Dog insurance
More benefits.
Better coverage.
Dog parent approved.
Get up to 90% reimbursed on covered vet bills.
No breed exclusions: from mixes to purebreds
No age limits: pups 8+ weeks welcome
Added value: access $2,500+ in discounts(1)
Chronic & breed-specific conditions covered at no extra cost(2)
Allergies
Cancer &
growths
Cataracts & cherry eye
Dental
illnesses
Hip & elbow displasia
Skin, eye & ear inflection
See coverage details
How does dog insurance work?
Sample Vet Bill(3)
Cancer (Osteosarcoma)
Pet Name:
Neapolitan
Breed:
Giant Mix Dog
Radiation Treatment
$11,250
Zolendronic Acid Injection
$475
Chemotherapy Session
$440
Catheter
$75
Professional Services
$75
Chemotherapy Supplies
$30
Total vet bill
$12,345
Spot plan reimbursed
$11,110
1
No network restrictions
Visit any licensed vet
You choose your own vet in US or CAN.
2
Easy claim process
Send us your bill
Submit your claim online in 30 sec.
3
Fast & convenient payout
Get up to 90% reimbursed
Claims reimbursed in 48 hrs or less.
Is dog insurance worth it?
Unexpected vet bills can add up fast. Every 6 seconds, a pet owner faces a $1,000+ vet bill.(4)
Accident
Animal attack(5)
Total vet bill:
$1,622
Co-pay:
$160
Reimbursement:
$1,441
Illness
Pancreatitis(6)
Total vet bill:
$3,804
Co-pay:
$380
Reimbursement:
$2,953
Without Spot plan
No reimbursement on vet bill
May struggle to afford vet care
Fear of getting unexpected vet bills
With Spot plan
Up to 90% back on covered vet bills
Help protect your savings
Peace of mind at the vet
Recognized by Pet Experts. Trusted by Pet Parents.
What Do Spot Pet Insurance Plans Cover?
What Do Spot Pet Insurance Plans Cover?
Spot offers two main plans: Accident & Illness and Accident Only. You can add an optional Preventive Care plan as well.
Plan Options
Eligible diagnostics and treatments for costly accidents and 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)
Spot Accident-only plans cover eligible diagnostics and treatments for costly accidents:
Vet Exam Fees
MRI or CT Scans & X-rays
Surgery & Hospitalizations
IV Fluids & Medications
Medical Supplies (e.g. Bandages, and more)
Poison Control Consultation Fees
Prescription Medications
Tooth Extractions
Alternative Therapies (e.g. Acupuncture)
What’s Covered?
Each type of coverage includes exam fees, diagnostics, and treatment. We even cover the most advanced treatments, like chemotherapy and surgery, and some you may not expect, such as stem-cell therapy and acupuncture, so you can follow your vet’s recommendations with less worry about cost.
Accidents
Accident coverage will take care of costs for injuries and emergencies related to accidents, like bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.
Illnesses
With illness coverage, you’ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems, and UTIs.
Hereditary & Congenital Conditions
This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders, and hip dysplasia.
Behavioral Issues
Behavioral issues coverage can help with the costs of vet visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.
Sample policy
View our sample policy by clicking here
What Does Dog Preventative Care Include?
Adding a preventative care add-on to your pet insurance plan for an additional cost allows reimbursement for eligible routine veterinary services including wellness checks, vaccines, and other preventive measures that help keep your pet healthy. Preventative care coverage has no deductible or waiting period, meaning you can start using these benefits the next day.
Early Detection
Early detection can help with potential health issues, which can lead to prompt intervention and improved treatment outcomes.
Disease Prevention
Vaccinations and preventive measures can protect dogs from common and serious diseases, helping ensure their overall well-being.
Cost Savings
Proactive care can help prevent costly treatments by addressing health concerns before they escalate, potentially saving both money and suffering.
Long-Term Health
Regular check-ups, vaccinations, nutrition, dental care, and preventive medications can contribute to a dog's overall health, longevity, and higher quality of life.
