They Think We’re Pretty Cool:
What's Covered?
How Pet Insurance Plans by Spot Work
Visit Any Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
Submit Your Claim
Send us your bill online, in our app, or via fax.
Get Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
Affordable Plans 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.
Happy Pet Parents Trust Spot
Rated 4.7 / 5 based on 4,753 reviews
I love it. .
I love it.Fast and easy to make claims. The returns the money super fast
Everything was very easy and fast!
Everything was very easy and fast!
Spot insurance is always prompt and…
Spot insurance is always prompt and communicates very well every step of the way..
No complaints so far
Spot was middle-of-the-pack in terms of the monthly rate, but it included diagnostic tests, which was important to me -- I don't want just the solution covered bc finding out what the problem is can be a big chunk of the cost! This is my first year, I'm about 6 months in, and the year has already paid for itself in coverage. Reimbursements are easy -- vet emails me a bill, I upload it to the Spot website, and a week or so later a check arrives in the mail for 80% of the bill.
Absolutely love this company
Absolutely love this company. Very fast at processing and very friendly staff. 5 stars for sure. I will be adding my moms and daughters dog to our plan. ❤️
Great service, friendly staff, and fair price
Friendly, staff, fast easy claim service application at affordable rates
I was so surprised when I turned in the…
I was so surprised when I turned in the documents for my pets vet bill and they just took care of everything without sending me emails asking for more information, etc. etc. like the other three pet insurance companies I’ve had in the past. They just deposited the money into my account with no hassle. Trust me, if you’re looking for pet insurance Spot is the best I’ve ever had, and like I said this is my fourth pet insurance company. Thank you so much Spot👍👍👍
Best Pet Insurance
Just recently started Spot Insurance Accident, Illness and Wellness plans for my puppy. The plans are very reasonably priced and the coverage is top notch. The claim process was simple and easy to submit claims via online and I was shocked at how quickly I received a reimbursement - only a few days! I may be adding coverage for my 2 cats just solely based on my experience, I would highly recommend Spot Pet Insurance to anyone with a beloved pet(s).
Love it!
Easy to use and gives us peace of mind!
Frequently Asked Questions
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.
What is a Pre-Existing Condition?
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.
Plans provided by Spot do not cover pre-existing conditions. 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.
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.