America's Most Loved Pet Insurance

Visit any vet in the U.S. or Canada
Up to 90% cash back on eligible vet bills
24/7 on-demand pet telehealth
Rated Excelent in Trustpilot
Trustpilot Logo

Your pet has needs. We’ve got them covered.

From a simple bee sting to a chronic condition like diabetes, Spot offers some of the most comprehensive pet health plans in the market, including plan options with unlimited annual limits.

What's covered? ^

Vet exam fees
Microchip implantations
Behavioral issues
Emergencies & hospitalizations
Skin, eye, & ear infections
Dental illnesses
Prescription medications
Cancer & growths
Swallowed objects & poisons
And more...

How does pet insurance work?

Spot makes it simple for pet parents to submit a claim and receive reimbursement for eligible services in just a few days.


Visit the vet

Visit any vet in the U.S. or Canada.

Pay your bill

Submit a claim in minutes via our easy-to-use app.

Get reimbursed quickly

Get paid back up to 90% of your eligible vet bill.

Do I need pet insurance?

Spot plans can help put cash back in your pocket and give you peace of mind.

Without a Spot Plan

Pay the vet bill in full and
get no cash back

With a Spot Plan

Get up to 90% cash back
an eligible vet bills

We’re ahead of the pack.

Don't settle for anything less than the best. Spot's pet health plans run well ahead of the pack.

How do we compare? £

Most Providers

No pre-requisite vet exam needed for enrollment

Microchip implantation covered in base plans

Coverage for dental illnesses at no extra cost

10% multi pet discount on all pets after the first

No lifetime cap for any illnesses and/or accidents

Happy pets. Happy pet parents.

Pet parents trust Spot to provide the best coverage for their pets.

pet families have rated Spot 5-stars


Timely, efficient and fair treatment of claims, with informative communications. Excellent job.

Very easy!

Claims are very easy to submit and I receive my refund so quickly!

Easy to fill out and has a quick turn around time

The claim was easy to fill out.

I’ve been pleasantly surprised at how…

I’ve been pleasantly surprised at how easy it is to file a claim and get refunded for the full 80%. I thought insurance would take a long time or try to weasel out of paying, but these guys process claims fast and I have a check within a couple of weeks. Great service!

Exceptionally fast processing of claim

Exceptionally fast processing of claim! Easy claim submittal process.

No issues at all submitting claims and…

No issues at all submitting claims and receiving the payment back. Very smooth and fast process overall.

Quick processing of claim.

Quick processing of claim.

So happy with our insurance through…

So happy with our insurance through Spot for our dog Whiskey! They are very quick with any claims and stand by their word! I’ve been recommending them to all my family and friends and will continue to do so.

Convenient and easy

Convenient and easy

Awesome insurance for my baby

Awesome insurance for my baby


Have made several claims in the past year with my 1 yr old Labrador, have been very please with coverage and quick responce

fast and considerate.

Spot is fast with processing claims so you don’t have big balances on your credit card if there is an emergency. Also i appreciate that they cover skin issues and don’t seem to try to pass everything off as a pre-existing condition that is uncover- able. They also don’t seem to over scrutinize claims. Other insurance carriers i’ve used will question the same claim for my dog with chronic health issues who needs ongoing med management. Glad i haven’t experienced that with Spot!

I purchased Spot Pet Insurance because…

I purchased Spot Pet Insurance because my vet cancelled the internal care plan. I had no idea our Beagle would end up developing a mass tumor and need surgery. Three days later we ended up at urgent care because the stitches popped. Spot has been a blessing to us in a time of worrying about our pup and our finances. I highly recommend Spot!

They are on top of it

They are on top of it ! Got my direct deposit really fast ! Thank you

Awesome Experience!

I’ve had a smooth, quick and easy experience with Spot so far. The app is so easy to use!

Spot has been incredible

Spot has been incredible. Their claim process is quick and easy. You get what they say they are going to give you. My monthly premium even went DOWN after a year. I have never heard of such a thing and I just got out of vet med. I am so glad I purchased. It makes it easier to make decisions on care when you know you aren’t in it alone!

Just submitted my first claim

Just submitted my first claim. It was super easy to submit and track the progress. Very happy with spot pet insurance.

Lulu Accident

Quick response and payment with my claim

Great service

Great service

I have use spot

I have use spot. It is very good. I would recommend using it easy to apply and manage!

So far so good

Very easy to upload documents. Quick reimbursement. Happy so far!

Sent claim in

Sent claim in, and check headed to me a couple days later. Covered what our plan allowed. Happy so far.

Customer service is great

Customer service is great. Easy to submit a claim.

Prompt response to claims, clear system

Prompt response to claims. Clear and straightforward system. Excellent!

Submitting the claim was easy and great result!

Submitting the claim was easy and straightforward. Thes speed and fairness of coverage decision were excellent.



Easy to file claim

Easy to file claim. Expedited claim exceptionally fast. Ease of direct deposit.

Every time I called with questions…

Every time I called with questions regarding my policy and claim process, the CSR representatives were kind, patient and very helpful. Gigi’s surgery didn’t go as planned and we have to go back for emergency care and Spot was again super helpful with the process.

quick turnaround for processing claims

quick turnaround for processing claims

Dependable Insurance

Quick, accurate reimbursement. Easy to process.

