Dog Insurance Plans as Low as $16/month¹

Dig into the benefits of pet insurance for dogs with plans provided by Spot.

  • Visit Any Vet in the U.S. or Canada
  • Microchip implantation coverage
  • No per incident or lifetime cap

How Dog Insurance Works With Plans Offered by Spot


Visit Any Licensed Vet

Get vet treatment in the US or Canada.


Submit Your Claim

Send us your bill online, in our app, or via fax.


Get Cash Back

Get paid back for eligible vet bills for covered conditions.

Plan and Coverage Options

Accident & Illness Plans for Puppies & Dogs

What do the Accident & Illness plans for puppies and dogs cover?

  • Chemotherapy for cancer
  • Radiation for cancer
  • Behavioral problems

What don’t Accident & Illness plans for puppies and dogs cover?

View All Exclusions

Accident Only Plans for Puppies & Dogs

What do the Accident Only plans for puppies and dogs cover?

  • Microchip implantation
  • MRI or CT scans and x-rays prescribed for covered accidents
  • Certain eligible end-of-life expenses

What don’t the Accident Only plans for puppies and dogs cover?

View All Exclusions

Add-on Preventive Care Coverage Options for Puppies & Dogs

Maximum Annual Benefits
Dental Cleaning
Wellness Exam
Dog DHLPP or Cat FVRCP Vaccine / Titer
Fecal Test
Dog Heartworm or Cat FELV Test
Rabies and/or Dog Lyme or Cat FIP Vaccine / Titer
Total Annual Benefit
Hypothetical reimbursement example

Milo swallowed his favorite soft chew toy and needed immediate vet care. Milo is priceless, but his vet bill that is eligible for coverage has a price tag of: $1,200.

Does Milo have pet insurance coverage?

For a plan with a 90% reimbursement rate:

Your net payment: $120

Amount a Spot Accident & Illness dog insurance plan would pay back: $1,080


You pay: $1,200

Yeah, all of it :(

Insured vs. Not Insured

Pet Insurance Helps Make the Impawsible, Pawsible

Get a free quote in 30 Seconds

Customize Your Puppy & Dog Insurance Plan Options


Happy Pet Parents Trust Spot

Rated 4.2 / 5 based on 1,437 reviews

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 paw-rents 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 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.

Questions? Let Us Dig Up An Answer.

Our helpful team is just one phone paw away.

Phone: 1.800.905.1595

Mon – Fr | 8am – 8pm EST

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.

More of a Cat Person?

We offer pet insurance plans for kittens and cats too!

Pet Insurance for Cats