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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 4,676 reviews
Spot has been a good insurance company…
Spot has been a good insurance company to work with. They make the claims process easy and explain what is covered and what is not on each payment. Everything is laid out clearly so we know what we will be paying.
I really don’t have much to say as I’ve…
I really don’t have much to say as I’ve only used it once, but it was a very smooth process.
Staff was very helpful in assisting to file my claim.
Staff was very helpful in assisting to navigate the website to file the claim. Staff was very friendly and helpful. Staff was very knowledgeable about the claim process and how to navigate the site.
Wonderful pet insurance
Wonderful pet insurance! They process claims quickly and fairly. I’ve had no issues with them so far for both of my pets for the past year we’ve had insurance.
I 100% love spot pet insurance
I 100% love spot pet insurance. they have been a life saver when it comes to my dogs bills and needs
Claims were easy
Claims were easy, no hassle and settled quickly. Well done!!
Easy access to claim process and easy…
Easy access to claim process and easy to file a claim. Very good communication from company regarding status of claim(s) and completion of claim.
Great customer service
Great customer service, and a professional staff. I asked the insurance agent about a insurance policy for my pet. She explained to me and ensured I understood everything about the policy I chose for my pet. The agent also explained the procedures to file a claim for reimbursement of funds for certain medical treatment for my pet. Spot insurance is reliable, affordable, and available to assist you with any questions you may have regarding my policy or a claim.
Hassle free
I’ve have to submit 2 different claims and each time it was easy, hassle free and quick! This company is such a pleasure to work with, even when I’ve needed to call! Highly recommend!
Easy to use interface on the mobile App
Easy to use interface on the mobile App
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.