Now Offering Affordable Pet Insurance Plan Options

Dog & Cat Insurance Plans

  • Accident & Illness and Accident-Only plans
  • Multiple preventive care packages for an additional cost
  • 10% Multi-pet discount on added pets

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 plans reimburse you between 70% - 90% of those eligible vet bills
  • 10% multi-pet discount added pets
  • 30-day money-back guarantee***

Responsible Pet Parenting Starts Here

Very easy claim process and insanely quick claim payout. Very impressive, never expected anything like this from an insurance company.

- Sergei P. 1/6/21.


Pet Insurance Plans for Your Pet

Pet insurance covers your dog or cat in case of unexpected injuries or illnesses.
With Spot plans, 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
  • Scratching
  • Destructive chewing


  • Cancer
  • Respiratory infection
  • Diabetes


  • Gingivitis
  • Periodontitis
  • Destructive chewing


  • Annual Exams
  • Dental Cleanings
  • Flea and Heartworm Prevention

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.
We can send a direct deposit or mail a check.

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 WhiskerDocs®.

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

SPOT customer service headset

*Restrictions apply, see amazon.com/gc-legal.

The $25.00 Amazon.com Gift Card* is limited to one per customer. Eligibility varies by state. Amazon.com Gift Card* offer is not available in AK, IA, IN, LA, MA, MI, MO, ND, NE, NV, OR, PA, RI, TX or wherever else prohibited by law. Amazon.com Gift Card* is only available to residents of the United States and not available to individuals residing outside the United States. Payment for pet insurance policy must be successfully submitted within thirty days of pet insurance policy inception date to receive Amazon.com Gift Card*. If a customer requested cancel date is within thirty days of pet insurance policy inception date, the pet insurance policy is no longer eligible for Amazon.com Gift Card*. Pet insurance policy renewals are not eligible. Amazon.com Gift Card* will be fulfilled within approximately eight weeks of policy purchase. This Amazon.com Gift Card* is not valid or combinable with any other gift from Spot Pet Insurance Services, LLC. This promotion is not sponsored or endorsed by Amazon. The promotion and its’ availability is subject to change at any time without notice.

**Rates vary depending on plan type, species, breed, age, and location of the pet being insured.

*** 30-day money-back guarantee is not available if claims have been covered. Not available in NY.

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions visit spotpetins.com/sample-policy. Preventive Care reimbursements are based on a schedule. SPOT On Coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change. More information is available at checkout.

Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Insurance plans are marketed and produced by Spot Insurance Services, LLC. (NPN # 19246385)

© 2021 United States Fire Insurance Company. Spot Pet Insurance Logo, Copyright 2021, Spot Pet Insurance. All Rights Reserved