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Top-Ranked Pet Health Insurance Plans for Dogs
Spot pet insurance offers affordable and comprehensive dog insurance plans that cover your dog from head-to-tail,
providing everything necessary to help you ensure they receive the best care.
When they’re sick
Get pet insurance for dogs, including coverage for diagnostics, treatments, and prescription medication for covered conditions.
When they’re hurt
Spot plans cover emergency care, surgery, and rehab for dogs injured in unexpected accidents, helping ensure their health.
When they’re healthy
Keep up with routine wellness exams, vaccines, and more with optional Preventive Care benefits you can add to your plan.
What Do Spot Dog Insurance Plans Cover?
Spot offers two main plans: Accident & Illness and Accident Only. You can add an optional Preventive Care plan as well.
Preventive Care for Your Dog
Regular veterinary check-ups included in preventive care plans can help with the early detection of potential health issues in dogs. Timely identification enables prompt intervention and can lead to more effective and less costly treatments in the future.
Early Detection
Early identification can help with potential health issues, which can lead to prompt intervention and improved treatment outcomes.
Disease Prevention
Vaccinations and preventive measures can protect dogs from common and serious diseases, helping ensure their overall well-being.
Cost Savings
Proactive care can help prevent costly treatments by addressing health concerns before they escalate, potentially saving both money and suffering.
Long-Term Health
Regular check-ups, vaccinations, nutrition, dental care, and preventive medications can contribute to a dog's overall health, longevity, and higher quality of life.
Behavioral Well-Being
Preventive care can support behavioral health, helping address issues early and fostering a harmonious relationship between dogs and their owners.
Peace of Mind
Knowing that a dog can receive regular preventive care helps provide owners with peace of mind that they are actively contributing to their dog's health.
Dog insurance that’s easy!
Spot makes it simple for pet parents to submit a dog insurance claim and receive reimbursement for eligible services in just a few days.
Visit Any Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
Submit Your Claim
Send us your bill online, in our app, or via fax.
Get Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
Happy Pet Parents Trust Spot
Rated 4.7 / 5 based on 4,697 reviews
When I make a claim it is easy and fast.
When I make a claim it is easy and fast.
It was simple to send in my claim and…
It was simple to send in my claim and my reimbursement should be all set by tomorrow
Fast service
Spot is very fast with claim processing.
Glad I have insurance.
Im sad to have to use/need the insurance. Quick reimbursement. Easy to submit through the app. But so glad I have it.
Good service
Good insurance. Quick response. Glad I got it
So far all has been great
So far all has been great. No issues inputting request for reimbursement and has been completed promptly.
Happy pet, happy family!
First the information in all your ads were not only attractive/but tackled the foremost questions a person considers when looking for coverage for their pet. Paper work is very simple add and refunds handled with lightning speed.😉
Outstanding Experience!
We have had a great experience with Spot pet insurance. The only issue we ran into was I downloaded the PDF and emailed my claim. if you do this the email can get lost in the clutter. Once we completed the form online or the App I have heard, our claim was pushed through within days. If you love your pet and are concerned about the high cost of veterinary care, I highly recommend this company.
It was super fast and easy!!
It was super fast and easy!!! It covered everything it said it did.
Easy and fast reimbursment/claims…
Easy and fast reimbursment/claims process
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
How are My Pet Insurance Premiums Calculated?
In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible.
What is a Pre-Existing Condition?
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.
Plans provided by Spot do not cover pre-existing conditions. However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
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.
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.