Why Pet Insurance?
Your pet’s health is important to you and you do everything to keep them safe, but accidents and illnesses happen. That’s where Spot Pet Insurance can help.
Pre-Existing Conditions in Pet Insurance: What You Should Know
A pre-existing condition is any illness, injury, or symptom your pet had before your policy’s start date — or that developed during the waiting period. Most pet insurance policies exclude these conditions from coverage. But that doesn’t mean your pet...
Why Pet Insurance?
How Much Does a Vet Checkup Cost?
Routine vet checkups cost $70–$174 for dogs and $53–$124 for cats, according to CareCredit¹. Costs vary by location, the services included in the visit, and whether additional testing is needed. Dog parents spend an average of $598 per year on...
Why Pet Insurance?
Pet Insurance for Popular Dog Breeds: Golden Retrievers and English Bulldogs
Dog breed significantly shapes what health risks your pet may face — and what pet insurance coverage matters most for protecting them. Golden Retrievers are among the most cancer-prone dog breeds, while English Bulldogs carry a high risk of respiratory...
Why Pet Insurance?
What Pet Insurance Coverage Should You Get for Your First Puppy?
For a first puppy, accident and illness coverage is the most protective option available. It help covers both unexpected injuries and the conditions puppies are actually prone to as they grow — infections, hereditary conditions, digestive emergencies,...
Why Pet Insurance?
Types of Pet Insurance: Accident-Only, Accident & Illness, and Wellness Coverage Explained
Pet insurance policies fall into three main categories: accident-only plans, accident and illness plans, and optional wellness or preventive care add-ons. Each is structured to cover a different scope of veterinary expenses, at a different price point....
Why Pet Insurance?
Accident and Illness Pet Insurance for Dogs: Is It Worth It?
If you’re comparing pet insurance options, you’ve likely noticed that accident and illness plans cost more than accident-only plans. The question is whether that extra premium buys enough protection to justify it — and for most dog parents, the answer...
Why Pet Insurance?
Does Pet Insurance Cover Expensive Vet Bills? What’s Actually Included
Most accident and illness pet insurance plans help cover the treatments that generate the largest bills — surgery, cancer therapy, hospitalization, and diagnostic imaging — for conditions that develop after the policy takes effect. What determines the...
Why Pet Insurance?
Free and Low-Cost Vet Care for Seniors: 2026 Guide
Senior citizens on fixed incomes can sometimes access free and low-cost veterinary care through programs like Meals on Wheels America, The Pet Fund, and RedRover Relief, as well as low-cost clinics through humane societies and veterinary schools....
Why Pet Insurance?
Pet Insurance vs. Wellness Plans: What’s the Difference and Which Should You Get?
Pet insurance and wellness plans aren’t really competing options — they’re designed to cover entirely different categories of veterinary expenses. Pet insurance (specifically accident and illness coverage) helps protect against unpredictable,...
Why Pet Insurance?
