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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 4,687 reviews
The online claim submission process is…
The online claim submission process is generally user-friendly, with most services providing clear instructions and electronic filing options. The ability to submit claims directly through a website or app is a game-changer, saving time and reducing paperwork. AWESOME!!!
Love it!
The app is easy to use! Submitting a claim was so easy and it was processed in less than a week!!!
Quick easy claim process
Quick easy claim process! We went through a really traumatic accident with our puppy and knowing we had Spot insurance gave us peace of mind to say yes to the necessary surgery. I would recommend to everyone to get insurance for your pets!
Claims super easy to submit and get reimbursed
We had to take our 8 month old golden puppy to the emergency vet, she ended up having to stay there over night which was so scary and hard. Spot made it so incredibly easy to submit our claims and we got both our reimbursements within a week. So incredibly thankful it was such an easy process!
Easy claims process
I've had to make a couple claims for one of my kitties and the process has been easy. Claims are reviewed quickly and payment is received (direct deposit) quickly.
Fast
This was the first time I've had to submit a claim and honestly, it was effortless. Claim was reviewed and I received my monies in less than a week. I couldn't be more happy with my experience.
Great Service
Spot has made having 2 dogs that are trouble so much easier and so much more affordable!
Very easy to submit and track claims
Very easy to submit and track claims. Quick processing time
Was explain very well
Was explain very well, very helpful, happy with your service.
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.
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.