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Top-Ranked Pet Health Insurance Plans for Cats
Spot pet insurance offers affordable and comprehensive cat insurance plans that cover your cat from head-to-tail,
providing everything necessary to help you ensure they receive the best care.
When they’re sick
Get pet insurance for cats, including coverage for diagnostics, treatments, and prescription medication for covered conditions.
When they’re hurt
Spot plans cover emergency care, surgery, and rehab for cats injured in unexpected accidents, helping ensure their health.
When they’re healthy
Keep up with routine wellness exams, vaccines, and more with optional Preventive Care benefits you can add to your plan.
What Do Spot Cat Insurance Plans Cover?
Spot offers two main plans: Accident & Illness and Accident Only. You can add an optional Preventive Care plan as well.
Preventive Care for Your Cat
Regular veterinary check-ups included in preventive care plans can help with the early detection of potential health issues. Timely identification enables prompt intervention, and can lead to more effective and less costly treatments in the future.
Early identification can help with potential health issues, which can lead to prompt intervention and improved treatment outcomes.
Vaccinations and preventive measures can protect pets from common and serious diseases, helping ensure their overall well-being.
Proactive care can help prevent costly treatments by addressing health concerns before they escalate, potentially saving both money and suffering.
Regular check-ups, vaccinations, nutrition, dental care, and preventive medications can contribute to a cat's overall health, longevity, and higher quality of life.
Preventive care can support behavioral health, helping address issues early and fostering a harmonious relationship between cats and their owners.
Peace of Mind
Knowing that a cat can receive regular preventive care helps provide owners with peace of mind that they are actively contributing to their cat's health.
Cat insurance that’s easy!
Spot makes it simple for pet parents to submit a cat insurance claim and receive reimbursement for eligible services in just a few days.
Visit Any Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
Submit Your Claim
Send us your bill online, in our app, or via fax.
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
Happy Pet Parents Trust Spot
Rated 4.6 / 5 based on 3,977 reviews
Quick efficient processed claim
Quick and efficient lain processing with little effort on my part.
Every time we have made a claim it has been responded to quickly. It has been very helpful in taking care of our pets.
Filing a claim is very easy
Filing a claim is very easy. The response that you receive from Spot is quick.
Website is user friendly and so are the…
Website is user friendly and so are the claims.
Quite impressed, for the most parrt, just put in another claim yesterday
I just filed a claim two days ago and I’m waiting for the response that it was paid, but for the most part, you pay extremely rapidly, which is very important to me because a lot of the times I just don’t have the money laying around to spend on the dog medication. I also appreciate how much you help me when I did not understand and how to process a claim. I’m heartbroken that you sold it to someone else and I hope they do is for a job as you did.
Wonderful, easy and straightforward!
Spot is very easy to use when it comes to accessing your pets information and submitting the claims. Everything is straight forward and I really enjoy how accessible it is to call and someone picks up almost immediately.
Quick and easy claim process
Quick and easy claim process. Had his appointment on Monday, by Thursday his claim was processed and approved.
Easy to understand there wed site
Easy to understand there wed site. Very quick in getting you refund to you.
I recommend SPOT to anyone who has pets
I only have one pet that it's hard to know if what he goes in for is reimbursable. Any other pet has just went swimmingly and the piece of mind of knowing I don't have to pick and choose what care my pet gets has been such a relief. The turn around time has always been excellent. I have already recommended SPOT to anyone who has pets.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
How are My Pet Insurance Premiums Calculated?
In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible.
What is a Pre-Existing Condition?
A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.
Plans provided by Spot do not cover pre-existing conditions. However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
Can I Get Reimbursed for Routine Teeth Cleanings?
Base level plans provided by Spot do not cover routine teeth cleanings.
However, Spot accident & illness plans cover treatments for dental illnesses. The only treatment covered for dental accidents is tooth extractions.
To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.
What is the Best Age to Insure My Pet?
Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age. You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old. Don’t let your pet develop a “pre-existing condition” before they’re insured.
Does Pet Insurance Cover Exam Fees?
Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions.
Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.