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Help protect your pet and save up to 20%*

  • Save up to 20%* on Spot Plans
  • $25 Amazon Gift Card**

Spot Pet Insurance plans offer extensive coverage so you can worry less about what's around the corner. Spot plans help you protect your pet for covered conditions in case of accidents, illnesses, emergencies, behavioral issues, cancer, surgery, and more!

Spot Pet Insurance and AAA help save you from expensive vet bills.


Give your pets the care they deserve and help save yourself from expensive vet bills with Spot Pet Insurance. AAA members can get up to 20%* off Spot plans—10% off the first pet on every policy, plus an additional 10% multi-pet discount on all additional pets.

Bonus Gift: Get a $25 Amazon Gift Card** to treat your pet! Enter your zip code when completing your quote request to see if you qualify.


We understand that pets are part of the family, which is why we offer affordable pet insurance to keep them healthy and happy. Our policy with the preventive care option covers routine check-ups, vaccinations, as well as accidents and illnesses.

  • Up to 90% Back: Receive up to 90% back on eligible vet bills with plans from Spot Pet Insurance.
  • Customize Your Policy: Spot’s customizable plans allow you to choose your annual limit, deductible and reimbursement rate.
  • 24/7 Pet Tele-Health Helpline: Spot provides immediate access to VetAccessTM 24/7 helpline for pet health, behavior, and wellness questions. Get your questions answered by licensed veterinarians!

Terms & Conditions

*Includes a 10% member discount on every pet, plus a 10% multi-pet discount on all additional pets. Discounts may vary. Not available in TN or HI. Spot disclosure: Pre-existing conditions are not covered. Waiting periods, annual deductibles, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions view your policy documents or visit Preventive Care reimbursements are based on a schedule. Accident and illness Coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change. Insurance plans are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254) or United States Fire Insurance Company (NAIC #21113. Morristown, NJ), and are produced by Spot Pet Insurance Services, LLC. (NPN # 19246385. 990 Biscayne Blvd Suite 603, Miami, FL 33132. CA License #6000188). 

**Limit one per customer. Additional $25.00 gift is only available to residents in CA, FL, ID, ME, MT, NJ, NY, WA, GA, MN, OH, TN, TX, AR, AZ, KY, NH, OK, PA, IN, NM, OR, MS, NV, WY and is subject to eligibility. The Gift is eligible to be claimed thirty-two (32) days after the purchase of the applicable pet insurance policy, provided the policy is active and the policyholder’s account is in good-standing, or thirty-two (32) days after the completion of the applicable pet insurance application. To claim your gift, you will receive an email with instructions from Spot Pet Insurance with a link to claim your gift. The ability to redeem the gift and the link to claim your gift will expire after one hundred and eighty (180) days from policy purchase. Pet insurance policy renewals are not eligible for the promotion. Void where prohibited by law.