Behavioral Well-Being
Preventive care can support behavioral health, helping address issues early and fostering a harmonious relationship between dogs and their owners.
Peace of Mind
Knowing that a dog can receive regular preventive care helps provide owners with peace of mind that they are actively contributing to their dog's health.
Dog Dental Care Coverage
Spot offers coverage for eligible dental illnesses & extractions throughout accident and illness plans, and can help cover the cost of dental cleanings with an optional preventative care add-on.
Dog Wellness Plans by Spot
Spot’s preventative care add-ons can help cover the eligible costs of routine veterinary services for your pet including: vaccinations, preventive screenings, annual exams, dental cleanings, and more. By helping to manage these costs, wellness plans help encourage more consistent veterinary visits, which can lead to early detection and treatment of potential health issues.
How Much Does Dog Insurance Cost?
Spot’s plans can start as low as $15 per month,7 but premiums can range depending on the reimbursement rate, coverage, and annual limit you select for your pet’s plan, along with your pet’s age, breed, and your location. Follow the link below to customize a plan for your pet and get your free quote.
Most Common Dog Health Conditions
In this chart, you can see what the most common dog health conditions are along with how much they cost*.
*Jan 2019 to May 2024 administrator claims data
Dog insurance that’s easy!
Spot helps makes it simple for pet parents to submit a claim and receive reimbursement for eligible services in just a few days.
1
Visit Any Licensed Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
2
Submit Your Claim
Send us your bill online, in our app, or via fax.
3
Get Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
Dog Insurance FAQS
Do Dogs Need Insurance?
While pet insurance is not mandatory, enrolling your pet in a Spot plan can offer valuable peace of mind by reimbursing 90% of eligible vet bills. This can help pet parents manage unexpected veterinary expenses and help ensure that their pets can receive the care they need with less financial strain. Note that pet insurance does not cover pre-existing conditions.
What Types of Pet Insurance Plans Does Spot Offer?
Spot offers accident-only and accident and illness base plans, as well as two optional preventative care add-ons.
Our accident-only plan can help cover the eligible costs for unexpected vet bills related to accidents including coverage for vet exam fees, hospitalizations, dental injuries, prescription medications, and more. Learn more about what dog insurance covers here.
Spot's accident and illness plans include all the benefits of an accident-only plan and can also help cover the eligible costs for conditions including; hereditary illnesses, digestive issues, cancer, alternative therapies, and more!
Our preventative care add-ons can help cover the eligible costs of routine veterinary services including vaccines, dental cleanings, flea and heartworm preventatives, and more!
Read more about insurance for multiple pets here
Why Do Pet Insurance Premiums Go Up?
Yes, sometimes pet insurance premiums can go up. These necessary increases provide you the opportunity to help get your pet the best medical treatment options available for eligible conditions. The premium increase is necessary to help keep up with the rising costs of veterinary care and inflation.
Additionally, your premium will be affected by your pet's age, as the risk for more costly claims grows higher. Spot strives to offer plans with coverage that continue well into your pet's old age by not placing upper-age limitations on coverage or enrollments.
Your premium will not increase due to filing a claim.
Read More: How Much is Dog Insurance?
Does Dog Insurance Cover Neutering?
With the purchase of a Platinum preventative care add-on, your Spot plan can help cover the eligible costs of neutering. Learn more about dog neutering coverage here.
Does Dog Insurance Cover Spaying?
Spaying coverage is available under our Platinum preventative care add-on. This package can be added to your accident-only or accident and illness base plan, and can help cover the eligible costs of routine vet services like; vaccinations, dental cleanings, spaying, and more!
Read More: Does Dog Insurance Cover Pregnancy?
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+
Based on admin data from 2019 to 2024. Actual reimbursement amounts may vary depending on plan type and options, including annual limit, co-insurance, and annual deductible, as well as the specifics of the claim and your policy terms.
