Customizable Insurance for Kittens
Spot provides pet parents the opportunity to customize their pet’s plan by selecting their reimbursement rate, annual limit, and deductible from a range of options. Spot also offers both accident and illness and accident-only base plans, so you can choose the coverage that best fits the needs of your pet. Spot’s preventative care add-ons can be added to any base plan, and to help cover the eligble costs of routine veterinary services like vaccines, dental cleanings, wellness exams, and more!
Accident Coverage for Kittens
Can Cover:
Injuries
Swallowed objects
Toxic ingestions
Illness Coverage for Kittens
Can Cover:
Accidents
Cancer, diabetes
Respiratory infections
Preventative Care for Kittens
Can Cover:
Dental cleaning
Fecal test
Annual wellness exams
Preventive Coverage for Kittens
Spot's Preventive Care add-ons can help cover the eligible cost of routine veterinary services and can ease the cost of routine veterinary services, easing the financial burden of responsible pet ownership. Our kitten preventive add-ons include coverage for essential vaccines, wellness exams, and important dental cleanings to help keep your kitten healthy. With Spot, you can focus on giving your kitten the best possible start in life and worry less about the cost of routine veterinary care.
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)
Kitten insurance that’s easy!
Spot makes it simple for pet parents to submit a kitten insurance 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.
Explore Kitten Insurance By Breed
Learn about your kitten’s characteristics, personality, and more today!
Happy Pet Parents Trust Spot
The member site is easy to use and…
The member site is easy to use and payment is prompt and accurate
When i submit a claim
When i submit a claim, I receive an email promptly, stating my claim is being processed. I appreciate the quickness.
Spot is very good in there an analysis…
Spot is very good in there an analysis of the filed claims even checking back with the pets owner and the vet
Coverage with Kindness
The agent was very kind in assisting me.
Very helpful when I called about my dog…
Very helpful when I called about my dog passing. Also very quick on my claim. Very happy with the insurance.
They seem to review the claims…
They seem to review the claims carefully & get back to me. I adopted my sweet boy “Moo Cow”, from our animal shelter & he’s had a rough start but hopefully he will stay healthy.
Night and day difference from Lemonade — Spot actually covers what matters!
After dealing with endless hurdles and frustration with Lemonade, switching my 3-year-old Saint Bernard, Mabel, to Spot was the best decision I could have made. Anyone with pets knows how difficult dental claims usually are, with most insurers searching for any excuse to classify everything as "routine" or "pre-existing." Mabel recently needed a major dental surgery under general anesthesia that included full-mouth X-rays, complex surgical extractions, and post-op medications, totaling over $2,000. Having dealt with Lemonade previously, I was bracing myself for a fight. Instead, Spot reviewed the medical records, confirmed the medical necessity of the procedure, and approved the entire surgical invoice with zero exclusions. Once my deductible was met, my 80% reimbursement was deposited directly into my bank account in just days. No bureaucratic red tape, no unfair denials, just straightforward coverage that honors the policy terms, and it was FAST. If you've been burned by other pet insurance companies, give Spot a look—they delivered exactly when we needed them.
Very easy to file a claim
Very easy to file a claim, in a short amount of time
Ease submitting claim
Quick and easy submitting claim. Very knowledgeable customer service. Received reimbursement in timely manner!
I have never had an issue with Spot
I have never had an issue with Spot. The workers are kind and claims get processed quickly.
*Spot offers a 10% multi-pet discount for all pets enrolled after the first
Kitten Insurance FAQs
Can You Insure a Kitten?
Yes, kittens as young as 8 weeks old are eligible for coverage under a Spot plan.
Is Pet Insurance Necessary for a Kitten?
While it is not mandatory to insure your kitten, enrolling in a Spot plan can offer additional peace of mind for pet parents by providing reimbursements of up to 90% toward the cost of unexpected vet bills. Spot offers both accident and illness and accident-only plans, and can also help cover the cost of routine veterinary services with the addition of a preventative care add-on.
Is Pet Insurance Worth it?
Yes, kitten insurance can be worth it for many reasons. With our kitten insurance plans, pet parents can get cash back on covered vet bills, which can help manage the cost of unexpected vet care over time, especially as your pet ages.
Enrolling your kitten early can also help avoid pre-existing conditions that can develop as your pet ages.
At What Age Should You Get Cat Insurance?
The sooner the better. Enrolling your cat in a Spot plan while they are still young will help decrease their chance of developing a health condition that will then be considered pre-existing under their insurance plan. Spot is happy to insure kittens as young as 8 weeks old.
How Often Do Kitten Need to Go to the Vet?
In the first four months of their lives, kittens should be seen by their veterinarians once every 3 - 4 weeks to receive vaccinations and wellness exams. These visits help to protect your kitten against diseases and help your veterinarian to better identify your kitten's needs.1
Read more about insurance for multiple pets here
What Are the Waiting Periods for Kitten Insurance?
Spot plans typically have a waiting period of 14 days for accidents and illnesses. If you add a preventive care option, your wellness coverage starts the next day.
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. Spot allows you to visit any licensed vet in the U.S. or Canada.
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 cat 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 wellness services, including vaccines, dental cleanings, flea and heartworm preventatives, and more.
Learn more about dental coverage for dogs and cats
Is Kitten Insurance More Expensive for Certain Breeds?
Pet insurance policies and premiums can vary based on several factors: the pet’s age, breed, location, as well as the coverage selected for your plan, and your chosen deductible and annual limit.
Insurance providers take breed into account because different breeds can be prone to different health conditions. Premiums may also change if you have multiple pets and are able to receive a multi-pet discount.*
*10% multi-pet discount available on all pets enrolled after the first. 5% off each pet when 2 or more pets are enrolled in CA and WA.
1Ginn, Sam. “How Often Should I Take My Cat to the Veterinarian?” Animal Medical Center of Chicago, Animal Medical Center of Chicago, 24 Feb. 2020.
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