Top-Ranked Kitten Insurance Plans
Spot pet insurance offers affordable and comprehensive kitten insurance plans that cover your kitten from head-to-tail,
providing everything necessary to help you ensure they 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 Do Spot Kitten 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)
Preventive Care for Kittens
While kittens may have the reputation for nine lives, it's still wise to have a preventive care plan in place to help keep them safe from potential harm.
Spaying or Neutering
Enhance your kitten's protection with the Platinum Preventative Add-on, offering additional coverage for essential services
at a cost-effective rate.
Dental Teeth Cleaning
Explore Spot's kitten insurance plans with dental cleaning coverage included in preventative care options, helping ensure your furry friend's health at an affordable additional cost
Wellness Exams
Coverage for routine exams and screenings are included in our preventative care coverage, helping provide your vet with the opportunity to detect health issues in their early stages.
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
Quick on reimbursement
Great with claims guick
This pet insurance has been really on…target
This pet insurance has been really on the ball for my Suzy Q and Cooper James. The customer service is just wonderful! Always helpful to answer questions and explain benefits. I am very satisfied with this coverage for my pets!
Spot Pet Insurance is the absolute…
Spot Pet Insurance is the absolute BEST! Their customer service is spectacular! They always answer questions and pay claims promptly. I will never use another pet insurance company. I'm a customer for life!
Spot Pet Insurance makes life easier
Spot Pet Insurance is fast, responsive and diligent. I appreciate the swift response in a challenging time. Very high recommendations and I never leave reviews!
Great Experience!
I did a lot of research before choosing Spot, and I am glad I did. They are awesome. Filed my first claim, and it was approved very quickly. My money was electronically deposited in a less than five days. Thank you so much Spot!!!
Easy site to navigate
Easy site to navigate, friendly customer service and quick processing of claims
Great experience
It was so easy to navigate. I submitted my claim, and I received my money quickly.
It was easy and fast!
It was easy and fast!
Very helpful in filing a claim
Very helpful in filing a claim. And promptly paid the claim once all the paperwork is complete. Thank you for the great service!
Love spot
Love spot! So easy to use, and even easier to submit a claim. Received my claim within a week. Would definitely always recommend spot pet insurance!
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
What do Pet Insurance Plans provided by Spot cover?
Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.
Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.
You may use any licensed veterinarian in the US and Canada.
For a full list of terms and conditions, click here to view a sample policy.
Can I Get Reimbursed for Routine Teeth Cleanings?
Base level plans provided by Spot do not cover routine teeth cleanings.
However, Spot accident & illness plans cover treatments for dental illnesses. The only treatment covered for dental accidents is tooth extractions.
To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.
How do I Determine if My Pet Has a Pre-existing Condition?
Plans provided by Spot do not cover pre-existing conditions.
A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.
What is the Best Age to Insure My Pet?
Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age. You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old. Don’t let your pet develop a “pre-existing condition” before they’re insured.
Does Pet Insurance Cover Exam Fees?
Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions.
Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.