Frequently Asked Questions

Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.

What is pet insurance?

Pet insurance is for paw-rents seeking a financial safety net for accidents or illnesses that their pets might experience in the future. Pet insurance plans provided from Spot have deductibles, reimbursement percentages, annual limits, and premiums.

How does pet insurance work?

Once you have your custom pet insurance policy and have paid your premium on a monthly or annual schedule, you carry on as usual! When you need to visit the vet for a covered condition, you can submit a claim for reimbursement of the eligible expenses.


Your annual deductible amount applies during each policy period. You must satisfy your annual deductible before your reimbursements start.


You get to select your reimbursement percentage when you enroll in a plan provided by Spot. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select.


This is the amount you pay for pet insurance. FETCH A FREE QUOTE to see your premium today.


There is a 14-day waiting period for coverage. The waiting period begins on the first effective date of the applicable coverage. Any condition that occurs during an applicable waiting period is a pre-existing condition and is not eligible for coverage.There is no waiting period for preventive care coverage if you choose to add it to your plan. Find more information on preventative care coverage.


Illness, disease, injury, or change to your pet’s health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. Pet Insurance plans provided by Spot do not cover pre-existing conditions.Visit our dog insurance and cat insurance pages for more information about plans.

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 spot offer a plan for preventive care coverage?

Yes, you can add preventive care coverage to your policy for a little more cost. When you add preventive care coverage, you’ll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick.

You don’t have to satisfy your deductible before you can be reimbursed for preventive care coverage benefits, and there is no waiting period for them either. Find more information on preventative care coverage.

Do plans provided by spot have a money-back guarantee?

Plans provided by Spot offer a 30-day money-back guarantee, so feel free to take a look and see what a SPOT plan can do for you and your pet.

If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. The 30-day money-back guarantee is available if no claims have been covered. It’s not available in NY or ME.

Are there any age limits?

You can enroll your pet in a plan provided from Spot once your pet is 8 weeks old or older. There is no upper age limit for coverage or enrollments.

We lead the pack

Get pet insurance today!

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions visit Preventive Care reimbursements are based on a schedule. Accident & Illness coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change. More information is available at checkout.Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by Spot Pet Insurance Services, LLC. (NPN # 19246385. 990 Biscayne Blvd Suite 603, Miami, FL 33132). CA License #6000188. PTZ Insurance Agency Ltd. (NPN: 5328528. domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306) is responsible for administration and claims adjudication. (California residents only: PTZ Insurance Agency Ltd., d.b.a PIA Insurance Agency Ltd. CA license #0E36937).

1 Advertised price based on an accident only plan for a 1 year old mixed cat in 33132 with a $2,500 annual limit, 70% reimbursement rate, and a $500 annual deductible. Plan rates may vary. Advertised prices are rounded up to the nearest whole USD.

2 Advertised price based on an accident only plan for a 1 year old small mix (11-25lb) dog in 33132 with a $2,500 annual limit, 70% reimbursement rate, and a $500 annual deductible. Plan rates may vary. Advertised prices are rounded up to the nearest whole USD.

3 Based on internal claims data for plans provided by Spot from October 1, 2023 to December 31, 2023. The statistics apply to claims that were eligible for reimbursement only. This does not guarantee coverage. Individual results may vary based on the terms of your policy, and statistics may change during different time periods. Spot Insurance Services, LLC. as an insurance agency does not cover, reimburse, or administer claims.

^ Spot Plans only cover eligible expenses.‍

a Available if no claims have been filed. There is a 15-day money back guarantee in ME, LA and WA. Not available in NY.

º “76% of pet owners would go into debt…” ValuePenguin, June 20, 2023.

b Hypothetical example illustrates the net payment on a $5000 eligible vet bill reimbursed at 90% after a $500 annual deductible, assuming the annual limit has not been reached. Coverage varies based on plan options. Net payment factors in a hypothetical premium payed over 3 years, based on a USA Today study indicating that the average monthly cost for an accident and illness pet insurance plan in Florida is $42. USA Today, April 24, 2024‍

" May 2023 to Apr 2024 administrator Claims Data. Includes total reimbursed for accident, illness & wellness claims.‍

+ Jan 2019 to May 2024 administrator Claims Data. Includes total reimbursed for accident, illness & wellness claims.‍

∞ No purchase necessary. Based on total combined Spot Perks discounts applied to avg. vendor cart value.‍

£ Comparison information is provided using publicly available information as of 3/2/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans is not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep the information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing‍

¶ Preventive care coverage is an add-on for an additional cost.‍

~ Gift Card is subject to eligibility. Only available to residents of AR, AZ, CA, FL, ID, IN, ME, MT, NJ, NM, NY, OK, OR and WA or potential customers in GA, KY, MN, MS, NH, NV, OH, PA and WY.

§ "92% of cats and dogs will experience some form of an emergency..." OVRS, October 2, 2018‍‍

¢ Pre-existing conditions are not covered.‍‍

‡ Preventive care begins next-day. Accident Only, Accident & Illness start 14-days post purchase.‍

β "Pet Insurance Statistics 2024" Forbes Advisor, Jan 3, 2024.‍‍