Best Pet Insurance for Dogs & Cats
America's Most Loved Pet Insurance
- Get up to 90% cash back on covered vet bills
- Visit any licensed vet in the U.S. or Canada
- 24/7 pet telehealth helpline
Recognized by Pet Experts. Trusted by Pet Parents.
Spot plans help cover your pet from head-to-tail.
Illness
Best coverageDiagnostics, treatments, and medications for illnesses.
- Skin, eye, & ear infections
- Cancer & growths
- Behavioral issues
- Hereditary conditions
- Dental illnesses
- and much more
Accident
Most affordableEmergency care, surgery, and rehab for unexpected accidents.
- Vet exam fees & lab tests
- MRIs, CT Scans & X-rays
- Surgery & hospitalization
- IV fluids & medications
- Medical supplies
- and much more
Wellness
Optional add-onCash back for wellness exams, vaccines, and routine care.
- Wellness exams
- Spay & neuter
- Dental cleaning
- Flea & heartworm prevention
- Vaccinations
- and much more
Swipe to see more
How does pet insurance work?
Sample Vet Bill1
Cancer (Osteosarcoma)
Pet Name:
Neapolitan
Breed:
Giant Mix Dog
Radiation Treatment
$11,250
Zolendronic Acid Injection
$475
Chemotherapy Session
$440
Catheter
$75
Professional Services
$75
Chemotherapy Supplies
$30
Total vet bill
$12,345
Spot plan reimbursed
$11,110
No network restrictions
Visit any licensed vet
You choose your own vet in US or CAN.
Easy claim process
Send us your bill
Submit your claim online in 30 sec.
Fast & convenient payout
Get up to 90% reimbursed
Claims reimbursed in 48 hrs or less.
What plans do you offer?
Spot’s plans can help cover what other providers don’t.
Don't settle for anything less than the best.
Spot’s plans can help cover what other providers don’t.
Dental illnesses2
Extractions, gingivitis, periodontal diseases, gum disease, and broken, chipped and fractured teeth.
Breed-specific, chronic & hereditary conditions2
Allergies, arthritis, cataracts, diabetes, seizures, hip dysplasia, hyperthyroidism and more.
Prescription foods3
Special diets, supplements, and medications.
24/7 pet health helpline
Access to a helpline for pet health, behavior, and wellness questions.
Behavioral modification
Treatment of anxiety, aggression, and other behavioral conditions.
Microchip implantation
Coverage for microchipping to help reunite lost pets with their parents.
Enjoy more perks with fewer restrictions.
Compare insurance providersHow do we compare?4
Most providers
For a list of exclusions, please refer to a sample policy
Get access to $2,500+ in discounts on your favorite pet brands(6)
DNA TEST
$20 off pet DNA test kit
MEMBERSHIP
$50 Off Litter-Robot 4
PET SITTING
$20 off first-time pet sitting
ENTERTAINMENT
35% off annual subscription
CAT FOOD
20% off your first three orders
PET CAMERA
$55 off Furbo pet cam
GPS COLLAR
$50 off 6 Month Membership
SMART COLLAR
20% off membership
No purchase necessary. See spotpet.com/perks-terms
Happy Pet Parents Trust Spot
Excellent Claims Experience with Spot Pet Insurance
I recently submitted two claims for our cat, Chouchou, and had a very positive experience with Spot Pet Insurance. The first claim was processed and approved within just two days, and the second was completed shortly afterward. Both claims were approved, and the reimbursements were issued through direct deposit. The online submission process was simple and straightforward, and I appreciated being able to track the progress of each claim. So far I'm very pleased with Spot and would definitely recommend them to other pet owners.
Quick payment on most recent claim
Quick payment on most recent claim
Claim was extremely easy to submit
Claim was extremely easy to submit. Uploaded all the required documents and received refund with no problem.
Quick and secure
Quick and secure. My cats appreciate having this level of care and so do we!!
Customer service is great
Customer service is great! Love the different levels of insurance.
Claim
Claim process is quick and painless.
Quick Response; Easy to File & Monitor
While I had hoped to never have to use my Pet insurance, I am thankful to have made the decision to cover my pup. Unexpectedly, he had a few urgent vet visits that ultimately meant a pricey procedure and treatments. The ease of filing claims and checking on policy terms is significantly easier than any other insurance app I've used and I appreciate how quickly Spot is able to make a determination, along with providing the EOB. Highly recommend Spot to any pet owner.
I submitted my claim and received my…
I submitted my claim and received my reimbursement via direct deposit 2 days later. Super easy-to-use
Paid 70% of claim
Paid 70% of claim, thankfully!
Good prices
Spot has offered me with an affordable.policy for my pet. They have great coverage and tht calim submission is very easy to follow. I am very happy with them and my mind at peace knowing Lula can receive the care she needs at an affordable price.
Frequently Asked Questions
Have questions about pet insurance and how it works? Don't worry, we've got you covered.
How does pet insurance work?
What can pet insurance cover?
What are the different types of pet insurance?
Is pet insurance worth it?
How much is pet insurance?
What is a pre-existing condition?
Does pet insurance cover pre-existing conditions?
What is a waiting period for pet insurance?
At what age should I get insurance for my dog or cat?
Do all vets take pet insurance?
Do Spot's plans provide a money-back guarantee?
* Advertised premium is from Dec. 11 2024 based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) dog in 32009. Premiums may vary due to plan options such as annual limit, co-insurance, and deductible, as well as your pet’s breed, age, and location. Quotes at purchase will reflect these factors and your specific selections. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
** No purchase necessary. Based on total combined Spot Perks discounts applied to avg. vendor cart value. spotpet.com/perks-terms
+ Based on admin data from 2019 to 2024. Actual reimbursement amounts may vary depending on plan type and options, including annual limit, co-insurance, and annual deductible, as well as the specifics of the claim and your policy terms.
1 Claim reimbursement is based on actual policyholder claims from 2023. Claim example illustrates reimbursement based on an accident and illness policy at $75.01/month with a $500 deductible, 90% reimbursement, and unlimited annual benefit for a 1-year-old giant mix dog. Individual reimbursement amounts may vary depending on the specific terms of the policy, including coverage selected, annual deductible, reimbursement rate, and annual limit. Individual experiences and outcomes may vary.
2 Only covered with an accident and illness plan. Pre-existing conditions are not covered.
3 Prescription food & supplements are covered if they are prescribed to treat an eligible accident or illness. Prescription food & supplements are not covered if they are used for weight management or general health maintenance.
4 Comparison information is provided using publicly available information as of 3/2/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans is not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep the information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing marketing@spotpet.com.
5 Available if no claims have been filed. There is a 15-day money back guarantee in ME, LA and WA. Not available in NY.
6 No purchase necessary. Based on total combined Spot Perks discounts applied to avg. vendor cart value. spotpet.com/perks-terms
7 Visa gift card terms and eligibility apply, not available in AK, GA, KY, MD, NE, NH, RI, SC, TX, VA. See spotpet.com/visa-terms
7 Sam’s gift card terms and eligibility apply, not available in AK, KY, RI, TX, VA. See spotpet.com/sams-gc-terms