Underwriting

Spot plans help protect your pet and your wallet

 Rated
5.0
on
"Most customizable"
$375M
vet bills paid
to date +
 Rated
4.7
on
 Rated
5.0
on
"Most customizable"
$375M
vet bills paid
to date +
 Rated
4.7
on

30-day money back guarantee(i)

$2,500+ in discounts from Spot perks(b)

Access to 24/7 telehealth line

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Notice to California ResidentsInsurer Disclosure of Important Policy ProvisionsADA NoticeTerms & ConditionsPrivacy Policy
© 2026 Spot Pet Insurance Services, LLC. All Rights Reserved.

Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms visit spotpet.com/sample-policy. Products, schedules, discounts, and rates may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address. 10% multi-pet discount is available on all pets after the first. More information available at checkout.

‍

Insurance plans 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), and are produced by Spot Pet Insurance Services, LLC. (NPN # 19246385. 100 Biscayne Blvd, Suite 400, Miami, FL 33132. CA License #6000188).

a

Up to 10% multi‑pet discount available. Discounts vary by state and are subject to change. Not available in all states.

b

No purchase necessary. Based on total combined Spot Perks discounts applied to avg. vendor cart value. spotpet.com/perks-terms‍

c

Available to residents of AL, AR, AZ, CA, CO, CT, DC, DE, FL, HI, IA, ID, IL, IN, KS, LA, MA, ME, MI, MO, MT, NC, NJ, NM, NY, OK, OR, RI, SC, SD, TN, UT, VT, WA, WI, WV and potential customers in GA, MN, MS, NH, NV, OH, PA, and WY. Full terms: spotpet.com/amz-terms.

d

Claim example illustrates reimbursement of an eligible vet bill for a plan with a 90% reimbursement rate, and a $100 deductible. The deductible hadn’t been met, and the annual limit was not yet satisfied. Actual reimbursement amounts may vary depending on plan type and options, including annual limit, co-insurance, and annual deductible, as well as the specifics of the claim and your policy terms.

e

Only covered with an accident and illness plan.

f

Prescription food & supplements are covered if they are prescribed to treat an eligible accident or illness. Prescription food & supplements are not covered if they are used for weight management or general health maintenance.

g

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

h

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

i

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

j

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

k

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.‍

l

Advertised premium is from Dec. 11 2024 based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) dog in 32009. Premiums may vary due to plan options such as annual limit, co-insurance, and deductible, as well as your pet’s breed, age, and location. Quotes at purchase will reflect these factors and your specific selections. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

m

"Cost of dog ownership statistics 2024" USA Today, Sep 25, 2024.

n

Exam fees for wellness or annual exams are not covered unless you have purchased the optional preventive care coverage.

^

Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.

^^

Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.

°

10% group discount available on every pet. Not available in HI or TN. Additional 10% multi-pet discount on all pets after the first. Discounts vary and are subject to change.

+

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