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What's Covered?
How Pet Insurance Plans by Spot Work
Visit Any Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
Submit Your Claim
Send us your bill online, in our app, or via fax.
Get Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
Affordable Plans for Cats & Dogs
Life is full of surprises. Spot helps pet parents plan for them through easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.
Happy Pet Parents Trust Spot
Glas I Have Spot!
Easy website to navigate, good communication, fast processing.
Outstanding service and rapid…
Outstanding service and rapid processing.
Cheap and effective!
Cheap and effective!
I have been pleased as a new customer
I have been pleased as a new customer. We have always had insurance on our pets, but this is the first time we have used spot. We have had several claims that have exceeded our deductible and reimbursement has been fast. Usually takes a day to approve. The app is easy to use, only takes a minute to submit a claim and in the back ground something happens to move the claim forward. I used to have to get medical records and signatures from Vets to get claims processed. Not anymore. So far Spot has exceeded my expectations. Thanks.
Great simple website and fast.
Easy to navigate website, can even fill out claims on my phone with out it crashing, and quick processing time.
We love Spot!
I am so glad we chose Spot for our medical insurance for our adopted cat Morris. Not long after we started with Spot, Morris had two visits to the emergency room with. The bills were quite high, and Spot has covered 90% of the costs. It's been a lifesaver!
Smooth claim process
Claim process very easy and fast.
Our puppy Yoda ended up in the Vet ER…
Our puppy Yoda ended up in the Vet ER hospital with HGE. He had bloody stools and was throwing up. Spot was sent the documents and the veterinarian document and within a week the claim was paid. Thank you.
I submitted a claim and it was paid in…
I submitted a claim and it was paid in 2 days
You are always prompt at reviewing my…
You are always prompt at reviewing my claims. Staff I have spoken to have been informative and pleasant. I would recommend Spot to my friends.
Frequently Asked Questions
Have questions about pet insurance and how it works? Don't worry, we've got you covered.
What Do Pet Insurance Plans Provided by Spot Cover?
Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.
Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.
You may use any licensed veterinarian in the US.
For a full list of terms and conditions, click here to view a sample policy.
Can I Get Reimbursed for Routine Teeth Cleanings?
Base level plans provided by Spot do not cover routine teeth cleanings.
However, Spot accident & illness plans cover treatments for dental illnesses. The only treatment covered for dental accidents is tooth extractions.
To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.
What is a Pre-Existing Condition?
A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.
Plans provided by Spot do not cover pre-existing conditions. However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
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 Pet Insurance Cover Exam Fees?
Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions.
Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.