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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
Spot Insurance is Great!!
Spot Insurance works out great for my pups and I. I am so happy to see how much was covered after meeting my deductible! A quick turnaround time too!
Prompt payment of invoice following…
Prompt payment of invoice following death of my pet. Sympathy card in mail as well as nice email.
Fast claim processing, clear policy document
Great experience
My border collie broke her leg…
My border collie broke her leg in multiple places. Surgery was required. My bills totaled roughly $11,000, which could have hit us hard. However, with Spot Pet Insurance, the claims were easily submitted and processed in a timely manner. The customer service was outstanding as well. Thank you, Spot Pet!!!
You guys are amazing
You guys are amazing. On your website there are clear instructions how to submit the claim and you are very honest with reimbursement, also it is very easy to reach customer service if there is a need for it. Thank you
The way to file a claim
The way to file a claim, it was easy and quick.
Was paid promptly for claims and when I…
Was paid promptly for claims and when I submitted a claim for my dogs euthanasia I gat a sympathy email and it also said they were canceling my insurance effective the date of his passing. I then got a call a few days latter from a lady just telling me how sorry she was and to reach out if I needed anything,
WAS reluctant to get insurance...
I was reluctant to get insurance for my family's kitty, but am relieved for making the decision to do so. Spot's claim process was easy for his new condition, and getting a reimbursement wasn't a problem.
I am so glad I decided on SPOT for my…
I am so glad I decided on SPOT for my puppies insurance. Filling out a claim is easy and the turn around for reimbursement is great. My dog gets recurring ear infections, no matter what I do. SPOT has saved me so much and I am very thankful!
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.