Best Pet Insurance for Dogs & Cats
America's Most Loved Pet Insurance
- Get up to 90% cash back on covered vet bills
- Visit any licensed vet in the U.S. or Canada
- 24/7 pet telehealth helpline
Recognized by Pet Experts. Trusted by Pet Parents.
Spot plans help cover your pet from head-to-tail.
Illness
Best coverageDiagnostics, treatments, and medications for illnesses.
- Skin, eye, & ear infections
- Cancer & growths
- Behavioral issues
- Hereditary conditions
- Dental illnesses
- and much more
Accident
Most affordableEmergency care, surgery, and rehab for unexpected accidents.
- Vet exam fees & lab tests
- MRIs, CT Scans & X-rays
- Surgery & hospitalization
- IV fluids & medications
- Medical supplies
- and much more
Wellness
Optional add-onCash back for wellness exams, vaccines, and routine care.
- Wellness exams
- Spay & neuter
- Dental cleaning
- Flea & heartworm prevention
- Vaccinations
- and much more
Swipe to see more
How does pet insurance work?
Sample Vet Bill1
Cancer (Osteosarcoma)
Pet Name:
Neapolitan
Breed:
Giant Mix Dog
Radiation Treatment
$11,250
Zolendronic Acid Injection
$475
Chemotherapy Session
$440
Catheter
$75
Professional Services
$75
Chemotherapy Supplies
$30
Total vet bill
$12,345
Spot plan reimbursed
$11,110
No network restrictions
Visit any licensed vet
You choose your own vet in US or CAN.
Easy claim process
Send us your bill
Submit your claim online in 30 sec.
Fast & convenient payout
Get up to 90% reimbursed
Claims reimbursed in 48 hrs or less.
What plans do you offer?
Spot’s plans can help cover what other providers don’t.
Don't settle for anything less than the best.
Spot’s plans can help cover what other providers don’t.
Dental illnesses2
Extractions, gingivitis, periodontal diseases, gum disease, and broken, chipped and fractured teeth.
Breed-specific, chronic & hereditary conditions2
Allergies, arthritis, cataracts, diabetes, seizures, hip dysplasia, hyperthyroidism and more.
Prescription foods3
Special diets, supplements, and medications.
24/7 pet health helpline
Access to a helpline for pet health, behavior, and wellness questions.
Behavioral modification
Treatment of anxiety, aggression, and other behavioral conditions.
Microchip implantation
Coverage for microchipping to help reunite lost pets with their parents.
Enjoy more perks with fewer restrictions.
Compare insurance providersHow do we compare?4
Most providers
For a list of exclusions, please refer to a sample policy
Get access to $2,500+ in discounts on your favorite pet brands(6)
DNA TEST
$20 off pet DNA test kit
MEMBERSHIP
$50 Off Litter-Robot 4
PET SITTING
$20 off first-time pet sitting
ENTERTAINMENT
35% off annual subscription
CAT FOOD
20% off your first three orders
PET CAMERA
$55 off Furbo pet cam
GPS COLLAR
$50 off 6 Month Membership
SMART COLLAR
20% off membership
No purchase necessary. See spotpet.com/perks-terms
Happy Pet Parents Trust Spot
Easy Filing
the filing was easy in my opinion even though I didn't have my records for my pet, Spot was able to get them from from Vet and fulfill my claim and next thing I know I got a confirmation that a check was in the mail
Made my first claim
Made my first claim. It was processed in notice! Very pleased
You guys did as you say
You guys did as you say. You don’t say one thing and do the exact opposite
The team is very helpful and quick to…
The team is very helpful and quick to respond any of my questions.
Compassionate caring and efficient
When my animals passed away, they were very good about sending me a card, a message, and a phone call. On sending me sympathy message. which was very nice I had to file a couple of claims. They were very efficient getting them completed. I have renewed my policy with them due to the easy to work with them and affordable rates
Fast response time easy to send a claim…
Fast response time easy to send a claim good customer response if you have a question
We’ve been nothing but impressed with…
We’ve been nothing but impressed with Spot Pet Insurance. Sadly, with the loss of our puppy, we aren’t needing to use your services anymore after this last submission. But I have to say I was so impressed that somebody actually reached out from your company to call and share their condolences for the loss of our little guy, especially such a puppy so young. That touched us more than you know and the message brought to your Store eyes were quite happy with you and not that I’m ever ready to get a pet again, but if I do, you’ll be the first people I call! Everything has always been handled in a timely manner and for that we appreciate it and we appreciate you!
Quick and affordable
Quick and affordable
The process to complete my claim was…
The process to complete my claim was excellent
It’s very easy to submit a claim
It’s very easy to submit a claim. And the money is deposited directly into my bank account
What is Pet Insurance?
Just like people, pets don't plan to get sick or injured. Pet insurance may help cover a portion of their medical bills depending on your policy. Illnesses or broken bones can be distressing, and pet insurance helps you be prepared for unexpected health issues in your pets. While the love of your cats and dogs is invaluable, vet visits can be costly. Pet insurance can help make these expenses more manageable.
Why is Having Pet Insurance Important?
