Unexpected vet bills can run $5,000–$15,000 or more. Spot Pet Insurance reimburses up to 90% of covered vet bills so you can focus on your pet's health — not the cost.
Coverage Options
Spot offers accident-only and accident & illness plans, plus an optional wellness add-on — so you can build the right coverage for your pet and your budget.
The most comprehensive option. Covers emergency care, surgery, hospitalization, diagnostics, medications, and treatment for illnesses including cancer, infections, hereditary conditions, and behavioral issues.
The most affordable option. Covers vet exam fees, lab tests, MRIs, CT scans, X-rays, surgery, IV fluids, medications, and medical supplies for unexpected accidents and injuries.
Optional add-on that reimburses routine care: wellness exams, vaccines, spay/neuter, dental cleanings, flea and heartworm prevention, and microchip implantation.
Unlike many pet insurers, Spot covers breed-specific and hereditary conditions like hip dysplasia, allergies, arthritis, cataracts, diabetes, seizures, and hyperthyroidism — as long as they weren't pre-existing.
Covers dental illnesses including extractions, gingivitis, periodontal disease, gum disease, and broken, chipped, or fractured teeth — coverage most pet insurers exclude entirely.
Visit any licensed veterinarian in the United States or Canada — no network restrictions, no referrals required. Your vet is already covered.
Why Spot
Not all pet insurance is created equal. Here's how Spot stacks up against the typical provider.
Customer Stories
"My little guy had emergency surgery to remove a foreign body — over $6,000 total. I called Spot to verify what they'd need. They were empathetic and clear. My claim was approved and the money was deposited in less than a week. I would give 6 stars if I could."
— Morgan
"Spot has been amazingly helpful, taking away the worry of 'am I going to be able to afford this visit' so I can just focus on my cat's care. I've been recommending Spot to all my friends with pets."
— Lauralea Pittman
"I hit my deductible this year and was reimbursed for subsequent visits according to the contract. The claims process is done through their app and reviewed quickly. 10/10 — will never not have Spot for my fur kids."
— Michelle Nguyen
FAQ
Further Reading
RightQuote partners with Spot to offer affordable accident, illness, and wellness plans for dogs and cats. Get a free quote — no commitment required.
