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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.
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 Does Dog Preventative Care Include?
Adding a preventative care add-on to your pet insurance plan allows reimbursement for 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 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.
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 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
Great Response
My cat recently had to go to the emergency vet. Submitting her claim was extremely simple through the website. My claim was processed immediately, and payment was direct deposited into my checking account. Such a simple and efficient process -- thank you!
My claim was processed right away
My claim was processed right away. I am very happy with Spot Pet Insurance.
Spot is a must!
Spot has been amazingly helpful, taking away the worry of am I going to be able to afford this visit, to being able to just focus on my cat's care. I've been recommending Spot to all my friends with pets, will never not have Spot Pet Insurance for my fur kids!
First year of experience was good
This is my first year of Spot coverage for my large dog for accidents and illnesses. Did not have much to claim. But what I did submit was easily completed. The company was easy to work with, customer service answered my questions clearly and seemed to have no problems understanding and processing the claim. Very pleased with this initial experience.
Spot Insurance is a must have! 10/10
I wholeheartedly recommend Spot Pet Insurance for each of your beloved pets! The claims process is done through their app and reviewed quickly as long as you submit the appropriate paperwork. Usually, you just submit an itemized receipt from the vet along with the veterinarian's notes. I hit my deductible this year and was reimbursed for subsequent visits/procedures according to the contract. 10/10!
Very user friendly website
Very user friendly website, that made submitting a claim very fast and easy for my pup. They also reimbursed me quickly for the claims I submitted.
Very responsive
Very responsive. Quick to process claims and fair in their reimbursement. Highly recommend!!
Using Spot was easy and reduced the…
Using Spot was easy and reduced the stress of managing the care of our pet who was involved in an unexpected incident. It was easy to provide the receipts and responses were prompt and as we expected, without complications.
Fast and easy
Fast and easy
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?
