America's Most Loved Pet Insurance
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? ^
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
Pay your bill
Get reimbursed quickly
Do I need pet insurance?
Spot plans can help put cash back in your pocket and give you peace of mind.
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.
You have made having a pet so easy
Fast and efficient
everything was quick and transparent
Prompt response
Great pet insurance company
On the Spot!
Quick and Fair Review, Quick Reimbursement
We signed up for SPOT pet insurance…
Fast claim processing
VERY simple claim process
The customer service was great,the…Spot Awesome
Submitting my claims was so easy
Very professional staff.
Everything was so easy
Fast approval of claims
Good and fast
It was so easy
That I can take my fur baby to the vet…
Quick and easy claim submitting…
Everything was done very quickly as it…
Pays claims super fast and is excellent…
So far easy to work with and submit…
Thank you so much for working to…
Fast reimbursement and affordable
Fair reimbursement
Excellent response time
Good policy, quick reimbursements!
Fast
Excellent customer service
Good
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.
DEDUCTIBLES
Your annual deductible amount applies during each policy period. You must satisfy your annual deductible before your reimbursements start.
PAYOUTS
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.
PREMIUMS
This is the amount you pay for pet insurance. FETCH A FREE QUOTE to see your premium today.
WAITING PERIODS
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.
PRE-EXISTING CONDITIONS
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.
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Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions visit spotpetins.com/sample-policy. 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.
4 Hypothetical example illustrates an eligible vet bill of $1,500 reimbursed at 90%, assuming the annual deductible has been met and the annual limit not yet reached. Coverage varies based on plan options.
^ 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. spotpet.com/perks-terms
£ 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 marketing@spotpet.com.
¶ Preventive care coverage is an add-on for an additional cost.
~ Amazon.com 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. spotpet.com/amz-terms
§ "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.
* Based on MarketWatch’s ratings of Best Pet Insurance Companies of June 2024, comparing 33 pet insurance providers.