Chronic & breed-specific conditions covered at no extra cost2
Allergies
Cancer & growths
Cataracts & cherry eye
Dental illnesses
Hip & elbow dysplasia
Skin, eye & ear infection
See coverage detailsHow does dog insurance work?
Sample Vet Bill3
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
No network restrictions
Visit any licensed vet
You choose your own vet in US or CAN.
Easy claim process
Send us your bill
Submit your claim online in 30 sec.
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)
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?
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
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 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.
Read more: How Much Does Pet Insurance Cost for German Shepherds?
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.
Visit Any Licensed 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
Good customer service
Good customer service. And spot actually pays claims instead of arguing everything to get out of them! Honest company
Worth the value
Filing a claim was very easy and the review and response time were incredibly fast. They communicated and made sure I knew what was happening with my claim every step of the way. The little bit extra I pay for wellness care is absolutely worth it for my pup.
Quick claims review
Quick claims review
Easy to work with
Easy to work with. Claims are processed in a timely manner. When my pet died they responded with a lot of empathy.
They processed my claim in a very quick…
They processed my claim in a very quick and efficient manner.
everything has went well so far
everything has went well so far
I have put in 2 claims so far
I have put in 2 claims so far. It seems they are pretty responsive and once the claim is approved, i got my refund quickly.
I had a very good claims experience…
I had a very good claims experience with 2 claims for surgery for my dog. Filing the claims was easy, and they were handled with no issues. I got the benefit paid by direct deposit in plenty of time to pay my credit card bill for the procedure.
Wonderful experience!
I wish there was a way to add additional files on a claim. Other than that, very satisfied/impressed with how smoothly things went. I've been pn other pet insurance with a pet years ago and they did everything they could to disqualify the pet for coverage when a claim was submitted. Found Spot through a friend who is equally impressed with the cooperation by your company. Thank you!
I was surprised at how quickly the…
I was surprised at how quickly the reimbursement process was > One upload and a week later it was in my bank account !
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.
How Much is Dog Insurance?
Our dog insurance plans can start as low as $15 per month,7 but according to the North American Pet Health Insurance Association, on average, dog parents pay between $16 and $63 per month.
What Factors Affect the Cost of Pet Insurance?
Your pet’s age, breed, sex, 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 Dog Insurance Worth It?
Every 6 seconds, a pet parent is faced with a vet bill of $1,000 or more, 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 treatment.4
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.
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, emergency care, 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
Do All Vets Take Pet Insurance?
Yes! With a Spot plan, you can take your pet to any licensed vet in the U.S. or Canada for covered treatment. Once your claim is processed, the reimbursement will come directly to you through direct deposit or a check in the mail.
In Which States Can I Use My Pet Insurance Plan?
Our coverage applies in all 50 states!
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 Medication?
Yes! Our plans can reimburse the eligible cost of medications 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 Dog 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 or at renewal. The add-on is $24.95 per month and has a total annual benefit of $450 reimbursed in covered routine care.
Does Dog Insurance Cover Vaccines?
Our preventative care add-ons can help pet parents get cash back on the covered cost of select vaccines, including DHLPP, Bordetella, Rabies, Lyme, and/or Titer.
Does Dog Insurance Cover Pre-existing Conditions?
Pet insurance typically does not cover pre-existing conditions, but with a Spot plan, cured and curable conditions can be covered if treatment 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 eligible costs of unexpected veterinary bills. Pet insurance plans typically 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.
+ 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-terms
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.