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 >

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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 4,948 reviews

Positive experience

Fast processing, solid customer service, decent price. Sometimes there are emails that tell you records are needed even after they were confirmed received. Small issue in comparison to all the positives.

TL

5 stars for Spot Pet Insurance

Had to call customer service a few times and reps were very helpful and professional. Claims were processed within 3 days and deposited in my bank account. Before having Spot insurance I had another pet insurance company for 7 years. It took over a month to process claims. Spot Pet Insurance is awesome and have already referred them to several people.

Jenny Gilchrist

Super fast claim processing

Super fast claim processing. My reimbursement was in my bank account within 2 or 3 days from my appointment.

Michael K

Definitely worth the expense

Bought accident insurance when we rescued our 1 1/2 year old Doberman in February of 2022. Have never had pet insurance before. In March of 2023 he ruptured his left Achilles tendon chasing a barn kitty; and, in April 2024 he ruptured his right Achilles tendon chasing a rooster. SPOT has promptly reimbursed us for each of the surgeries and follow up care. Definitely worth the expense.

Jude Sullivan

I put in a claim and it was process…

I put in a claim and it was process very quickly. I was actually surprised because I thought it took a while and then I would have to go through a lot of red tape. Needless to say spot insurance was spot on!

Rhonda Harper

Perfect for my cat care

I signed up for Spot Pet Insurance at the end of last year, and I couldn't be happier with my decision. One of the standout features of Spot Pet Insurance is their comprehensive coverage options. They offer plans that cover everything from accidents and illnesses to wellness visits and preventative care. This flexibility allowed me to choose a plan that fits my budget and my pet's specific needs. The claims process is straightforward and hassle-free. Filing a claim online is quick, and I appreciate the transparency in the status updates provided throughout the process. Most importantly, claims are processed promptly, ensuring that I’m reimbursed without unnecessary delays. Another aspect I love about Spot Pet Insurance is the ability to visit any licensed vet, specialist, or emergency clinic. This gives me peace of mind knowing that my pet will receive the best care available, no matter where we are. In summary, Spot Pet Insurance has provided me with excellent service and coverage, ensuring that my furry friend is well-protected. I highly recommend Spot Pet Insurance to any pet owner looking for reliable and comprehensive coverage for their beloved pets.

Nataliia Chesnova

Our dog had some gastro problems

Our dog had some gastro problems. Had no idea how much we would be reimbursed being the first time we used the insurance. Very pleasantly surprised. Thank you so much spot

Jennifer Evans

I was a little skeptical about pet…

I was a little skeptical about pet insurance, but now I think it is a wonderful choice. You know you would do anything for your furry family member so why not add a little protection for vet bills that can be so expensive. Spot makes it easy to have that peace of mind

Howard Cogburn

Fast reimbursement.

Fast reimbursement.

Daniel

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).