Do animals need insurance? While it may not seem like a necessity for every pet owner,pet insurance for dogs and pet insurance for cats can be invaluable to pet owners looking for financial help with eligible vet expenses. Similar to car insurance and renter's insurance, pet insurance can play a crucial role in helping protect against the unexpected. As a pet owner, you can never predict when your furry friend might face an illness or accident. Veterinary bills can add up quickly, much like the costs associated with car repairs after an accident or replacing personal belongings after a break-in. Insurance can provide a safety net, helping ensure that you're financially prepared to handle unexpected veterinary expenses. By having insurance, you're making a proactive choice to help safeguard your pet's health and your own peace of mind.
Should I Get Pet Insurance?
Deciding whether to purchase pet insurance for your pet is a personal choice that can depend on various factors. While it's not obligatory, pet insurance can help provide financial protection in case of unexpected veterinary expenses. Factors to consider may include your pet's breed, health history, and lifestyle, as well as your own financial situation and ability to handle unforeseen veterinary bills.
Pet Insurance Plans with Emergency Coverage
At Spot Pet Insurance, we know that emergencies can happen when you least expect them. Whether it's a sudden illness, an accidental injury, or your pet ingesting something harmful, these situations can be stressful and costly. Our pet emergency insurance is designed to help give you peace of mind, covering unexpected eligible veterinary bills so you can focus on getting your furry friend the care they need.
Dog Dental Insurance and Cat Dental Insurance
Among the most useful aspects of insurance for pets, dental issues are among the most common conditions pets can experience. Dental issues can affect dogs and cats. That's why we offer accident and illness plans with dental coverage available for dogs and cats, designed to help cover a range of eligible dental illnesses and treatments.
What is Accident Coverage for Pets?
If there is one thing that someone is thinking of when it comes to dog health insurance and cat health insurance, it is protection against unexpected accidents. Whether it's a playful romp gone awry or a mischievous exploration leading to trouble, dogs and cats can find themselves in unexpected situations. For dogs, common accidents may include fractures from falls or collisions, ingestions of harmful substances, and lacerations from sharp objects. Cats, on the other hand, may experience injuries from high jumps or encounters with other animals, as well as ingestions of toxic plants or objects. Pet accident insurance can help cover the eligible costs incurred at a veterinary office due to unexpected accidents.
What is Illness Coverage for Pets?
One of the most important aspects of insurance for pets is protection against unexpected illness. Dogs and cats alike can face a variety of common illnesses that may require veterinary attention. For dogs, these can include skin conditions such as allergies or infections, ear infections, gastrointestinal issues like vomiting or diarrhea, respiratory infections like kennel cough, and chronic diseases such as diabetes or arthritis. Cats are also prone to several common illnesses, including urinary tract infections, dental disease, upper respiratory infections, digestive problems like vomiting or diarrhea, and chronic conditions like hyperthyroidism or kidney disease.
Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada
1)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.
(2)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.
Frequently Asked Questions
Have questions about pet insurance and how it works? Don't worry, we've got you covered.
How does pet insurance work?
What can pet insurance cover?
What are the different types of pet insurance?
Is pet insurance worth it?
How much is pet insurance?
What is a pre-existing condition?
Does pet insurance cover pre-existing conditions?
What is a waiting period for pet insurance?
At what age should I get insurance for my dog or cat?
Do all vets take pet insurance?
Do Spot's plans provide a money-back guarantee?
* Advertised premium is from Dec. 11 2024 based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) dog in 32009. Premiums may vary due to plan options such as annual limit, co-insurance, and deductible, as well as your pet’s breed, age, and location. Quotes at purchase will reflect these factors and your specific selections. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
** No purchase necessary. Based on total combined Spot Perks discounts applied to avg. vendor cart value. spotpet.com/perks-terms
+ Based on admin data from 2019 to 2024. Actual reimbursement amounts may vary depending on plan type and options, including annual limit, co-insurance, and annual deductible, as well as the specifics of the claim and your policy terms.
1 Claim reimbursement is based on actual policyholder claims from 2023. Claim example illustrates reimbursement based on an accident and illness policy at $75.01/month with a $500 deductible, 90% reimbursement, and unlimited annual benefit for a 1-year-old giant mix dog. Individual reimbursement amounts may vary depending on the specific terms of the policy, including coverage selected, annual deductible, reimbursement rate, and annual limit. Individual experiences and outcomes may vary.
2 Only covered with an accident and illness plan. Pre-existing conditions are not covered.
3 Prescription food & supplements are covered if they are prescribed to treat an eligible accident or illness. Prescription food & supplements are not covered if they are used for weight management or general health maintenance.
4 Comparison information is provided using publicly available information as of 3/2/2024 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 marketing@spotpet.com.
5 Available if no claims have been filed. There is a 15-day money back guarantee in ME, LA and WA. Not available in NY.
6 No purchase necessary. Based on total combined Spot Perks discounts applied to avg. vendor cart value. spotpet.com/perks-terms
7 Visa gift card terms and eligibility apply, not available in AK, GA, KY, MD, NE, NH, RI, SC, TX, VA. See spotpet.com/visa-terms
7 Sam’s gift card terms and eligibility apply, not available in AK, KY, RI, TX, VA. See spotpet.com/sams-gc-terms