America's Favorite
Pet Insurance

• Up to 90% Cash Back on Vet Bills

• Visit Any Vet in the U.S.

• 10% Multi-pet Discount

• 24/7 Pet Telehealth Helpline

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What do Spot Pet Plans Cover?

Plan Options

Accident & IllnessAccident Only

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

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)

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Affordable Plans for Dogs & Cats

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.

Cat & Kitten Plans

as low as

$9/mo¹

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Dog & Puppy Plans

as low as

$15/mo²

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View Sample Policy

They've got your back. Why not cover theirs?

Life is full of surprises. Spot helps pet parents plan for the unexpected through easy and reliable pet insurance options that can be used at any licensed vet in the US or Canada. Enroll your Pet with Spot and get up to 90% cash back on eligible vet bills.

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Why Choose Spot Pet Plans?

Trusted by
Pet Parents

Rated Excellent
4.6/5 Stars

Recognized
by Forbes

5-Star Rated

Committed to
Helping Pets

$5.7M

avg. claims
paid /month³

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Happy Pet Parents Trust Spot

Rated 4.7 / 5 based on 9,763 reviews

Great service so happy I chose to do…

Great service so happy I chose to do business with spot. My dog is healthy and happy too.!!!!

William R

Easy to submitclaims and quick response

Easy to submit claims and quick response

Flossie Jack

Easy to use app and quick to be…

Easy to use app and quick to be reimbursed

Rebecca Hart

Submitting a clam and the approval…

Submitting a clam and the approval process was quick and easy.

Debbie Campbell

Wonderful

Wonderful! Prompt resolution of my claims. :) Very happy with Spot for my kitties.

Heather Orozco

Great service

Great service

Stephen Shy

Quick review of claim and processing!

Quick review of claim and processing!

Katie Coyle

Very Quick Claims Service.

Very Quick Claims Service.

Edgar Garcia

Great Customer Service

Great customer service Very friendly and quick as well as easy to file claims ! Always asks about Giovanni

DeAnna Campolungo

Spot has always been good to my pups…

Spot has always been good to my pups and would recommend to anyone

Reuben Acero

Pet Insurance FAQs

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?

Can I Get Reimbursed for Routine Teeth Cleanings?

How do I Determine if My Pet Has a Pre-existing Condition?

What is the Best Age to Insure My Pet?

Does Pet Insurance Cover Exam Fees?

_{This is a Spot informational page. The number provided on this page will direct you to Spot Pet Insurance for a quote. Wawanesa has no control over the privacy practices of the company mentioned above and assumes no responsibility in connection with your use of their website. Any information that you provide directly to them is subject to the privacy policy posted on their website.}

_{Pet health insurance is not a Wawanesa Insurance product. Wawanesa Insurance refers customers to Spot Pet Insurance Agency, LLC, which offers and administers pet insurance and is underwritten by either Independence American Insurance Company or United States Fire Insurance Company. These entities are not affiliated with Wawanesa Insurance.}