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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 4,814 reviews
I highly recommend Spot
If my dogs suddenly get sick or need to get a routine checkup, I never have to worry. I've had Spot for a year now and they have been wonderful, always taking care of the expenses in just 2 or 3 days. It really sets my mind at ease having them as my pet insurer. Highly recommend.
My experience with Spot Pet Insurance has been flawless.
My experience with Spot Pet Insurance has been great. It was super easy to apply. The best part about Spot is that the following day my puppy was insured. I’m glad there is no waiting period for preventative care. Also, I like that Spot’s reimbursement is so quick.
My first claim was easy
My first claim was easy to do and very quick response! Very happy I got Spot Pet Insurance!
They very truthful and quick on claims
They very truthful and quick on claims
File claim.get your money
I got 70% of my cash back when I filed a claim for my vet appointment. It was fast and easy. The money hit my account in I think a days time or two days
This companyy is awesome.
The quick response to the claims, and their assistance with answering questions in a prompt and concise manner.
Very easy to use and pays quickly!
Very easy to use and pays quickly!
Not your typical Insurance Company!
Spot is a great insurance company - and I never imagined saying that about any insurance company! We have an elderly cat who has developed several issues lately. The vet bills are expensive and frequent, but so far Spot has paid us for every claim. All they ask is adequate documentation. They have paid for their fee this year 2 times over. I definitely recommend this company!
Great experience
Great experience! Clear breakdown. Smooth transition
EASY, SIMPLE, FAST, DEPENDABLE
After reviewing many pet insurance companies and finding a few with similar benefits and similar cost for same coverage options, I checked with other family members to see what they had and were using. Didn't ask any of the about their "satisfaction" level, only which company they used. Spot was the predominate choice. Glad I choose same. Easy to sign-up. Easier to submit my fist claim. Thereafter, surprised of the response to the claim and how soon funds were reimbursed back to me and deposited directly into my personal bank account. WOW!!
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.