How Pet Insurance Works
Visit Any Vet
Yep! There are no vet restrictions. Visit any vet in the U.S. or Canada.
Submit Your Claim
Submit your claim online or in our app – it’s quick and easy.
Get cash back quickly for covered vet bills either direct deposit or check – your choice.
Happy Pet Parents Trust Spot
Rated 4.6 / 5 based on 3,139 reviews
Super easy to file a claim!
It was super easy to file a claim and it was approved in a timely manner!
Easy Guidelines, Fast Reimbursement
I just got insurance for my car two months ago and the gold preventative has already helped reimburse costs from her vaccine updates and wellness visit to check out a lump. My mom always said her one regret was to never get pet insurance for our dog and I’m already glad that I decided to get coverage! The claim was super easy to do and the direct deposit option makes it even more convenient for busy owners.
The best dog insurance on the market!
Easy, amazing coverage plans, great chat/phone support, and I feel secure knowing my pup has insurance I can count on.
Such a great price for the coverage
For such a small price a month, the benefits are really amazing. After just a couple months of having Spot Pet insurance, my cat started to decline rapidly and ended up needing a splenectomy and other medical treatment. The insurance really save his life, especially since I’m a college student. Without it, it would have been very difficult to help my cat. The insurance was so incredibly helpful. And it covered all of his treatments.
I'm having a good experience
I'm having a good experience, the claims get paid in a matter of days, and they allow you to personalize your coverage. All good and totally recommended
Good company. Affordable rates. Proven reimbursement track record consistent with the policy. Great experience so far.
very easy to fill out and submit claim
very easy to fill out and submit claim. fast and efficient
Fast claim process and reimbursement
Fast claim process and reimbursement. Having insurance with spot definitely gives me a peace of mind!
Always responsive and prompt on payments. Like that you can choose your deductible amount and amount of coverage.
Everything is at your fingertips and I…
Everything is at your fingertips and I love that because of the app. So easy-to-use.
What is covered in Spot plans?
Spot Preventive Care Coverage Perks
Spaying or Neutering
Covered for an extra cost in the Platinum Preventative Add-on
Dental Teeth Cleaning
Cleaning coverage included in Spot's preventative care coverage options for an extra cost
Routine exams and screenings give your vet the opportunity to detect health issues in the early stages
24/7 Pet Health Helpline
Policyholders of insurance plans from Spot are provided immediate access to a 24/7 helpline for pet health, behavior, and wellness questions powered by VetAccess™.
Your questions will be answered by veterinary experts 24/7 at no additional cost!
Frequently Asked Questions
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
What is Pet Insurance?
Pet insurance is for paw-rents seeking a financial safety net for accidents or illnesses that their pets might experience in the future.
Pet insurance plans provided from Spot have deductibles, reimbursement percentages, annual limits, and premiums.
What Do Pet Insurance Plans Provided by Spot Cover?
Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.
Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.
You may use any licensed veterinarian in the US.
For a full list of terms and conditions, click here to view a sample policy.
How Do I File a Claim?
Click the Claims icon and follow the simple instructions. Don’t forget to take a picture of your invoice and upload it to complete the claim submission.
What is a Pre-Existing Condition?
Plans provided by Spot do not cover pre-existing conditions.
A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.
However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.