Kitten & Cat Insurance Plan Options as Low as $10/month1

More purrrfect meowments with pet insurance for cats with plans provided by Spot.

  • No Vet Networks. Visit Any Vet in the U.S. or Canada

  • Microchip implantation coverage

  • No per incident or lifetime cap

How Cat Insurance Works With Plans Offered by Spot


Visit Any Licensed Vet

Get vet treatment in the U.S. or Canada.


Submit Your Claim Easily

Submit your claim online or in our app.


Get Cash Back

Get paid back for eligible vet bills for covered conditions.

Customize Your Kitten & Cat Insurance Plan Options

Cat & Kitten Plans

as low as



Happy Pet Parents Trust Spot

Rated 4.4 / 5 based on 2,251 reviews

Get Help with Eligible Vet Bills

You would do anything for your pup. It shouldn’t include breaking the bank. Accident & illness pet insurance plans can help if your dog gets unexpectedly sick or hurt by reimbursing you for eligible vet bills. Get a free quote.

Frequently Asked Questions

Have questions about pet insurance and how it works? Don't worry, we've got you covered.

What Do Pet Insurance Plans Provided by Spot Cover?

Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.

Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.

You may use any licensed veterinarian in the US.

For a full list of terms and conditions, click here to view a sample policy.

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. 

How do I Determine if My Pet Has a Pre-existing Condition?

Plans provided by Spot do not cover pre-existing conditions.  

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.

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 pet at a young age.  You can enroll your pet in 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.

More of a Dog Person?

We offer pet insurance plans for puppies and dogs too!

Pet Insurance for Dogs

Contact Us

Questions? Let us dig up an answer. Our helpful team is just one phone paw away or you can visit the contact page.

Mon – Fri | 8am – 8pm EST

Follow us on Instagram

Follow us everywhere else: