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 4,798 reviews
Quick response
They were very fast in responding to my claim. I had my money in my account within 2 days.
Expedient claims processing
My dog had an unexpected, serious breathing problem that required hospitalization. He has recovered well, thankfully. Spot processed my significant claim and reimbursed me very quickly.
A very happy customer.
In 30 years of owning dogs and cats I have never signed up for pet insurance so I was apprehensive about taking insurance on our new rescue. Veterinarian costs have become outrageous and I felt it was necessary. I researched a number of companies but felt Spot Pet Insurance seemed to offer the best coverage. I have not been disappointed. The claims are easy to submit. Spot's customer service is excellent and the communication regarding the claims is accurate and timely. I have set up my account for direct deposit and was pleasantly surprised when my claim was approved and the deposit was made within 5 days. I highly recommend this insurance company especially for a young animal. Just note that pre-existing conditions are not covered. I am a very satisfied customer.
Simple Claim Process
I submitted my first two claims with Spot Pet Insurance. The process was easy to follow, the questions and information I had to provide was nominal, and the turn around time to process was phenomenal. I was pleasingly surprised at how simple it was to submit a claim and how quickly Spot Insurance reimbursed me for the money spent. I highly recommend them for pet insurance needs!
This was my first time filing a claim…
This was my first time filing a claim so I had to call with a couple of questions. The Spot staff person was polite and very helpful. The claim form is easy to fill out and submit. The amount of my claim was quickly sent to my bank account. Overall, I am very happy with Spot Pet Insurance!
Claim processing was super short
Claim processing was super short. I've had 2 other pet insurances and this one got it done within a work week. Claim and direct deposit done in 3 days.
Quick payment
Quick payment
Flow of the claims process is easy to…
Flow of the claims process is easy to follow on the app. Time of submission to closed was surprisingly faster than anticipated.
So far so good
So far so good. Took puppy to Vet. Billed $150 getting $100 back.
Accident/Illness coverage for dog <1 yr old
My miniature schnauzer had a significant illness vomiting for reasons unknown and an accident swallowing something he shouldn’t have both when he was 5-8 months old and luckily I had enrolled him in Spot Insurance which resulted in me saving about $1200 for treatment of both incidents even though I’ve only paid around $25 per month for coverage. Payment was prompt as promised as well!
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.