America's # 1 Puppy Insurance

  • Up to 90% Cash Back on Vet Bills

  • Visit Any Vet in the U.S. or Canada

  • Preventive Care coverage options

  • 24/7 Pet Telehealth Helpline

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Top-Ranked Pet Insurance of 2023

Covering Your Pet From Puppyhood and Beyond

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How Pet Insurance Works


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.

Say hello to the best pet insurance ever.

Choose a plan that's right for your pet and your wallet.

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

Power-up your plan with preventative care coverage perks.

Get cash back on eligible bills for routine check-ups and more including*:

*Preventive care coverage is an add-on for an additional cost.


Happy Pet Parents Trust Spot

Rated 4.6 / 5 based on 3,095 reviews

Frequently Asked Questions

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 and Canada.

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?

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.

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.