Top-Ranked Puppy Insurance Plans
Spot pet insurance offers affordable and comprehensive puppy insurance plans that cover your puppy from head-to-tail,
providing everything necessary to help you ensure they receive the best care.
When they’re sick
Get pet insurance for puppies 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 Puppy Insurance Plans Cover?
Spot offers two main plans: Accident & Illness and Accident Only. You can add an optional Preventive Care plan as well.
Vet Exam Fees
Microchip Implantation
Behavioral Issues
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Dental 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
Cancer & Growths
Infectious diseases & diseases from parasites
Orthopedic
Swallowed Objects & Toxins
Diagnostics & Treatments
Prescription Medications
Surgery & Specialized Care
Advanced Care
Virtual Vet Visits
Alternative Therapies (e.g. Acupuncture)
Preventive Care for Puppies
Preventive Care is especially important during the first year of your puppy's life to help ensure they have
all of the core vaccinations and the opportunity to detect health issues in their early stages.
Spaying or Neutering
Enhance your puppie's protection with the Platinum Preventative Add-on, offering additional coverage for essential services
at a cost-effective rate
Dental Teeth Cleaning
Explore Spot's puppy insurance plans with dental cleaning coverage included in preventative care options, ensuring your furry friend's health at an affordable additional cost
Wellness Exams
Coverage for routine exams and screenings are included in our preventative care coverage, helping provide your vet with the opportunity to detect health issues in their early stages
Puppy insurance that’s easy!
Spot makes it simple for pet parents to submit a puppy 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.
Explore Puppy Insurance by Breed
Learn about your puppy’s characteristics, personality, and more today!
Happy Pet Parents Trust Spot
Rated 4.7 / 5 based on 4,721 reviews
Prompt Claims Review
We submitted bills for routine wellness services and were mildly perturbed to receive an emailed form letter requesting our dog's complete health history. That seemed unnecessary as none of the charges submitted for reimbursement pertained to anything suggesting treatment of a preexisting condition or other uncovered service. A day later, and before we replied to the request for records, we received an email informing us that our claim had been approved in full. We will provide the requested records because Spot is certainly entitled to them, but it was very reassuring to learn that that claims aren't being routinely delayed for pre-textual reasons. The quick turnaround of our claim demonstrated that reasonable people are reviewing claims and making intelligent decisions about what is and isn't relevant to approval. The explanation of benefits was promptly received, clear and concise. (Praise not heaped on most human health insurers). We hope our beloved companion never suffers a serious injury or illness, but this prompt, efficient, and properly documented claims experience has boosted our confidence that Spot Pet Insurance will promptly provide the promised financial assistance should it ever be needed.
Easy
Easy, clear coverage, simple process and fast payment.
My dog was recently quite sick and the…
My dog was recently quite sick and the cost ended up being over 1k, spot didn’t question it didn’t ask questions they just helped me paid as expected great insurance!
Helpful and Thorough
Helpful and thorough. The process is easy to submit a claim. Anytime I have had to speak to a representative they have been very helpful. They try to do the best for the customer.
Prompt and efficient
Prompt and efficient
Best think I ever got for my fur baby!!
Best think I ever got for my fur baby!!
My first claim
My first claim, and it was so easy to do! Spot was fast and easy to track the process. They make it very simplified and seamless to process the claims and we received our funds that they covered back into our bank account within a week. Thank you Spot for being so efficient :)
Fast payments on claims!!!!
Fast payments on claims!!!!! They covered almost all of our puppies visits
Easy submission and pretty fast…
Easy submission and pretty fast processing.
Very easy to submit the claim and I got…
Very easy to submit the claim and I got paid quickly!
Pet Insurance FAQs
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.
