Dog Insurance

Top-rated pet insurance for dogs to protect your wallet and your best friend.

Puppy Insurance

Pet insurance for puppies as young as 8 weeks.

Cat Insurance

Affordable cat insurance to keep your feline friend healthy and happy.

Kitten Insurance

Pet insurance for kittens as young as 8 weeks.

FAQs

Frequently Asked Questions.

Pet Insurance Providers

See how Spot measures up against other pet insurances when it comes to coverage.

Pet Insurance Plans

Find out what eligible conditions and accidents our plans cover.

Blog

Learn more about how to take care of your pet, from feeding to training, at every life stage.

Breeds

Discover the personality and characteristics of your favorite cat or dog breeds.

Pet Insurance by State

Find state-specific information about Pet Insurance in the United States.

Help Center

Everything you need to know about Spot Pet Insurance.

America's Most Loved Pet Insurance

Up to 90% Cash Back on Vet Bills

Visit Any Vet in the U.S. or Canada

10% Multi-Pet Discount

24/7 Pet Telehealth Helpline

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They Think We’re Pretty Cool:

What's Covered?

Accident & Illness

Exam fees

Cancer, diabetes

Respiratory infections

And More, See Coverage >

Accident Only

Surgery & hospitalization

Swallowed objects

Toxic ingestion

And More, See Coverage >

Preventive Care

Dental cleaning

Spaying or neutering

Annual wellness exams

And More, See Coverage >

Click For Price

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.

See Why Spot is Leading the Pack

Thousands of pet parents are choosing Spot. See why Spot pet insurance plans are widely preferred over other pet insurance options.

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Access Spot Perks Exclusive Promo Codes Today 🧡💰

As part of our mission to help pets lead happier and healthier lives, enjoy access to a curated list of discounts on pet essentials.

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.

Cat & Kitten Plans

as low as

$9/mo1

Dog & Puppy Plans

as low as

$15/mo2

View Sample Policy

Happy Pet Parents Trust Spot

Rated 4.7 / 5 based on 4,854 reviews

Glad I chose Spot

Fast and easy to process claims

Paul Sweeney

I am very happy I went with Spot Pet…

I am very happy I went with Spot Pet Insurance! They are timely in processing the claims and have honored the terms of the agreement 100%. They reimburse as they say they will, and the customer service is phenomenal. Great company.

Andrea Hayes

I am very satisfied with Spot Pet…

I am very satisfied with Spot Pet Insurance. I put my claim in and it was processed and finalized within 3 days.

Ena Summerhill

A++ service

Spot insurance has been so helpful with vet appointments and so fast at reimbursements!

darcie cobb

I’m a new customer and already my…

I’m a new customer and already my claims have went through smoothly and promptly. Thank you Spot.

Lynne Glenn

All the pets need Spot Insurance!

First time buying and using pet insurance and was very pleased. I did the research and Spot came up repeatedly as the best choice. My kitten’s first exam cost $107 - I was reimbursed $90 by Spot very quickly, directly into my bank account. We run a small pet sanctuary - all the new pets will definitely be insured by Spot!

Linda Poirier

Clear submission instructions

Instructions on what to submit were very helpful

Irmhild Smith

Affordable

Affordable, quick reimbursement, easy to submit claims

Lynn

Absolutely wonderful experience so far

Absolutely wonderful experience so far! I’ve had my pup on Spot insurance for about a year now. Claims are quick and easy, reimbursement is fairly quick as well! Love the app and the customer service!

Olivia

Friendly service

Friendly service, comforting when we were going through Boo Boo's Situation. Was so caring and understanding. We are defiantly staying with Spot!

Christopher

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.

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