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.

Dig Into the Benefits of SPOT Insurance.



SPOT Dog Insurance

SPOT On Coverage helps you protect your dog in case of accidents, illnesses, and emergencies. SPOT plans also help pay for exam fees on covered conditions and offers preventative care packages.*

With SPOT, your dog gets:


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

How It Works

The only pet insurance recommended by dog behaviorist, Cesar Millan


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 Dog Insurance Cover?


SPOT On Coverage helps with the cost of injuries and emergencies if your dog gets in an accident. Accident injuries include bites, cuts, broken bones, lodged foreign objects, and toxin ingestion. 


Sick day? SPOT On Coverage reimburses you when your pup needs to see the vet for thyroid diseases, digestive problems, UTIs, cancer, and other illnesses. We help cover exam fees, too.

Hereditary Conditions

SPOT recognizes that dogs, like people, can inherit conditions like heart disease, eye disorders and hip dysplasia. We help with the bill when these conditions arise, too (just no pre-existing condition coverage).

Chronic Issues

A chronic condition requires care across multiple plan periods, and we cover those, too! If your pup has diabetes, arthritis or other reoccurring issues, we help you cover the bills that make them more comfortable.

there’s more!

Alternative Therapies

There are all sorts of alternative therapies now We take a holistic approach to health, and to dog health insurance. If your pup needs to see a licensed alternative therapy specialist for a covered condition, SPOT On Coverage can reimburse you. Common alternative therapies include:

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

Behavioral Issues

We know that good training and having a trusting relationship is important for a dog’s health. Our accident and illness plans can help cover the cost of veterinary visits for concerning behaviors. Submit claims when you see an approved animal behaviorist for issues like:

  • Anxiety
  • Excessive licking
  • Destruction of the home
  • Fur pulling
  • Aggression
  • Other compulsive behaviors

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 Dog Insurance?

SPOT has customizable coverage that gives you a say in your coverage cost. By choosing your deductible, annual spend limit, and reimbursement percent, you can build a premium that covers your pup’s specific needs and fits your pocketbook. With accident-only coverage, you can get a monthly premium as low as $15/month.**

**Based on 5K annual limit, 70% reimbursement rate, and $500 deductible in 33407 for a one year old mixed 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.