Up to 90% Cash Back on Eligible Vet Bills
Visit Any Licensed Vet in the U.S.
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Spot Leads The Pack
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Happy Pet Parents Trust Spot
Rated 4.6 / 5 based on 4,066 reviews
Promptness
Promptness
Linda Hartz
Your service is excellent!
Your service is excellent. I have recommended "Spot" to other people for their pets. I am very happy with your pet insurance.
Jewel
You are amazingly
You are amazingly ! Quick response and easy to make my claim. I’m very happy with your service. Thanks so much for the gift card too!
Penny Frigyes
Everything is handled great and all…
Everything is handled great and all claims handled great as well.
Dominick De Julio
Worth the money
Spot insurance has been very helpful and pays a good portion of my vet bill.
Raina Grillet
No complaints
Love this insurance fast turn around
Jessica Cordova
Excellent the best
Excellent the best
Bernadette Lofgren
I appreciate the timeliness of…
I appreciate the timeliness of submitted claims
Nancy Frattarole
The application is super easy to use
The application is super easy to use. They're very responsive to inquiries. Quick turnaround on claims.
Melissa Pollman
Very Quick Turn Around
Spot was very quick with the claim turn around. It was very easy to submit a claim on the app! Thank you for helping me keep my new puppy healthy and safe!
What is covered in Spot plans?
Plan Options
Spot accident & illness plans cover eligible diagnostics and treatments for costly accidents and illnesses:
Vet Exam Fees
Microchip Implantation
Behavioral Issues
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Dental Illnesses
Digestive Illnesses
Hip Dysplasia
Cancer & Growths
Infectious diseases & diseases from parasites
Orthopedic
Swallowed Objects & Toxins
Diagnostics & Treatments
Prescription Medications
Surgery & Specialized Care
Advanced Care
Virtual Vet Visits
Alternative Therapies (e.g. Acupuncture)
Spot Preventive Care Coverage Perks
Spaying or Neutering
Spaying or Neutering is covered for an extra cost as part of Spot's Platinum Preventative Add-on
Dental Teeth Cleaning
Cleaning coverage included in Spot's preventative care coverage options for an extra cost
Wellness Exams
Routine exams and screenings give your vet the opportunity to detect health issues in the early stages
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24/7 Pet Health Helpline
Policyholders of insurance plans from Spot are provided immediate access to a 24/7 helpline for pet health, behavior, and wellness questions powered by VetAccess™.
Your questions will be answered by veterinary experts 24/7 at no additional cost!
Frequently Asked Questions
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
What is Pet Insurance?
Pet insurance is for paw-rents seeking a financial safety net for accidents or illnesses that their pets might experience in the future.
Pet insurance plans provided from Spot have deductibles, reimbursem*nt percentages, annual limits, and premiums.
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.
How Do I File a Claim?
Click the Claims icon and follow the simple instructions. Don’t forget to take a picture of your invoice and upload it to complete the claim submission.
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.
