How Pet Insurance Works
Visit Any Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
Submit Your Claim
Submit your claim online or in our app – it’s quick and easy.
Get Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
Happy Pet Parents Trust Spot
Rated 4.7 / 5 based on 4,374 reviews
Great experience!
I dread filing paperwork, especially for my pet. It's frankly a pain. Surprisingly, Spot has it all figured it. All I needed to do was provide some documentation and within 48 hours my claim was processed. How great is that!?!
Easy to use and fast.
Easy to use and fast.
First time processing a claim
First time processing a claim. It was simple, convenient through the Spot app and fast receiving payments back!!
This was our first claim
This was our first claim. It was easy to submit screen shots of vet visit. Was quick turn around time. Explanation of benefits was clear.
This was quick and easy to do and you…
This was quick and easy to do and you covered everything!! Thank you!
Quick review and payments when claims…
Quick review and payments when claims need to be made. Everything is clearly explained.
Was pleased with the quick response.
Was pleased with the quick response.
Fastest claim processing and easiest…
Fastest claim processing and easiest ever, I just joined and I’m impressed!
This process was so easy
This process was so easy! It gives me peace of mind that it’s convenient for me to process claims and keep my dogs healthy without breaking the bank.
My claim was processed pretty quickly…
My claim was processed pretty quickly and when I called for status the person was very polite and helpful.
What is covered in Spot plans?
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
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, reimbursement 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.