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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 4,837 reviews
The quick response to claims and the…
The quick response to claims and the rate on the policy is very affordable!!! I have 3 dogs and this policy met all of our expectations
So worth it for my frenchie
So worth it for my frenchie. Payouts are quick, the claim form is super easy, 10/10 would recommend!
Claim was processed in a timely manner…
Claim was processed in a timely manner with no issues.
My sick cat was able to get the care he needed
Recently my cat got sick and I had very expensive vet bills. Because I had insurance my cat was able to get the care he needed. The online submission portal wasn’t working and took a really long time to fix. Once available, it was very easy to submit my claims with practically no paperwork and no questions asked. I got reimbursed within days of submission, which was great Just upset that I did not enroll in a no maximum plan, but having the insurance helped with his bills immensely. Overall, very pleased with the insurance and would recommend to others.
Have already recommended Spot to others
Spot Pet Insurance has made the process of filing claims and troubleshooting easy! I’ve had other pet insurance before and I get more straight forward answers, easier claims process and overall easier platform to navigate with this insurance. I have already recommended them to others!
Spot Pet Insurance is #1.
I searched many pet insurance companies. Then I found Spot Pet Insurance and read everything about it even the reviews until I decided this one was the one.Being my first time filing a claim they were very quick about doing so.i would recommend this company to many. Thank You for being there for me and my dogs.
Spot is a very good pet insurance
I like Spot because they helped me process a claim and the claim processing in itself is very fast. Their CSR’s are very friendly, knowledgeable, and helpful during the phone service.
They processed the claim quickly and no…
They processed the claim quickly and no hassle. Waiting for check now. Very happy with them.
Excellent ...easy to use
Excellent ...easy to use
Quick and easy
Quick and easy to file a claim and was processed quickly. It was easy to understand what I was to expect back.
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.