America's Favorite Pet Insurance

  • Up to 90% Back on Vet Bills

  • Visit Any Vet in the U.S.

  • 24/7 Pet Telehealth Line

How Spot Works FYP (For Your Pet)


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 Paid!

Get cash back quickly for covered vet bills either direct deposit or check – your choice.

Coverage You'll ❤️ Without Breaking The 💰

Plan Options
Spot accident & illness plans cover eligible diagnostics and treatments for costly accidents and illnesses:

Vet Exam Fees

Microchip Implantation

Behavioral Issues

X-rays & Tests

Emergencies & Hospitalizations

Skin, Eye, and Ear Infections

Hereditary Conditions

Dental Illnesses

Digestive Illnesses

Hip Dysplasia

POV: You Got America’s Favorite Pet Insurance

1. You get money back on your vet bills.

Hate high vet bills? Same. That's why Spot plans cover up to 90% of your eligible vet bills.

Click for Price

2. Pet Parents spend about 1,500 on vet bills each year.1

Accidents and emergencies can happen at any time. That's why being prepared is so important.

Click for Price

3. You get access to a 24/7 Pet Telehealth line included with any plan.

With our pet telehealth app, questions about pet health, behavior, and wellness are answered by veterinary experts at no additional cost.

Click for Price

Got Some Q's? We've Got the A's

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.

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.

Do Plans Provided by Spot Have a Money-back Guarantee?

Plans provided by Spot offer a 30-day money-back guarantee, so feel free to take a look and see what a SPOT plan can do for you and your pet. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount.  The 30-day money-back guarantee is available if no claims have been covered.  It’s not available in NY or ME.

1 ValuePenguin. (2023). Pet Care Survey. Retrieved from