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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 4,676 reviews
Spot has been a good insurance company…
Spot has been a good insurance company to work with. They make the claims process easy and explain what is covered and what is not on each payment. Everything is laid out clearly so we know what we will be paying.
I really don’t have much to say as I’ve…
I really don’t have much to say as I’ve only used it once, but it was a very smooth process.
Staff was very helpful in assisting to file my claim.
Staff was very helpful in assisting to navigate the website to file the claim. Staff was very friendly and helpful. Staff was very knowledgeable about the claim process and how to navigate the site.
Wonderful pet insurance
Wonderful pet insurance! They process claims quickly and fairly. I’ve had no issues with them so far for both of my pets for the past year we’ve had insurance.
I 100% love spot pet insurance
I 100% love spot pet insurance. they have been a life saver when it comes to my dogs bills and needs
Claims were easy
Claims were easy, no hassle and settled quickly. Well done!!
Easy access to claim process and easy…
Easy access to claim process and easy to file a claim. Very good communication from company regarding status of claim(s) and completion of claim.
Great customer service
Great customer service, and a professional staff. I asked the insurance agent about a insurance policy for my pet. She explained to me and ensured I understood everything about the policy I chose for my pet. The agent also explained the procedures to file a claim for reimbursement of funds for certain medical treatment for my pet. Spot insurance is reliable, affordable, and available to assist you with any questions you may have regarding my policy or a claim.
Hassle free
I’ve have to submit 2 different claims and each time it was easy, hassle free and quick! This company is such a pleasure to work with, even when I’ve needed to call! Highly recommend!
Easy to use interface on the mobile App
Easy to use interface on the mobile App
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.