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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 4,721 reviews
Prompt Claims Review
We submitted bills for routine wellness services and were mildly perturbed to receive an emailed form letter requesting our dog's complete health history. That seemed unnecessary as none of the charges submitted for reimbursement pertained to anything suggesting treatment of a preexisting condition or other uncovered service. A day later, and before we replied to the request for records, we received an email informing us that our claim had been approved in full. We will provide the requested records because Spot is certainly entitled to them, but it was very reassuring to learn that that claims aren't being routinely delayed for pre-textual reasons. The quick turnaround of our claim demonstrated that reasonable people are reviewing claims and making intelligent decisions about what is and isn't relevant to approval. The explanation of benefits was promptly received, clear and concise. (Praise not heaped on most human health insurers). We hope our beloved companion never suffers a serious injury or illness, but this prompt, efficient, and properly documented claims experience has boosted our confidence that Spot Pet Insurance will promptly provide the promised financial assistance should it ever be needed.
Easy
Easy, clear coverage, simple process and fast payment.
My dog was recently quite sick and the…
My dog was recently quite sick and the cost ended up being over 1k, spot didn’t question it didn’t ask questions they just helped me paid as expected great insurance!
Helpful and Thorough
Helpful and thorough. The process is easy to submit a claim. Anytime I have had to speak to a representative they have been very helpful. They try to do the best for the customer.
Prompt and efficient
Prompt and efficient
Best think I ever got for my fur baby!!
Best think I ever got for my fur baby!!
My first claim
My first claim, and it was so easy to do! Spot was fast and easy to track the process. They make it very simplified and seamless to process the claims and we received our funds that they covered back into our bank account within a week. Thank you Spot for being so efficient :)
Fast payments on claims!!!!
Fast payments on claims!!!!! They covered almost all of our puppies visits
Easy submission and pretty fast…
Easy submission and pretty fast processing.
Very easy to submit the claim and I got…
Very easy to submit the claim and I got paid quickly!
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.