Peace of Mind for Pet Parents: HNCU Launches Pet Insurance with Spot

By Kristen Beckman

For many of us, pets are more than animals—they’re family. And just like any family member, they deserve great care when they’re under the weather. But veterinary bills can add up fast. That’s where pet insurance comes in.

Horizons North Credit Union recently added pet insurance to its lineup of offerings for members in coordination with Spot Pet Insurance.

“Horizons North Credit Union has joined forces with Spot to offer discounted pet insurance because we know pets are family too,” said LaTrice Brewster, AVP of marketing and business development at HNCU. “This new benefit is part of our ‘people helping people’ philosophy, giving members peace of mind and financial support to make the best decisions if your pet gets sick or injured.”

HNCU considered several options when looking for a pet insurance provider. After narrowing its list to three top options, HNCU chose Spot because of its simple-to-use services, flexible plans, and discounts for members. In fact, HNCU members receive up to 20% off pet insurance plans through its strategic partnership with Spot.

Demand for pet insurance is not only increasing every year, but it has reached an all-time high. According to the 2025 North American Pet Health Insurance Association report, there was a 20.8% increase in gross written premium from 2023 to 2024. The total number of insured pets also increased 12.7% from 2023 to 2024.

The popularity of pet insurance is growing as pet parents realize how costly unexpected vet visits can be. From tummy troubles to ear infections, the bills can stack up quickly. According to Spot, the top reasons people file pet insurance claims are related to wellness and preventative services, including routine care, check-ups, and vaccinations. Acute conditions frequently submitted for claims include vomiting and diarrhea, ear infections, allergies, stomach upset, behavioral issues, growths and lumps, skin irritations, and urinary tract infections.

Not all policies are priced the same. Premiums are based on the pet’s age, breed, and gender, as well as the zip code where the owner resides. This means your monthly cost might look very different from someone else’s, even if your pets are similar. That’s why it’s worth getting a personalized quote.

While the goal — helping with medical costs — is the same, pet insurance is much simpler than human health coverage. There are no networks, and visits to any licensed vet in the United States and Canada can be covered, said Zach Greenfield, partner marketing manager at Spot Pet Insurance.

After seeking care, pet owners pay the vet out of pocket, submit a claim and receive reimbursement within a few days. As more pet owners sign up for insurance, providers are stepping up their game. Spot, for example, offers a 30-day money-back guarantee if no claims are filed, 24/7 telehealth access to a vet at no extra cost, and a rewards program with over $2,500 in discounts on pet products and services.

For more information, HNCU members can log in to their account, or anyone can find more information at https://www. hncu.org/services/insurance/spot-pet-insurance.html