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Industry Leading Cat Health Insurance
Spot Pet Insurance offers affordable and comprehensive cat insurance plan options that can cover your cat from head to tail, providing everything necessary to help you ensure they can receive the best care.
Multi-Pet Discount
With a 10% discount for every pet after the first, Spot’s multi-pet discount can help lower the cost of pet insurance premiums for pet parents with multiple pets, helping make comprehensive care for all your felines more affordable.
Dental Coverage
Spot's comprehensive accident & illness plan can help cover the eligible costs of treatment for dental illnesses and extractions. With an optional preventative care add-on, pet parents can also get cash back on routine dental cleanings and other routine care services.
Pet Insurance for Older Cats
Spot plans can help make the veterinary care your senior cat needs to manage age-related conditions more affordable. With up to 90% cash back on eligible veterinary expenses, you can worry less about the financial burden of vet bills.
What Do Spot Cat Insurance Plans Cover?
Spot offers two main plans: Accident & Illness and Accident Only. You can add an optional Preventive Care plan as well.
Vet Exam Fees
Microchip Implantation
Behavioral Issues
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Dental Illnesses
Vet Exam Fees
Microchip Implantation
Behavioral Issues
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Dental Illnesses
Digestive Illnesses
Hip Dysplasia
Cancer & Growths
Infectious diseases & diseases from parasites
Orthopedic
Swallowed Objects & Toxins
Diagnostics & Treatments
Prescription Medications
Surgery & Specialized Care
Advanced Care
Virtual Vet Visits
Alternative Therapies (e.g. Acupuncture)
What is Accident Pet Insurance for Cats?
An accident-only plan can help cover the eligible costs of treatment for unexpected injuries resulting from unexpected accidents. Pet parents can get up to 90% cash back on eligible costs which can include costs of surgery, hospitalization, prescription medications, and more. Accident-only coverage can help ensure pets can get the care they need after an accident.
What is Illness Coverage for Cats?
Spot’s accident and illness plan can help cat parents get up to 90% cash back on eligible treatment costs for common feline illnesses like urinary tract infections, diabetes, kidney disease, respiratory infections, and more. Spot plans can help relieve the financial strain caused by unexpected vet bills so pet parents can focus on caring for their pets as they recover.
Most Common Cat Health Conditions
In this chart, you can see what the most common cat health conditions are based on internal data.
*Jan 2019 to May 2024 administrator claims data
Cat Preventive Care Coverage
Preventative care coverage for cats can offer significant advantages, including the opportunity for early disease detection and prevention through regular check-ups, vaccinations, and screenings. This proactive approach can help save you money in the long run by potentially catching health problems before they escalate. By adding a preventative care add-on, pet parents can help support their cat's physical health and behavioral well-being.
Early Diagnosis
Detecting issues early can aid in addressing potential health concerns promptly, potentially enhancing treatment outcomes.
Preventative Care
Vaccinations and preventive measures can help safeguard pets against common diseases, promoting their overall well-being.
Financial Savings
Spot’s preventative care add-ons can help address health issues before they worsen, helping you save money in the long-run.
Cat insurance that’s easy!
Spot makes it simple for pet parents to submit a claim and receive reimbursement for eligible services in just a few days.
Visit Any Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
Submit Your Claim
Send us your bill online, in our app, or via fax.
Get Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
Happy Pet Parents Trust Spot
Fast Claim Settlement
Submitted claim online which was very easy. Notified claim was paid with a week. Outstanding! No questions asked.
Always a good experience
Always a good experience
The claims process is simple
The claims process is simple and reimbursement is timely! I would 100% recommend this pet insurance!
Super fast claims
Super fast claims. Simple from start to finish. And they cover a lot for not an extreme amount monthly. Definitely recommend
So far so good
So far so good. They reimbursed everything I submit within a week. I haven’t had any problems yet so I renewed for another year.
Easy Peasy
The app made it so easy to submit and track on my claim. Reimbursement was received in a timely manner.
They were there for us when we needed…
They were there for us when we needed it.
Great insurance!
I recently filed a claim for a non-cancerous tumor for my dog. It was easy to file and attach documents through the app. The claim was processed and paid quickly. I’m so glad I have this insurance.
Spot has made pet emergencies not so…
Spot has made pet emergencies not so nerve racking. Knowing that they are there financially when needed is a blessing. I had to take my boy to the vet and the bill was $1000. I wasn't sure how I could afford that but they reimbursed me 80% after my deductible. Thank goodness!!! I highly recommend them for your fur babies needs!!
Spot is the best !!
This was my first time having to submit a claim to Spot. My cat needed to see the vet for some vomiting and diarrhea issues and I uploaded the bill and was reimbursed in a matter of days. Such a smooth and easy process..thank you Spot ..
Cat Insurance FAQs
Is Cat Insurance Worth It?
Yes! Spot Pet Insurance plans can help you get up to 90% cash back on eligible vet bills when you enroll your pet in an accident-only or accident and illness plan. Pet parents can even get cash back for preventative care services like vaccines, wellness exams, and dental cleanings with the addition of an optional preventive care add-on.
Read more: Is Cat Insurance Worth It?
What Kind of Insurance Do I Need for My Cat?
While Spot offers both accident-only and accident and illness plans, we highly recommend enrolling your cat in our most comprehensive plan option, a combination of an accident and illness plan and a preventative care add-on. Under this combination, your pet plan coverage can include hospitalization, prescription medication, hereditary conditions, cancer, certain vaccines, wellness exams, and much much more!
Read more about insurance for multiple pets here.
Do Indoor Cats Need Pet Insurance?
While indoor cats may be at a lower risk for certain health conditions, they can still fall sick or become injured. This is why we recommend enrolling your cat in a pet insurance plan regardless of whether they spend most of their time inside or outside.
Spot understands that every pet’s needs are different, this is why we offer plans with customizable coverage, allowing pet parents to build the plan that best fits the needs of their pet and their budget.
Does Cat Insurance Cover Food?
While non-medical supplies such as your cat’s food typically aren't covered under pet insurance, prescription foods prescribed by your veterinarian to manage a covered condition, can be eligible for reimbursement.
Can I Get Insurance for an Older Cat?
Spot plans have no upper limit on the age for your pets to be eligible for coverage. Usually, the older the pet is, the higher the risk of them developing an illness or injury so Spot recommends you get pet insurance for your pet early on.
*10% multi-pet discount available on all pets enrolled after the first.