Pet Insurance Get easy, reliable pet insurance with just a few clicks

Shop, compare, and protect your pet online. Get up to 90% cash back on vet bills, a 10% multi-pet discount, and 24/7 access to pet telehealth. Visit any vet nationwide with coverage you can count on.

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Rate Insurance has teamed up with Spot to make quoting and buying pet coverage online fast, easy, and affordable.

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Everyone I dealt with knew my name, knew my coverage and answered my questions in terms I could grasp. No one tried to “sell” me. I will continue to do business with these people, now and in the future.”

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What is pet insurance and how does it work?

Pet insurance can help cover the cost of eligible veterinary care for your pet. Spot Pet Insurance plans offer a range of benefits to help make pet healthcare more affordable and accessible.

Most pet insurance plans are customizable, meaning that pet parents can select an annual deductible, annual limit, and reimbursement rate from a range of options. This helps pet families choose a plan that can help cover the needs of their pet and fit within their budget.

There are three main types of pet insurance coverage:

Accident only coverage

Accident-only plans offer basic coverage for veterinary expenses related to the treatment of unexpected accidents like injuries from falls, fights, or car accidents. The most affordable plan option, it typically includes vet exam fees, diagnostics like X-rays and MRIs, surgery, hospitalization, medications, and some alternative therapies.

Accident and illness coverage

This more comprehensive plan includes everything covered under accident-only plans, plus veterinary expenses related to illnesses. This can encompass a wide range of health issues such as infections, hereditary conditions, cancer, diabetes, and even behavioral problems.

Wellness and preventative care coverage

Preventive care coverage cannot be purchased alone; it’s an add-on to a base plan (either accident-only or accident and illness). It helps cover routine and preventive care services such as vaccinations, annual check-ups, dental cleanings, and flea/heartworm prevention.