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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
trustpilot excellent rating
 Rated
4.7
5200
reviews
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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...
* Spot Plans only cover eligible expenses.
cat and dog image

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.

1

Visit the vet

Visit any vet in the U.S. or Canada.
2

Pay your bill

Submit a claim in minutes via our easy-to-use app.
3

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

Comparison information is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing marketing@spotpetins.com.

Happy pets. Happy pet parents.

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

4280
pet families have rated Spot 5-stars

Spot is awesome

Spot is awesome! Submitted all documents and literally had payment as little as 2 days later. They’re very quick to get payments released and if you have any questions, their customer service is great too! No complaints here.

Good nice company pets Reliable genuine…

Good nice company pets Reliable genuine protects pets and owners.

First time bought an insurance for our…

First time bought an insurance for our pup and the best decision I’ve made! I’ve checked different pet insurance but so far this has been the most affordable in the market, pretty much all the needs of my pup will be covered thru Spot insurance and they’re quick response is superb! I had a claim and already received the reimbursement within the week..

Claims

My claims have all been handled in a timely manner. Submitting new claims is a breeze!

My experience is that claims are easy…

My experience is that claims are easy to submit and very quick responses and processing. I am very pleased with all my experiences. Claims are resolved quickly.

Spot is awesome

Spot is awesome! Submitted all documents and literally had payment as little as 2 days later. They’re very quick to get payments released and if you have any questions, their customer service is great too! No complaints here.

Don't hesitate, Spot is the best!

This is my first time having coverage for my pets and I'll be honest I was a little skeptical. Ive heard mixed things from other pet owners about insurance and I was worried I was just wasting my money. But spot has gone above and beyond. They cover everything they say they do and provide quick reimbursement without any hassle. On top of that their staff are very kind and helpful. We recently had to put one of our pups down after they consumed a toxic mushroom, it was very hard on our whole family. When I called to cancel her coverage and they offered their condolences and confirmed our claim would still go through. Then the next day they called to check in and see how my family and I are doing. They asked how our other pup is coping and said if we needed anything to give them a call. I've never had that kind of service from my health insurance. Spot is truly the best company, thank you for all you do.

We are new to this type of insurance…

We are new to this type of insurance and having heard mixed reviews of the concept of pet insurance, we were recommended to try Spot. Two weeks into it, we have been impressed with the service provided. Thank you!

Great pet insurance, I put my claim in and within 24 hours…

I put my claim in and within 24 hours spot pet insurance was working on my claim. They hey are fast and efficient. They explained all details of my claim and made payment in a very short time.

Great honest Business

Great honest Business got my money back within 3 days!

Great!

Affordable, simple to use and quick claims reimbursements!

Spot is great

Spot is great, so far so good with all my claims and payments, super easy to submit online and quick payment. I am glad my 4 cats are covered by SPOT

Claim process

Great and customer friendly website! Excellent Claim filing process. Process was expedient and reimbursement/credit was provided as quickly.

I work in the animal field and I always…

I work in the animal field and I always recommend Spot! Easy to submit and fast to receive a response. So happy with spot.

Great honest Business

Great honest Business got my money back within 3 days!

This insurance is amazing and so easy!

This insurance is amazing and so easy!

I called directly when I received no…

I called directly when I received no response to a mailed claim in May. The rep was very kind and helpful. He patiently explained that I could email the docs since I had made copies before I mailed the documents. I did so and am pleasantly surprised to have gotten a fast response and a reimbursement. Thank you!

Great experience

Great experience. Easy claim process, quick reimbursement.

Wowwwww

Wowwwwwwwwww

Was very skeptical about getting per…

Was very skeptical about getting per insurance due to price. I decided to purchase when I seen the prices compared to other insurance companies. I am beyond happy with the customer service and the ease of submitting my first claim. My claim was processed so fast, unbelievable. Thank you so very much!

Quick and timely manner

Quick and timely manner. Easy to put in request

It was an easy process. Definitely worth the money

It was a easy process

This insurance is amazing and so easy!

This insurance is amazing and so easy!

I called directly when I received no…

I called directly when I received no response to a mailed claim in May. The rep was very kind and helpful. He patiently explained that I could email the docs since I had made copies before I mailed the documents. I did so and am pleasantly surprised to have gotten a fast response and a reimbursement. Thank you!

Great experience

Great experience. Easy claim process, quick reimbursement.

Wowwwww

Wowwwwwwwwww

Was very skeptical about getting per…

Was very skeptical about getting per insurance due to price. I decided to purchase when I seen the prices compared to other insurance companies. I am beyond happy with the customer service and the ease of submitting my first claim. My claim was processed so fast, unbelievable. Thank you so very much!

It was an easy process. Definitely worth the money

It was a easy process

Quick and timely manner

Quick and timely manner. Easy to put in request

Insurance has helped with my Cats diabetes care

It was a relief knowing I would be able to manage my cat Mia's diabetes since I had purchased Spot insurance for both my dog and cat.

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 here.

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 here.

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 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).
*
Based on total combined discounts available through Spot Perks Program applied to the avg. vendor cart value.
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Available if no claims have been filed. 15-day money back guarantee in NY, ME, LA and WA.
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Jan 2019 to May 2024 administrator Claims Data. Includes total reimbursed for accident, illness & wellness claims.