How Pet Insurance Works
Visit Any Vet
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 – you pick.
Happy Pet Parents Trust Spot
Rated 4.6 / 5 based on 3,977 reviews
Quick efficient processed claim
Quick and efficient lain processing with little effort on my part.
Every time we have made a claim it has been responded to quickly. It has been very helpful in taking care of our pets.
Filing a claim is very easy
Filing a claim is very easy. The response that you receive from Spot is quick.
Website is user friendly and so are the…
Website is user friendly and so are the claims.
Quite impressed, for the most parrt, just put in another claim yesterday
I just filed a claim two days ago and I’m waiting for the response that it was paid, but for the most part, you pay extremely rapidly, which is very important to me because a lot of the times I just don’t have the money laying around to spend on the dog medication. I also appreciate how much you help me when I did not understand and how to process a claim. I’m heartbroken that you sold it to someone else and I hope they do is for a job as you did.
Wonderful, easy and straightforward!
Spot is very easy to use when it comes to accessing your pets information and submitting the claims. Everything is straight forward and I really enjoy how accessible it is to call and someone picks up almost immediately.
Quick and easy claim process
Quick and easy claim process. Had his appointment on Monday, by Thursday his claim was processed and approved.
Easy to understand there wed site
Easy to understand there wed site. Very quick in getting you refund to you.
I recommend SPOT to anyone who has pets
I only have one pet that it's hard to know if what he goes in for is reimbursable. Any other pet has just went swimmingly and the piece of mind of knowing I don't have to pick and choose what care my pet gets has been such a relief. The turn around time has always been excellent. I have already recommended SPOT to anyone who has pets.
What is covered in Spot plans?
Spot Preventive Care Coverage Perks
Spaying or Neutering
Spaying or Neutering is covered for an extra cost as part of Spot's 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?
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.
Plans provided by Spot do not cover pre-existing conditions. 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.