Worried about unexpected vet bills?

Spot offers affordable pet insurance plan options for dogs & cats.

Spot plans can help reimburse up to 90% of covered vet bills, so you don’t have to choose between your pet’s health and your finances.

Why insure your pet?

Unexpected vet bills add up fast

1 in 3 pets need emergency vet care each year.1

Ongoing care can cost a fortune

Lifetime vet costs can exceed $19,000.2

Protect your pet, and your wallet

76% of pet owners go into debt to save their pet's life.3

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Notice to California ResidentsInsurer Disclosure of Important Policy ProvisionsADA NoticeSpot Terms & ConditionsSpot Privacy Policy

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions visit spotpet.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.


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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 “One in three pets need emergency veterinary treatment every year" Forbes Advisor, Jan 3, 2024.

2 Figure calculated from the average annual medical care with the average lifespan of a dog. “Life expectancy of dogs was 12.69 years” Frontiers Feb 20, 2023

3 “76% of pet owners would go into deb” ValuePenguin, Jun 20, 2023.

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