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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
Rated 4.7 / 5 based on 4,789 reviews
Accident/Illness coverage for dog <1 yr old
My miniature schnauzer had a significant illness vomiting for reasons unknown and an accident swallowing something he shouldn’t have both when he was 5-8 months old and luckily I had enrolled him in Spot Insurance which resulted in me saving about $1200 for treatment of both incidents even though I’ve only paid around $25 per month for coverage. Payment was prompt as promised as well!
The insurance is affordable!
The insurance is affordable! I pay monthly and it covers A LOT. The claim process is incredibly easy and super fast. Love this insurance for my dog.
I am so happy that I chose Spot.
I am so happy that I chose Spot for pet insurance. I have all three of my cats on it and I am super grateful for it. I’ve had a few emergency vet visits since I signed up with Spot. It really took some sticker shock away. I suggest Spot pet insurance to anyone with a pet. You can have a plan that helps cover preventative and emergency visits. I found that most pet insurance companies do not do both. I know I made the right decision choosing Spot.
Claim and reimbursement
Submitting claim was very easy and quick process. Reimbursement was quick as well. Overall great experience with submitting my first claim!
Easy to file, fast approval!!!
Easy to file claim on app and approved next day!
We’ve always been a little hesitant to…
We’ve always been a little hesitant to get pet insurance because we’ve heard horror stories about how hard it is to file a claim and get paid. That is so far from the truth with Spot. They made filing the claim so easy and getting paid with direct deposit made it so I didn’t even have to think about it after I submitted it.
Reimbursed quickly!
Pet insurance is new to me but it makes taking my puppy to the vet easy.
Satisfied
I wish we would've gotten pet insurance sooner! It gives me peace of mind for sure. They process claims quickly too.
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.