Pet insurance that’s easy as 1-2-3.
Spot makes it simple for pet parents to submit a claim and receive reimbursement for eligible services in just a few days.
Visit Any Vet
Yep! There are no vet restrictions. Visit any vet in Canada or the U.S.
Submit Your Claim
Submit your claim online, via fax, or email - it's quick and easy.
Get Paid!
Get cash back for covered vet bills either direct deposit or cheque – your choice.
What do Spot Pet Plans Cover?
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.
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.
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
Happy Pet Parents Trust Spot
I love using Spot insurance
I love using Spot insurance. Everything is laid out from the beginning as far as what they cover. The rest is easy online
They are so easy to work with when you…
They are so easy to work with when you have a claim. Our furbaby recently got an issue and it was so easy to process through them. I would recommend to all my friends.
Terrific
So far, y’all have been terrific.
Spot processed the claims promptly
Spot processed the claims promptly, applying the deductible and paying the rest immediately,
Whenever I send you my pet bill for…
Whenever I send you my pet bill for reimbursement, you are quick to get the process started without any hesitation.
Wonderful company to work with
Wonderful company to work with
Great insurance!
Great insurance!
Submitting a claim
Submitting a claim for our dog’s routine exam was fast and easy and we were reimbursed in a timely manner.
Easy and as it says in the fine print.
Easy and as it says in the fine print.
Claims process quick and easy
Just put in my first claims, the steps were clear and easy, and the claim always processed quickly. Really satisfied with how it all worked
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
What Does Pet Insurance Cover?
Pet insurance can put money back in your pocket for veterinary costs needed to diagnose, treat, and manage an eligible condition. Exams and rechecks, x-rays, ultra-sounds, bloodwork, surgeries, stitches, medication, and prescriptions, and even prescription diets are all examples of costs that can be claimed for if they are used to treat or diagnose a covered condition.
Is Dental Coverage Included?
Most Spot Pet Insurance programs don’t offer dental coverage. For full details about what types of dental treatments can and cannot be covered, please review the terms and conditions of your plan.
What is a Pre-Existing Condition?
A pet’s illness or accident is considered pre-existing if the condition was onset before the policy coverage effective dates, or during a waiting period. This means if the first signs or symptoms of a condition showed up before coverage started, it would be considered pre-existing to coverage, even if it was not formally diagnosed. The most common reason why an illness or an accident is not covered by any pet insurance provider is if the condition was present before coverage started. For coverage to be available with almost all types of insurance, the problem must be new and unexpected.
For example, if typical symptoms of allergies (itchy skin, ear infections) were present before the coverage was effective or appeared within the waiting period of the policy, the allergies and related conditions, such as itchy paws and pyoderma, would be pre-existing to coverage.
What Are the Age Requirements?
You can enroll puppies as young as 8 weeks of age and adult pooches up to 10 years old. Kittens may be enrolled as young as 8 weeks of age and cats up to 12 years old. Once your pet is enrolled, they can stay on their Spot policy for life.
Dogs 12 and over and cats 13 and older can be enrolled in an Accident policy.
In cases where you don't know your pet's age, please estimate based on available medical records, shelter or rescue documentation.
Are Annual Check-Ups and Vaccines Covered? What About Spaying or Neutering?
Routine and preventative care treatments, such as annual wellness check-ups, vaccines or other treatments such as spaying and neutering or dental cleanings are not part of regular Accident & Illness plan coverage and are not available with an Accident plan’s coverage.
If you are interested in adding on this type of coverage for a little bit more each month, call to learn more about our optional wellness riders, available to add on to most Accident & Illness policies.