Vet Costs

Is Pet Insurance Worth it for A Puppy?

Fact Checked
Key Points
  • Puppies are typically eligible for insurance after they are 8 weeks old
  • Internal claims data shows that the average premium for a dog that is one years old is 48.99†
  • Puppy insurance will not necessarily pay for every vet bill that you encounter.
  • Internal claims data shows that the average premium for a dog that is one years old is 48.99†

There are few things as satisfying as bringing your first puppy home. The bond that begins forming with a new puppy is heartwarming, as they trust and rely on you for care, creating a deep connection. One of the first things that may come to mind when you first bring a puppy home is how expensive some vet bills can get. Pet insurance providers like Spot can help pet owners cover eligible vet expenses when their puppy gets into trouble. Below, we explore more about puppy insurance and why it is worth considering. 

At What Age Should You Get Your Dog Pet Insurance?

Puppies are typically eligible for insurance after they are 8 weeks old. However, we recommend that puppy owners get pet insurance as soon as possible. The faster that pet owners get pet insurance coverage, the sooner they are able to get coverage for unexpected accidents and illnesses that can arise throughout their puppy's lifetime. It is important to realize that most pet insurance policies do not cover pre-existing conditions. Pre-existing conditions are conditions that have been present in the dog before a pet insurance policy was purchased or throughout the waiting period. 

What are Some Benefits of Puppy Insurance?

There are some exciting benefits to puppy insurance. Some of these include the fact that you can be reimbursed for eligible vet expenses related to unexpected accidents or illnesses that have affected your puppy. Another benefit that puppy insurance from Spot offers pet parents is the possibility for customizable coverage. Customizable coverage is an advantage because we understand that no two puppies are the same - and having different levels of care can be a difference maker. 

How Much Does Puppy Insurance Cost?

Internal claims data shows that the average premium for a dog that is one years old is 48.99. The cost of puppy insurance can vary greatly depending on many things. One of the aspects of puppy insurance that influences price the most is the puppy’s age. The older a puppy is, the more likely it is to have a health condition. 

How Do Spot Plans Compare? 

Spot Pet Insurance is proud to offer pet parents customizable pet insurance coverage for dogs, cats, puppies, and kittens. You can take a look at how we compare to Embrace, Trupanion, Pet’s Best, and more. 

Read more: Is pet insurance worth it?

Does Puppy Insurance Pay for Everything?

No, puppy insurance will not necessarily pay for every vet bill that you encounter. However, it can help cover the costs of eligible vet costs relative to what kind of coverage you have chosen. For example, an accident-only plan will only cover eligible expenses related to an unexpected accident, however, if you were to upgrade to an accident and illness plan, you would also be able to get coverage for eligible unexpected illnesses. 

† Jan 2019 to November 2024 administrative claims data. Includes total reimbursement for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.

Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address.

Follow us on Instagram

Follow us everywhere else: