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.
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?
Pet Insurance Myths: Debunking 5 Common Misconceptions
Pet insurance isn’t just for emergencies, and it doesn’t have to drain your wallet. Despite covering 7.03 million pets in North America as of 2024, according to NAPHIA’s State of the Industry Report¹, only a small fraction of pets are insured — often...
Why Pet Insurance?
Best Pet Insurance in California 2026
California leads the nation in insured pets, with 18.3% of all U.S. pet insurance policies, and has some of the strongest consumer protection legislation in the country through Senate Bill 1217, which took effect January 1, 20251. According to the...
Why Pet Insurance?
How to Choose the Right Accident and Illness Pet Insurance Plan
Choosing the right accident and illness pet insurance plan comes down to five decisions: what the plan helps cover, how large a deductible to choose, what reimbursement rate fits your budget, whether to cap the annual payout, and when to enroll. Each...
Why Pet Insurance?
How Does Pet Insurance Work?
Pet insurance helps reimburse pet parents for covered veterinary expenses from unexpected accidents and illnesses. You pay the vet directly, submit a claim with documentation, and receive reimbursement based on your plan’s terms. Most plans help cover...
Why Pet Insurance?
