COVID-19 update: We will not cancel or non-renew any active policies due to non-payment through August 1, 2020. If you need assistance, please call us at 1.800.905.1595 to learn more.

Don’t Just Scratch the Surface on the Benefits of SPOT.



SPOT Cat Insurance

SPOT has customizable coverage for your feline friend. Choose to cover accident, illness, and preventive care* (no pre-existing conditions). We cover all ages, from kittens to seniors, and support them in getting the best care from the vet of your choice.

SPOT Insurance Benefits:


Preventive care options* and plans that help with spaying and neutering costs for kittens


10% multi pet discount on all additional pets


Customizable annual limits, deductible and reimbursement rates

*Preventive care options available for extra cost.

How it Works

Visit Any Licensed Vet, Emergency Clinic or Specialist.
Get the care your pet needs and pay your bill.
Submit Your Claim.
Send it in through our app online, by mail, or by fax.
Get Reimbursed.
We can send a direct deposit or mail a check.

What Does Cat Insurance Cover?


We hear that curiosity kills the cat, but not on our watch! SPOT On Coverage takes care of the cost of accidental injuries like bites, cuts, broken bones, lodged foreign objects and ingested toxins.  


Submit claims to be reimbursed for the cost of vet visits for major and minor illnesses like cancer, upper respiratory infections, worms, and immunodeficiency viruses. SPOT On Coverage also covers the exam fees, which not all insurances do.

Hereditary Conditions

Just like people, cats can inherit conditions and birth defects like heart disease, IVDD, and eye disorders. Our accident and illness coverage helps with the cost of visits to address related problems.

Chronic Issues

Chronic conditions require ongoing care across plan periods, such as diabetes and cancer. With SPOT On Coverage, your cat can still be eligible for coverage even with chronic conditions.

Wait… there’s more!

Alternative Therapies

range of physical and mental conditions in cats. Some popular therapies include:

  • Acupuncture
  • Physiotherapy
  • Chiropractic Care
  • Rehabilitative Therapy
  • Hydrotherapy
  • Low-level laser therapy

SPOT On Coverage can reimburse you for alternative therapies that your cat may need for a covered condition. 

Behavioral Issues

Our accident and illness plans can help cover the cost of veterinary visits for concerning behaviors. You could be reimbursed when you see an approved animal behavior professional for some common conditions in your cat, such as:

  • Anxiety
  • Excessive licking
  • Fur Pulling
  • Destruction of the home
  • Litter box problems
  • Aggression

See How Our Competition Stacks Up

Insurance Plan Coverages
Pet Plan
Healthy Paws
Preventive Care Option (?)
Not included or some inclusions
Not included or some inclusions
Exam Fees (?)
Not included or some inclusions
30-Day Money Back Guarantee (?)
Not included or some inclusions
Therapeutic Diets (?) & Dietary Supplements (?)
Not included or some inclusions
Not included or some inclusions
Microchip (?)
Not included or some inclusions
Not included or some inclusions

*Comparison information is provided using publicly available information as of 8/7/2020 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing

How Much is Cat Insurance?

With our customizable plans, you can adjust the cost of your premium to fit your cat’s needs and your budget. We offer adjustable deductibles, annual limits, and reimbursement amounts. With accident-only coverage, you can get a monthly premium as low as $11/month*

*Based on 5K annual limit, 70% reimbursement rate, and $500 deductible in 33407 for a one year old mixed cat breed. Plan costs vary based on plan type, pet breed, age, and location.


Let's get your
pet covered.


Tell us more so we can fetch
a great plan for you.