1
No purchase necessary. Based on total combined Spot Perks discounts applied to avg. vendor cart value. spotpet.com/perks-term
2
Only covered with an accident and illness plan. Pre-existing conditions are not covered.
3
Claim reimbursement is based on actual policyholder claims from 2023. Claim example illustrates reimbursement based on an accident and illness policy at $75.01/month with a $500 deductible, 90% reimbursement, and unlimited annual benefit for a 1-year-old giant mix dog. Individual reimbursement amounts may vary depending on the specific terms of the policy, including coverage selected, annual deductible, reimbursement rate, and annual limit. Individual experiences and outcomes may vary.
4
"Pet Insurance Statistics 2024" Forbes Advisor, Jan 3, 2024.
5
Claim example illustrates reimbursement based on an accident and illness policy at $41.76/month plus wellness $9.95/month with a $250 deductible, 90% reimbursement, and $5,000 annual benefit for a 5.9-year-old Large Mix (51-100 pounds). Individual reimbursement results and coverage varies based on plan
6
Claim example illustrates reimbursement based on an accident and illness policy at $24.01/month plus wellness $24.95/month with a $250 deductible, 90% reimbursement, and $3,000 annual benefit for a 0.9-year-old Miniature Goldendoodle. Individual reimbursement results and coverage varies based on plan type.
7
Premium is from 6/27/25 based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $5,000 annual limit for a 2-year-old small mix dog in 32009. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
Best Dog Insurance Plans
Get up to 90% cash back on eligible vet bills
Visit any vet in the U.S. or Canada
24/7 Pet Telehealth included with each plan
They Think We’re Pretty Cool:
Top-Ranked Pet Health Insurance Plans for Dogs
Spot pet insurance offers affordable and comprehensive dog insurance plan options that can cover your dog from head-to-tail, providing everything necessary to help you ensure they can receive the best care.
When they’re sick
Get pet insurance for dogs, including coverage for diagnostics, treatments, and prescription medication for covered conditions.
When they’re hurt
Spot plans cover emergency care, surgery, and rehab for dogs injured in unexpected accidents, helping ensure their health.
When they’re healthy
Keep up with routine wellness exams, vaccines, and more with optional Preventive Care benefits you can add to your plan.
What Does Dog Health Insurance Cover?
Spot Pet Insurance helps with unexpected vet bills from accidents and illnesses like human health insurance. Spot offers two plans for dog owners: accident & illness and accident only. You can also add an optional Preventive Care add-on as well.
Plan Options
Eligible diagnostics and treatments for costly accidents and 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)
Spot Accident-only plans cover eligible diagnostics and treatments for costly accidents:
Vet Exam Fees
MRI or CT Scans & X-rays
Surgery & Hospitalizations
IV Fluids & Medications
Medical Supplies (e.g. Bandages, and more)
Poison Control Consultation Fees
Prescription Medications
Tooth Extractions
Alternative Therapies (e.g. Acupuncture)
What’s Covered?
Each type of coverage includes exam fees, diagnostics, and treatment. We even cover the most advanced treatments, like chemotherapy and surgery, and some you may not expect, such as stem-cell therapy and acupuncture, so you can follow your vet’s recommendations with less worry about cost.
Accidents
Accident coverage will take care of costs for injuries and emergencies related to accidents, like bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.
Illnesses
With illness coverage, you’ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems, and UTIs.
Hereditary & Congenital Conditions
This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders, and hip dysplasia.
Behavioral Issues
Behavioral issues coverage can help with the costs of vet visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.
Sample policy
View our sample policy by clicking here
What Does Dog Preventative Care Include?
Adding a preventative care add-on to your pet insurance plan for an additional cost allows reimbursement for eligible routine veterinary services including wellness checks, vaccines, and other preventive measures that help keep your pet healthy. Preventative care coverage has no deductible or waiting period, meaning you can start using these benefits the next day.
Early Detection
Early detection can help with potential health issues, which can lead to prompt intervention and improved treatment outcomes.
