Sources And Citations


1 Plan costs vary based on plan type, pet breed, age, and location. Prices are rounded up to the nearest whole USD.

2 Comparison information is provided using publicly available information as of 10/18/2022 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 is 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 the 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

3 Based on internal claims data for plans provided by Spot from April 1, 2022 to September 30, 2022. The statistics apply to claims that were eligible for reimbursement only. This does not guarantee coverage. Individual results may vary based on the terms of your policy, and statistics may change during different time periods. Spot Insurance Services, LLC. as an insurance agency does not cover, reimburse, or administer claims.

4, “Best Pet Insurance Companies of 2022.”, September 2022. Spot was ranked "Best Pet Insurance of 2022." These provide substantiation for messages citing Spot Pet Insurance as #1 Ranked Pet Insurance, Best Pet Insurance.

5 Hypothetical reimbursement example illustrates reimbursement of an eligible vet bill at a 90% reimbursement rate, assuming that the annual deductible has already been met and the annual limit has not yet been satisfied.

6 Paid endorsement. Claim example illustrates eligible vet bills reimbursed at a 90% reimbursement rate. The annual deductible had already been satisfied, and the annual limit had not been met. Coverage varies based on plan options. Covered condition was emergency surgery for a toothpick stuck in Stone s large intestine.

Individual reimbursement results and coverage varies based on policy options. Reimbursement example assumes that annual limit has not yet been met.

Facts about Pet Insurance

Based on January 2017-2019 average claim price data for dogs & cats nationwide from C&F Insurance Agency, Inc. Sample provided to illustrate 90% reimbursement of the covered vet bill assuming standard $250 annual deductible has already been met.

Less than 1% of American dogs and cats are insured.

Dogs run hotter than humans .. their average temperature is between 101 and 102F

There are an estimated 80 million dogs in the USA, over 80% of which are spayed or neutered.

94.2 million is the total number of cats owned in the U.S.

89.7 million is the total number of dogs owned in the U.S.

CCL (cranial cruciate ligament rupture, dog’s ACL -tear or sprain of the anterior cruciate ligament-) TOTAL VET BILL $5,524.20

Intestinal Foreign Object TOTAL VET BILL $3,910.08

IVDD (intervertebral disk disease) TOTAL VET BILL $6,815.85

Diabetes TOTAL VET BILL $1,116.81

Did you know, in 1982, the famous TV dog Lassie received the first pet insurance policy in the United States

A pet receives emergency medical care  every 2 ½ seconds.

Every 6 seconds a pet parent is faced with a vet bill for more than $1,000

1 in 3 pets need emergency veterinary treatment every year.

1 in 3 dogs get cancer. Treatment can cost well over $10,000 and as much as $20,000

Why do cats meow?

To initiate play, petting, or to get you to talk to them.

Why do dogs lick people?

It’s a sign of affection. Relieves stress. You just taste good.

Why do cats purr?

To show contentment or as a mechanism that helps them rest and repair.

Why do dogs pant?

It’s their way of cooling down when they are overheated. It’s also an important way  for them to oxygenate their blood.

Why do cats like boxes?

Because they like to hide and it gives them a cozy, safe and secure place to sleep.

Why do dogs howl?

To attract attention, to make contact with others and to announce their presence.

Over 50% of policy holders file a claim each year.

75% of pet owners make a claim during the first three years after enrollment.

35% of all pet insurance claims are for chronic conditions.

The most expensive health issue is heart disease, which can exceed $20,000.

A dog has 42 teeth requiring specific care

21% of pet owners spend over $5000 for emergency surgery on their pet.

Obesity is the number one health problem for dogs

Dogs under the age of one are 2.5x more likely to have an unexpected visit to the vet.

The average vet bill for a cat is more than $500 and more than $700 for a dog.

Treating stomach conditions (the most common serious illness for dogs and cats) can cost up to $6,500

2.82 million pets were insured at the end of 2019

Only 10% of the animals received by shelters have been spayed or nuetered

Approx. 25% of dog visits to the veterinarian are for problems with their skin or coat

Mixed breed dogs are the most insured pets in the US

45% of veterinarian-recommended treatment is restricted by cost

91% of U.S. pet owners consider their pets to be family members and 81% consider their pets as equal members of the family

Up to 10,000 cats and dogs die each year from exposure to Antifreeze

The average cost of hip replacement ranges from $5,600 to $6,000 for dogs

Dog Owners Rush to Get Pet Insurance with News of Coronavirus Outbreaks

63.4 million US households have a dog

The average number of visits to the vet per year is 2.7 for dog owners and 2.2 for cat owners

$4300 annual cost of having a dog

1.6 million dogs are adopted from shelters

Pet Owners spend $9,000 – $13,000 for medical treatments over their pets’ lifetime

Cats have 24 more bones in their body than humans (230 vs 206)

Did you know, even though US shelters take in more dogs than cats on average, two cats are euthanized for every dog.

Research shows that gingivitis, a bacterial infection, can lead to severe pain, bleeding, tooth loss and bone loss 

Only 15% of insured pets are cats.

A pet receives emergency medical care every 2 ½ seconds in the U.S. 

35% of all pet insurance claims are for chronic conditions

50% of policyholders file a claim each year

2,517,122 million insured pets were reported in the US at the end of 2019

Over half of all cats and dogs are overweight

Pit Bulls make up the largest percentage of dogs in shelters across the U.S

Dark-colored dogs are more susceptible to heatstroke than light-colored dogs

Siamese cats are one of the oldest breeds of domesticated cats

The 2016 State of Pet Health Report shows an upward trend in the prevalence of the disease, rising nearly 80% in dogs and 18% in cats over a 10-year period.