Pet insurance that’s easy as 1-2-3.
Spot makes it simple for pet parents to submit a claim and receive reimbursement for eligible services in just a few days.
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 Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
What do Spot Pet Plans Cover?
Affordable Plans for Dogs & Cats
Life is full of surprises. Spot helps pet parents plan for them through easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.
They've got your back. Why not cover theirs?
Life is full of surprises. Spot helps pet parents plan for the unexpected through easy and reliable pet insurance options that can be used at any licensed vet in the US or Canada. Enroll your Pet with Spot and get up to 90% cash back on eligible vet bills.
Why Choose Spot Pet Plans?
Trusted by
Pet Parents
Rated Excellent
4.6/5 Stars
Recognized
by Forbes
5-Star Rated
Committed to
Helping Pets
$5.7M
avg. claims
paid /month3
Happy Pet Parents Trust Spot
Rated 4.7 / 5 based on 4,941 reviews
Our dog had some gastro problems
Our dog had some gastro problems. Had no idea how much we would be reimbursed being the first time we used the insurance. Very pleasantly surprised. Thank you so much spot
I was a little skeptical about pet…
I was a little skeptical about pet insurance, but now I think it is a wonderful choice. You know you would do anything for your furry family member so why not add a little protection for vet bills that can be so expensive. Spot makes it easy to have that peace of mind
Fast reimbursement.
Fast reimbursement.
Quick easy reimbursement on claims
Quick easy reimbursement on claims
Glad I chose Spot Insurance for my Bella!
It helps tremendously to have her covered, and the app for our policy and to submit claims/view them,is easy to use and I'm just overall so glad I went with Spot. It's a fair premium price, and comes in handy!
Timely reimbursement and the ease of…
Timely reimbursement and the ease of submitting claims.
Spot is a wonderful company
Spot is a wonderful company - so many pet insurances try to weasle out of paying all or part of claims - my recent claim was paid fairly and quickly
Timely and fair
Spot is quick to process claims and very fair!
Easy claims fast payments
Easy claims fast payments
Spot is the best pet insurance I've had.
I've had other insurance in the past and SPOT is so much more efficient. Claims are processed/completed in two days and payment is always prompt within 3 days of submitting the claim. I can highly recommend SPOT insurance.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
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 and Canada.
For a full list of terms and conditions, click here to view a sample policy.
Can I Get Reimbursed for Routine Teeth Cleanings?
Base level plans provided by Spot do not cover routine teeth cleanings.
However, Spot accident & illness plans cover treatments for dental illnesses. The only treatment covered for dental accidents is tooth extractions.
To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.
How do I Determine if My Pet Has 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.
What is the Best Age to Insure My Pet?
Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age. You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old. Don’t let your pet develop a “pre-existing condition” before they’re insured.
Does Pet Insurance Cover Exam Fees?
Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions.
Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.