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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.
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.
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.
Happy Pet Parents Trust Spot
A puppy life saver
A puppy life saver
Excellent service
Excellent service
The claim was easy
The claim was easy. I was expecting a bit if a hassle because of the claim amount but there wasn't one. I made sure to submit all the required documents up front when initiating the claim and in two weeks my claim was processed and approved without a problem.
Quick and reliable
Quick and reliable
Great service
Great service. Fast. Excellent refunds
Thank God for Spot Pet Ins
Diesel my 7 year old Chihuahua became quite ill on Friday May 29th. He stopped eating and drinking. That night he began scream-crying due to horrific pain. Sat morning he couldn't lift his head. I thought he was dying. I took him to an Emergency Animal hospital. X-ray showed a small square object in his stomach. Once surgically removed, the vet noticed irritation on his intestine. She opened to find a foreign object blocking any bowel movement. My vet bill was $4213.61. Submitted a claim on June 1 and received payment on June 11. After deductible, Spot Pet covered 80%. My cost: $1242.72. Thank God for Spot Pet insurance. Thank you! Thank you!
So happy I chose Spot!
I have no complaints at all about Spot pet insurance! I've had dogs for most of my life and this is the first time I have bought pet insurance. I'm so glad that I chose Spot and we couldn't be more pleased with their service! The claim process is simple and completed in a very timely manner.
Fast response after sending claim
Fast response after sending claim
SPOT Delivered on Their Promise
I’ve had a great experience with SPOT Pet Insurance. Recently, my senior rescue cat needed a treatment that cost several thousand dollars. I submitted all the required records, and once SPOT received the documentation, my reimbursement was processed without any issues. What I appreciate most is that SPOT has not raised my premiums because of my cat’s age, unlike some other pet insurance companies. One company I contacted wouldn’t even cover pets over 13 years old. The condition my cat was treated for developed after she was enrolled, and SPOT honored the coverage as promised. The claims process was easy, the reimbursement was fair, and SPOT has not disappointed me. I highly recommend them to other pet owners.
I have not had a need to really use the…
I have not had a need to really use the insurance up until now. Our kitty is normally very healthy and happy. But, that seemingly changed in an instant that he was lethargic and not eating. Although the vet did not isolate the exact cause of the fever, the IV fluids and antibiotic brought him out of the illness. I am very thankful to Spot for standing with me during this ordeal. It was overwhelming.
Cat Insurance FAQs
How Much is Cat Insurance?
Our cat insurance plans start at $9, but according to the North American Pet Health Insurance Association, on average, cat parents pay between $9 and $32 per month1.
What Factors Affect the Cost of Pet Insurance?
Your pet’s age, breed, and your location all play a role in the cost of their plan. The cost of your plan also depends on the base plan, deductible, annual limit, and reimbursement rate you select when enrolling your pet.
Is There a Discount on Pet Insurance for Multiple Pets?
Yes! As pet parents ourselves, we understand that the cost of care for multiple pets can quickly add up. With our multi-pet discount, pet parents automatically get 10% off the monthly premium for each pet enrolled after the first.
Is Cat insurance Worth It?
Every 6 seconds, a pet parent is faced with a vet bill of $1,000 or more2, but 2 in 3 pet parents say that they could not afford a vet bill of $1,000 or less if their pet needed lifesaving treatment3.
Spot plans help provide pet parents with financial support so that when it matters most, they can focus on their pet’s care, not the cost, helping bring peace of mind during difficult moments.
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, a combination of an accident-and-illness plan and a preventative care add-on. Under this combination, your pet plan coverage can include hospitalization, emergency care, prescription medication, hereditary conditions, tooth extractions, cancer, certain vaccines, wellness exams, and much more!
Read more about insurance for multiple pets here.
Do All Vets Take Pet Insurance?
Yes! Take your pet to any licensed vet in the U.S. or Canada for your pet’s treatment. Once your claim is processed, the reimbursement comes directly to you through direct deposit or a check in the mail.
In Which States Can I Use My Met Insurance Plan?
Our coverage applies in all 50 states (and Canada)!
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; so we offer plans with customizable coverage, allowing pet parents to build the plan that best fits the needs of their pet and their budget.
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.
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.
Does Cat Insurance Cover Medication?
Yes! Our plans can reimburse the cost of medications and food prescribed to treat covered conditions, including cancer, diabetes, allergies, thyroid conditions, and more. To learn more about what our plans cover, view a sample policy.
Does Cat Insurance Cover Spaying and Neutering?
Our Platinum Preventative Care add-on reimburses up to $150 on spaying or neutering. To opt in, add the Platinum Preventative Care add-on to your base plan during enrollment. The add-on is $24.95 per month and has a total annual benefit of $450 reimbursed in routine care.
Does Cat Insurance Cover Vaccines?
Our wellness plan for an extra cost can help pet parents get cash back on the cost of select vaccines, including DHLPP, Bordetella, Rabies, Lyme, and/or Titer.
Does Cat insurance Cover Pre-existing Conditions?
Pet insurance cannot cover pre-existing conditions, but with a Spot plan, cured and curable conditions can be covered if cured and symptom-free for 180 days. This does not include knee and ligament injuries.
What Does Pet Insurance Not Cover?
Our plans are meant to help pet parents manage the cost of unexpected veterinary bills. Pet insurance plans cannot cover:
Pre-existing conditions
Conditions that start during a waiting period
Daycare/boarding costs
Breeding costs
Cosmetic procedures
Routine care (vaccines, annual checkups, etc.) Coverage for routine care can be added to any base plan with the purchase of a wellness add-on. Learn more about our wellness add-ons.
*10% multi-pet discount available on all pets enrolled after the first.