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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
Just started
Just started with them but so far it has been easy and quick.
Enrolling in the pet insurance was very…
Enrolling in the pet insurance was very easy. A couple of months later, my dog had an incident with exposure to a toxic substance. I immediately took him to a pet emergency hospital and he was taken care of. Spot insurance processed my claim for reimbursement and received it with no questions and within a week. Thank you for making it easy to sign up and process a claim.
Affordable insurance for Pet Owners.
Affordable insurance for Pet Owners. Easy use of App to submit claims with quick reimbursement of funds.
quick review and reimbursements
Very timely.
Quick claims process
Claims process is quick and easy.
Super simple to file a claim Receive a…
Super simple to file a claim Receive a reimbursement!
Premium is priced right
Premium is priced right, and Easy claim process.
Prompt payment
The website made it easy to submit a claim for wellness expenses. Reimbursement was in my account within days of my submission.
Prompt claim review.
Prompt claim review.
Easy online claim process.
Easy online claim process. Quick claim review by Spot with accompanying information.
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.