Hit Paws on High Vet Bills

with a plan provided by Spot.

  • Up to 90% Cash Back on Eligible Vet Bills - Simple, Easy Claims Process
  • No Complicated Networks - Visit Any Liscensed Vet in the US.
  • Help When You Need It - 24/7 VetAccess™ Pet Telehealth Helpline

Why Choose Plans Provided By Spot?

Trusted by Pet Parents

Rated Excellent 4.2/5 Stars

Recognized by Forbes

5-Star Rated

Committed to Helping Pets

$1.25M

avg. claims paid /month³

They've got your back. Why not cover theirs?

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.

Stone's Bottom Line

Cost of Stone’s Final Vet Bill

$10.5k

Stone’s Reimbursement

$9.5k

Scott’s BLT Sandwich

$5

Scott & Stone’s Friendship

Priceless

Competitor Comparison

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Preventive Care

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Multi Pet Discount

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Microchip

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Dental Illness

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Hereditary & Congenital Conditions

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Specialists

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One Annual Deductible

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No Upper Age Limit

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Chronic Conditions

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Behavioral Issues

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Alternative Therapies

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30-Day Money Back Guarantee

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Exam Fees

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Prescription Foods

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Healthy Paws

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Trupanion

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Lemonade

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Geico

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Metlife

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Liberty Mutual

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Figo

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Nationwide

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Prudent Pet

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USAA

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Fetch

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Wagmo

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ManyPets

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AKC

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Progressive

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PetsBest

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Embrace

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Affordable Pet Insurance Plan Options for Cats & Dogs

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.

Pet Parents Love Every Meowment with Spot

So Glad I Joined...

“Smooth and easy claim process. I can do everything on my phone. The claim gets processed within a week.“

Wenlin S.

Happy Spot Had My Back

“Purchasing insurance for my puppy was personal, smooth and quite pleasant.”

Nancy D.

Best Descion Ever!

“Spot pet Insurance has exceptional customer service. They are always friendly and accommodating with...“

Joan S.

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.

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 paw-rents to insure their pet at a young age.  You can enroll your pet in 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 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.