Spot Pet Insurance

Best Pet Insurance Plans for Dogs in 2023

Top-Ranked dog insurance plans offered by Spot.

  • No Vet Networks. 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

1

Visit Any Vet

Yep! There are no vet restrictions. Visit any vet in the U.S. or Canada.

2

Submit Your Claim

Submit your claim online or in our app – it’s quick and easy.

3

Get Paid!

Get cash back quickly for covered vet bills either direct deposit or check – your choice.

Plan Options
Spot accident & illness plans cover eligible diagnostics and treatments for costly accidents and illnesses:

Vet Exam Fees

Microchip Implantation

Behavioral Issues

X-rays & Tests

Emergencies & Hospitalizations

Skin, Eye, and Ear Infections

Hereditary Conditions

Dental Illnesses

Digestive Illnesses

Hip Dysplasia

Customize Your Dog & Puppy Insurance Coverage Options

Dog & Puppy Plans

as low as

$16/mo1

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Happy Pet Parents Trust Spot

Rated 4.6 / 5 based on 3,094 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 and Canada.

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 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.

Learn about Cat Insurance

We offer pet insurance plans for cats and kittens too!

Pet Insurance for Cats

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