Spot Pet Insurance

Spot Pet Insurance Coverage Options

From tooth extractions for accidents, and even a vet's second opinion for covered conditions, find what you need to know about Spot's affordable plan options for your dog or cat.

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What is covered in Spot plans?

When your pet means everything to you, you want what they need in a plan to get them back on their paws sooner. Spot pet insurance plans provide coverage for eligible treatments and services for covered conditions. Spot Accident-only and Accident & Illness plans offer coverage that some other providers' plans don't include or charge an extra add-on fee to include.

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

Add Regular Teeth Cleanings to Your Plan

You can add platinum preventive care coverage to your plan for an extra cost to get coverage for routine dental cleanings

Spot Preventive Care Coverage Perks

Spaying or Neutering

Covered for an extra cost in the Platinum Preventative Add-on

Dental Teeth Cleaning

Cleaning coverage included in Spot's preventative care coverage options for an extra cost

Wellness Exams

Routine exams and screenings give your vet the opportunity to detect health issues in the early stages

Easy Plans with Extensive Coverage


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.

How is a premium calculated?

Pet age + pet breed + pet zip code

Your choice of plan and whether you add on an extra preventative care wellness plan, as well as your selection of reimbursement rate, annual deductible, annual limit, and any discounts you’ve earned as a multi-pet home all play a role in calculating your pet’s monthly premium. Your Accident Only or Accident & Illness plan price options are also determined by the age, breed, and location of the pet being insured.

Pet Insurance Highlight

Did You Know?

Spot preventive care coverage options, which can be added for an extra cost per month, have NO waiting periods. It’s true. You can use it the next day.


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Frequently Asked Questions

Have questions about pet insurance and how it works? Don't worry, we've got you covered.

Does Spot Offer a Plan for Preventive Care Coverage?

Yes, you can add preventive care coverage to your policy for a little more cost. When you add preventive care coverage, you’ll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. You don’t have to satisfy your deductible before you can be reimbursed for preventive care coverage benefits, and there is no waiting period for them either.  Find more information on preventative care coverage here.

Are there Any Age Limits?

You can enroll your pet in a plan provided from Spot once your pet is 8 weeks old or older. There is no upper age limit for coverage or enrollments.

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. 

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.

Does Pet Insurance Cover End of Life Expenses?

When your pet’s end of life is caused by a covered condition, plans provided by Spot cover expenses for euthanasia, burial and cremation only. Plans provided by Spot do not cover funeral expenses, memorial items, urns, caskets, burial plots or burial plot maintenance fees.

Does Pet Insurance Cover Spaying and Neutering?

Spot’s Platinum Preventive Care plan option reimburses up to $150 on spaying/neutering with no deductible. The Platinum Preventive Care plan is available as an add-on to your base level plan for $24.95/month and provides a total annual benefit of $450 in routine care allowance.

Base level plans provided by Spot do not cover spaying.  

See the breakdown of what Spot’s Preventive Care plan options cover: