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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 4,948 reviews
Positive experience
Fast processing, solid customer service, decent price. Sometimes there are emails that tell you records are needed even after they were confirmed received. Small issue in comparison to all the positives.
5 stars for Spot Pet Insurance
Had to call customer service a few times and reps were very helpful and professional. Claims were processed within 3 days and deposited in my bank account. Before having Spot insurance I had another pet insurance company for 7 years. It took over a month to process claims. Spot Pet Insurance is awesome and have already referred them to several people.
Super fast claim processing
Super fast claim processing. My reimbursement was in my bank account within 2 or 3 days from my appointment.
Definitely worth the expense
Bought accident insurance when we rescued our 1 1/2 year old Doberman in February of 2022. Have never had pet insurance before. In March of 2023 he ruptured his left Achilles tendon chasing a barn kitty; and, in April 2024 he ruptured his right Achilles tendon chasing a rooster. SPOT has promptly reimbursed us for each of the surgeries and follow up care. Definitely worth the expense.
I put in a claim and it was process…
I put in a claim and it was process very quickly. I was actually surprised because I thought it took a while and then I would have to go through a lot of red tape. Needless to say spot insurance was spot on!
Perfect for my cat care
I signed up for Spot Pet Insurance at the end of last year, and I couldn't be happier with my decision. One of the standout features of Spot Pet Insurance is their comprehensive coverage options. They offer plans that cover everything from accidents and illnesses to wellness visits and preventative care. This flexibility allowed me to choose a plan that fits my budget and my pet's specific needs. The claims process is straightforward and hassle-free. Filing a claim online is quick, and I appreciate the transparency in the status updates provided throughout the process. Most importantly, claims are processed promptly, ensuring that I’m reimbursed without unnecessary delays. Another aspect I love about Spot Pet Insurance is the ability to visit any licensed vet, specialist, or emergency clinic. This gives me peace of mind knowing that my pet will receive the best care available, no matter where we are. In summary, Spot Pet Insurance has provided me with excellent service and coverage, ensuring that my furry friend is well-protected. I highly recommend Spot Pet Insurance to any pet owner looking for reliable and comprehensive coverage for their beloved pets.
Our dog had some gastro problems
Our dog had some gastro problems. Had no idea how much we would be reimbursed being the first time we used the insurance. Very pleasantly surprised. Thank you so much spot
I was a little skeptical about pet…
I was a little skeptical about pet insurance, but now I think it is a wonderful choice. You know you would do anything for your furry family member so why not add a little protection for vet bills that can be so expensive. Spot makes it easy to have that peace of mind
Fast reimbursement.
Fast reimbursement.
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.