Disease Prevention
Vaccinations and preventive measures can protect dogs from common and serious diseases, helping ensure their overall well-being.
Cost Savings
Proactive care can help prevent costly treatments by addressing health concerns before they escalate, potentially saving both money and suffering.
Long-Term Health
Regular check-ups, vaccinations, nutrition, dental care, and preventive medications can contribute to a dog's overall health, longevity, and higher quality of life.
Behavioral Well-Being
Preventive care can support behavioral health, helping address issues early and fostering a harmonious relationship between dogs and their owners.
Peace of Mind
Knowing that a dog can receive regular preventive care helps provide owners with peace of mind that they are actively contributing to their dog's health.
Dog Dental Care Coverage
Spot offers coverage for eligible dental illnesses & extractions throughout accident and illness plans, and can help cover the cost of dental cleanings with an optional preventative care add-on.
Dog Wellness Plans by Spot
Spot’s preventative care add-ons can help cover the eligible costs of routine veterinary services for your pet including: vaccinations, preventive screenings, annual exams, dental cleanings, and more. By helping to manage these costs, wellness plans help encourage more consistent veterinary visits, which can lead to early detection and treatment of potential health issues.
How Much Does Dog Insurance Cost?
Spot’s plans can start as low as $15 per month,2 but premiums can range depending on the reimbursement rate, coverage, and annual limit you select for your pet’s plan, along with your pet’s age, breed, and your location. Follow the link below to customize a plan for your pet and get your free quote.
Most Common Dog Health Conditions
In this chart, you can see what the most common dog health conditions are along with how much they cost*.
*Jan 2019 to May 2024 administrator claims data
Dog 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.
1
Visit Any Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
2
Submit Your Claim
Send us your bill online, in our app, or via fax.
3
Get Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
Dog Insurance FAQS
Do Dogs Need Insurance?
While pet insurance is not mandatory, enrolling your pet in a Spot plan can offer valuable peace of mind by reimbursing 90% of eligible vet bills. This can help pet parents manage unexpected veterinary expenses and help ensure that their pets can receive the care they need with less financial strain. Note that pet insurance does not cover pre-existing conditions.
What Types of Pet Insurance Plans Does Spot Offer?
Spot offers accident-only and accident and illness base plans, as well as two optional preventative care add-ons.
Our accident-only plan can help cover the eligible costs for unexpected vet bills related to accidents including coverage for vet exam fees, hospitalizations, dental injuries, prescription medications, and more. Learn more about what dog insurance covers here.
Spot's accident and illness plans include all the benefits of an accident-only plan and can also help cover the eligible costs for conditions including; hereditary illnesses, digestive issues, cancer, alternative therapies, and more!
Our preventative care add-ons can help cover the eligible costs of routine veterinary services including vaccines, dental cleanings, flea and heartworm preventatives, and more!
Read more about insurance for multiple pets here
Why Do Pet Insurance Premiums Go Up?
Yes, sometimes pet insurance premiums can go up. These necessary increases provide you the opportunity to help get your pet the best medical treatment options available for eligible conditions. The premium increase is necessary to help keep up with the rising costs of veterinary care and inflation.
Additionally, your premium will be affected by your pet's age, as the risk for more costly claims grows higher. Spot strives to offer plans with coverage that continue well into your pet's old age by not placing upper-age limitations on coverage or enrollments.
Your premium will not increase due to filing a claim.
Read More: How Much is Dog Insurance?
Does Dog Insurance Cover Neutering?
With the purchase of a Platinum preventative care add-on, your Spot plan can help cover the eligible costs of neutering. Learn more about dog neutering coverage here.
Does Dog Insurance Cover Spaying?
Spaying coverage is available under our Platinum preventative care add-on. This package can be added to your accident-only or accident and illness base plan, and can help cover the eligible costs of routine vet services like; vaccinations, dental cleanings, spaying, and more!
Read More: Does Dog Insurance Cover Pregnancy?
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