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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 4,737 reviews
PEACE OF MIND
I've had SPOT for almost a year now and they've been the best! I finished my deductible for one of my puppies and received the difference from my reimbursement in a check a couple of weeks later. They ask for medical reports and invoices (which makes the process go by faster), and once reviewed they give you a detailed message on your claim status. They explain why some things weren't covered and other details! @Frenzy.trio on instagram if you have questions!
Claims are easy to submit and hassle…
Claims are easy to submit and hassle free. I don’t have to worry about vet bills much when my puppy gets sick. Customer service is good too.
Great company
Great company, took a few minutes to work on my claims. I would recommend Spot to anyone!
I’ve been dealing with agent Laura
I’ve been dealing with agent Laura. She’s very knowledgeable and helpful. She’s a pleasure to speak to.
Vet Visit
They made my vet visit much easier.
Claims very easy to submit
Claims very easy to submit. It was quickly approved, and funds were transferred to my bank account. Website is very easy to navigate and information is very well laid out for what was approved and for how much. Very happy with my choice of provider amongst the options available.
easy to submit invoice
easy to submit invoice quick verification quick reimbursement
when i summited the claim it was done…
when i summited the claim it was done and back to me in three days job well done.
Spot insurance has been excellent so…
Spot insurance has been excellent so far. Several claims I submitted was easy to submit and handled quickly. The insurance price is reasonable .
Claims were processed efficiently
Claims were processed efficiently. I was pleased with the service and so glad I had decided to insure my pets with Spot!
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.