# Spot Pet Insurance

> Pet insurance for dogs and cats across the US and Canada, with flexible plans and fast digital claims\.

## At a glance

| Field | Value |
| --- | --- |
| Type | MGA |
| Region | NA |
| Headquarters | Miami, FL |
| Founded | 2019 |
| Employees | 51-200 |

## Overview

Spot Pet Insurance is a pet insurance MGA offering accident, illness, and wellness coverage for dogs and cats to individual consumers in the United States and Canada. The company distributes policies directly to consumers and through employer benefits programs, with underwriting capacity and administrative services provided by Independence Pet Holdings.

Spot was founded in 2019 and operates customizable plans with no per-incident deductibles, reimbursing up to 90% of eligible veterinary expenses. Coverage spans diagnostics, prescription medications, emergency care, surgery, hospitalization, rehabilitation, and hereditary and dental conditions. Plans are supported by a 24/7 veterinary telehealth service and a mobile app for claims submission.

Independence Pet Holdings acquired a majority stake in Spot in June 2024 after an initial partnership in 2022. Under this arrangement, Independence Pet Holdings handles underwriting authority, claims administration, customer service, and back-office operations. As of February 2026, Spot serves over one million pet parents nationwide, supported by 63% year-over-year premium growth in 2024.

## Products & services

### Accident and Illness Plan

Comprehensive pet insurance covering diagnostics, prescription medications, emergency care, surgery, rehabilitation, infections, cancer, hereditary conditions, and dental illnesses.

**Key features:**

- Up to 90% cashback on eligible vet bills
- Coverage for hereditary and congenital conditions
- Dental illness and behavioral condition coverage

*Target users:* Individual pet owners \(dogs and cats\)

*Distribution:* Direct to consumer, employer benefits

### Accident\-Only Plan

Lower-cost plan covering unexpected accidents including emergency care, surgery, rehabilitation, lab tests, imaging (MRI, CT, X-ray), hospitalization, and medications.

**Key features:**

- Emergency veterinary care
- Surgery and hospitalization
- Diagnostic imaging and lab tests

*Target users:* Cost\-conscious individual pet owners

*Distribution:* Direct to consumer

### Wellness Add\-On

Optional preventive care endorsement covering routine exams, vaccines, spay/neuter procedures, dental cleaning, and flea and heartworm prevention.

**Key features:**

- Routine veterinary exams
- Core and non\-core vaccinations
- Flea, tick, and heartworm preventive treatments

*Target users:* Individual pet owners seeking comprehensive wellness coverage

*Distribution:* Add\-on to accident and illness or accident\-only plans

### VetAccess 24/7 Telehealth

Around-the-clock veterinary guidance covering health, behavioral, and wellness questions, accessible via the Spot mobile app.

**Key features:**

- 24/7 veterinary support
- Behavior and wellness guidance
- Available on iOS and Android

*Target users:* Policyholders seeking non\-emergency guidance

*Distribution:* Included with all active policies

## Links

- Website: <https://spotpet.com>
- Directory profile: <https://insurtechlist.com/companies/spot-pet-insurance/>
- Careers: <https://spotpet.com/careers>
- About us: <https://spotpet.com/about-us>
- Linkedin: <https://www.linkedin.com/company/spot-pet-insurance>
- Get a quote: <https://quote.spotpet.com/>

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*Last updated: 2026\-05\-18*