Discounts & Rewards

Spot Pet Insurance

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Help protect your pet & save up to 20%

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—a special 10% group discount on every policy, plus a 10% multi-pet discount on all additional pets.1


Help protect your best friend in case of accidents, illnesses, behavioral issues, and more.

Protect your fur babies with confidence

We know that your pets are part of your family, and that's why AAA has partnered with Spot Pet Insurance to offer members a cost-effective way to help protect their family pets. Additional benefits of using Spot Pet Insurance include:



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Money back

Spot offers a customizable plan that can get you up to 90% back on eligible vet bills with a 30-day, money-back guarantee.2

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Budget-friendly plans

Plans have budget-friendly options and let you choose your annual limit, annual deductible, and reimbursement rate.

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Optional add-ons

Add optional wellness coverage to your plan for a little extra cost to help provide more protection for your furry friend.

Vet visits anywhere you need

Spot plans let you visit any veterinarian or licensed specialist, anywhere you want within the U.S. or Canada.

Get help from a vet when you need it

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VetAccess 24/7 helpline

Spot offers a unique, convenient way to help you get your pet the treatment they need to stay healthy. The VetAccess™ 24/7 helpline gives you:

  • 24/7 access to veterinary specialists
  • Get answers and reduce unnecessary vet visits during uncertain times 
  • Ask questions about pet health, behavior and wellness


Pet insurance & safety articles

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How pet insurance works & why to consider getting it

With a solid understanding of what pet insurance is and how it works, you can confidently decide whether this type of coverage is right for you and your pet.

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How to keep your pet safe in the car

As pet ownership and pet travel continue to rise, understanding how to keep your pets safe while traveling is more important than ever. 

Frequently asked questions