Spot Pet Insurance

The Best Puppy Insurance Ever

  • Up to 90% Cash Back on Vet Bills

  • Visit Any Vet in the U.S. or Canada

  • 24/7 Pet Telehealth Helpline

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With Spot Puppy Insurance, You're Covered from Head to Tail

Accident & Illness

Puppy insurance for accidents & illnesses offers you and your pet essential support when your furry companion faces health challenges and injuries.

Accidents Only

From playful tumbles to unforeseen injuries, puppy insurance ensures your pup receives the necessary medical care without breaking the bank.

Preventive Care

Covering routine check-ups, vaccinations, and preventive treatments, this puppy insurance add-on option promotes a long and healthy life for your pup.

Puppy owners spend on average $1,500 a year on vet care alone!1

From routine check-ups to unexpected emergencies, vet bills can pile up quickly as your puppy grows. A Spot Puppy Insurance plan can help you by covering up to a whopping 90% of vet bills. The best part? You can provide your pet with top-notch care and save a bundle throughout their lifetime!

Spot Puppy Plans are Easy to Use!


Visit Any Vet

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


Submit Your Claim

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


Get Paid!

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

Keep your puppy happy and healthy!

The first year of puppyhood is filled with tons of joy. It’s also filled with routine check-ups to ensure your puppy is healthy. Spot puppy insurance plan offers optional preventive care you can add to your plan to get money back for puppy vaccines, spaying or neutering, dental cleaning, wellness visits, and more.

Spaying or Neutering
Spaying or neutering your puppy can decrease their risk for breast or testicular cancer later in life.

Dental Cleaning
80-90% of dogs aged three or older have dental disease. Don’t let your puppy join the pack!

Keeping your puppy up-to-date on vaccines can protect them from preventable diseases.

Sit happens. Emergencies are unpredictable. Your costs don't have to be. Rocky's emergency vet visit for swallowing a sock: $1200. You pay $120 with a Spot plan. You pay $1200 without pet insurance.

>>Explore Puppy Insurance By Breed<<

Learn about your puppy’s characteristics, personality, and more today!

Golden Retriever

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French Bulldog

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German Shepard

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Frequently Asked Questions

How Does Pet Insurance Work?

Once you have your custom pet insurance policy and have paid your premium on a monthly or annual schedule, you carry on as usual!

When you need to visit the vet for a covered condition, you can submit a claim for reimbursement of the eligible expenses.


Your annual deductible amount applies during each policy period. You must satisfy your annual deductible before your reimbursements start. 


You get to select your reimbursement percentage when you enroll in a plan provided by Spot. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select.


This is the amount you pay for pet insurance.FETCH A FREE QUOTE to see your premium today.


There is a 14-day waiting period for coverage. The waiting period begins on the first effective date of the applicable coverage. Any condition that occurs during an applicable waiting period is a pre-existing condition and is not eligible for coverage.

There is no waiting period for preventive care coverage if you choose to add it to your plan. Find more information on preventative care coverage here.


Illness, disease, injury, or change to your pet’s health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition.  Pet Insurance plans provided by Spot do not cover pre-existing conditions.

Visit our dog insurance and cat insurance pages for more information about plans.

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.

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.

How Do I File a Claim?

Click the Claims icon and follow the simple instructions. Don’t forget to take a picture of your invoice and upload it to complete the claim submission.

Can I get a plan than starts coverage immediately?

Most insurance policies will have a waiting period before you can start receiving reimbursements on eligible vet bills. Spot plans have a waiting period of 14 days for accidents and illnesses. If you decide to purchase a preventive care coverage option, you are eligible for next day coverage.