Now Offering Affordable Health Insurance For Pets

Dog & Cat Health Insurance Plans

  • Accident & Illness and Accident-Only plans
  • Multiple add-on preventive care packages

Free Pet Insurance Quote in 30 Seconds

With plans starting at less than a cup of coffee per day*, receive thousands in reimbursement dollars for covered conditions.

  • Customize a plan that works for you
  • SPOT reimburses you between 70% - 90% of those eligible vet bills
  • 10% multipet discount
  • 30-day money back guarantee**

Responsible Pet Parenting Starts Here

This was the best insurance I could’ve gotten for my pet. Not only was the process easy but to get reimbursed 80% was amazing fast and easy process. I will recommend this insurance to all my friends and family already started. Thank you so much.

-SPOT Customer 9/16/20.


Health Insurance For Your Pet

Pet insurance covers your dog or cat in case of unexpected injuries or illnesses.

With SPOT, you can customize your coverage to best suit the needs of you and your pet.


  • Injuries
  • Swallowed Objects
  • Toxic Ingestions


  • Hip Dysplasia
  • Heart Disease
  • IVDD


  • Excessive licking
  • Tail chasing
  • Destructive chewing


  • Cancer
  • Respiratory infection
  • Diabetes


  • Gingivitis
  • Periodontitis
  • Destructive chewing


  • Annual Exams
  • Dental Cleanings
  • Flea and Heartworm Prevention

24/7 Pet Health Helpline

As a thank you for enrolling in Spot Pet Insurance, we will provide you with immediate access to a 24/7 helpline for pet health, behavior, and wellness questions powered by VetConnect™.

Your questions will be answered by veterinary experts at no additional cost!

SPOT customer service headset

How pet insurance works

Visit Any Licensed Vet, Emergency Clinic or Specialist.
Get the care your pet needs and pay your bill.
Submit Your Claim.
Send it in through our app online, by mail, or by fax.
Get Reimbursed.
Payments can be sent by direct deposit or check by mail.

Pet Telehealth App from Spot

If you do have to take your pet to the vet for an emergency visit (we hope not!), you can stay tech-savvy and submit your claim through our app. 

And if you have questions about what your pet insurance plan covers at the vet, please visit our FAQs page or see our Sample Policy and enter your state and policy type.