Dog Insurance That Grows with Your Pup and Your Senior
Your dog’s needs evolve from one stage of life to the next — from the first vet visits and puppy vaccines to managing senior wellness. That’s why Spot Pet Insurance is designed to grow with your dog, offering flexible coverage for accidents, illnesses, and preventive care that adapts as your dog does.
With customizable plans, no upper age limits, and up to 90% reimbursement on covered costs, Spot helps pet parents feel confident their dog is protected — from puppyhood through their golden years.
Puppy Insurance: Start Early to Help Avoid Gaps
The best time to insure your dog is when they’re young and healthy. Enrolling early helps ensure that future health issues aren’t considered pre-existing conditions and may qualify for coverage later on.
Spot Pet Insurance makes it easy to help protect your new puppy with coverage that starts as early as 8 weeks old. Plans can help cover common puppy concerns like tummy troubles, ear infections, or unexpected accidents. You can also add preventive care options (for an extra cost) to help cover checkups, spaying or neutering, and vaccines.
Starting early means your pup grows up protected — giving you peace of mind from the start.
Adult Dog Insurance: Active Years, Reliable Protection
As your dog grows, so do their adventures — and sometimes their risks. From scraped paws to allergies or sports injuries, Spot’s flexible coverage keeps up with their lifestyle.
Spot Pet Insurance offers:
Customizable plan options: Choose your annual limit, deductible, and reimbursement rate (up to 90%).
Coverage for accidents, illnesses, and hereditary conditions (as long as they aren’t pre-existing).
No network restrictions: Visit any licensed vet or specialist in the U.S. or Canada.
With Spot, you can focus on making memories — and leave the unexpected costs to us.
Senior Dog Insurance: Confident Care in the Golden Years
As dogs age, their health needs can become more complex, but their coverage doesn’t have to. Spot makes caring for older dogs easier with no upper age limits and plans that adapt to changing needs. Coverage can help manage eligible costs for common age-related issues like arthritis, kidney disease, or dental problems.
Whether it’s routine monitoring or treatment for covered illnesses, Spot helps provide dependable support so you can focus on keeping your senior dog comfortable and happy.
How Spot’s Claims Process Keeps Things Simple
When your dog needs care, the last thing you should worry about is paperwork. Spot’s claims process is designed to be quick and stress-free:
Visit any licensed vet — no network restrictions.
Pay your bill at the time of service.
Submit your claim online or through the Spot app in just 30 seconds.
Get reimbursed fast — most claims are processed and paid within 48 hours.
It’s pet insurance that fits into your life — not the other way around.
What Spot Pet Insurance Helps Cover
Spot’s plans are built to help cover the unexpected while supporting your dog’s everyday health needs. Coverage can include:
Emergency surgeries, diagnostics, and medications for covered conditions
Alternative therapies like acupuncture or rehabilitation (for covered conditions)
Hospitalization and specialist visits
Preventive care add-ons (for an extra cost) to help cover vaccines, annual exams, and dental cleanings
Spot also offers coverage for curable pre-existing conditions once your pet has been symptom- and treatment-free for 180 days (excluding knee and ligament conditions).
FAQs
When should I enroll my dog in pet insurance? The earlier, the better. Enrolling when your dog is young and healthy helps ensure new health issues aren’t considered pre-existing and can qualify for coverage.
Does Spot Pet Insurance have an upper age limit? No. Spot has no upper age limits — dogs 8 weeks and older can enroll and stay protected as they age.
Can I visit any vet with Spot Pet Insurance? Yes. Spot gives you the freedom to visit any licensed vet in the U.S. or Canada, including specialists and emergency clinics.
How much can I get reimbursed? Spot reimburses up to 90% of covered vet costs after your deductible, depending on your plan choices.
Are pre-existing conditions covered? Pre-existing conditions aren’t covered, but if a condition is curable and your dog has been symptom- and treatment-free for 180 days, it may be eligible for coverage again (excluding knee and ligament conditions).
How fast are claims processed? Most Spot claims are processed within 48 hours, with reimbursement via direct deposit for quick and easy access.
Key Takeaway
From playful puppies to wise seniors, your dog deserves protection that grows with them. With Spot Pet Insurance, you can build a plan that fits your dog’s needs and your budget — no matter their age.
Enjoy customizable coverage, no network restrictions, up to 90% reimbursement, and no upper age limits — all supported by a simple, fast claims process.
Because every stage of your dog’s life matters — and Spot is here to help protect them, from their first wag to their golden years.
Mostly a tech person, always a pet person. I am dedicated to improving the lives of pets and their humans with technology. Off-duty, I enjoy writing about the misbehaving of computer programs and my two Aussiedoodles, Calvin and Hobbes.
