What is Spot's Most Affordable Pet Insurance Plan?
Our Accident-only plan can be a great fit for pet parents who want to help protect their pet while helping keep premiums low.
This plan can help pet parents get cash back on unexpected vet bills from broken bones and animal bites to unauthorized snacks and surprise ER visits.
Which Spot Pet Insurance Plan Offers Broader Coverage?
Our accident and illness plan offers pet parents all the coverage of an accident-only plan, and coverage for hereditary, congenital, and breed-specific conditions, with no breed exclusions. Customizable annual limits, reimbursement rates, and deductibles help pet parents get the most value out of their pet's plan.
What is Spot's Best Pet Insurance Plan for Puppies?
There's a lot that goes into raising a happy and healthy puppy. Spot accident and illness plans can help puppy parents get up to 90% cash back on covered vet bills - so when puppy curiosity gets the best of them, you can focus more on their care, and less on the cost.
Coverage includes:
Emergency care, hospitalization, and surgery
Diagnostic tests and follow-up visits
Prescription medication and treatments
Happy Pet Parents Trust Spot
You had different policies to fit our…
You had different policies to fit our pet needs and was easy to reach to you.
I have submitted 2 different claims
I have submitted 2 different claims for one of my cats and the claims were handled in a timely manor and my refund was as stated.
They are very professional
They are very professional, very easy to make my claim.
Spot insurance was there for my boy…
Spot insurance was there for my boy with his much needed surgery. Couldn’t have done it without them.
They have your back!
My Pup is seriously ill. With all the emotions attached to her care. It's nice having an insurance company as Spot. All I had to do was submit a couple items and they handled the rest. The experience was hassle free and the processing was quick. I will definitely continue to use Spot as my pet insurance company.
Fast ,easy and very helpful on the phone
Fast ,easy and very helpful on the phone
I picked the middle of policy for my…
I picked the middle of policy for my cat. Only 13 dollars a month. When he gets emergency cost 1000 dollars, but spot insurance give me back 804. I am so happy and satisfied, cuz you're gonna to save your pet, no matter what. When you have the insurance you got peace of mind. I insured 3 of my baby’s, cost 100 a month. It’s totally worth it.
Spot does what Spot promises to do
Spot does what Spot promises to do: it reimburses 90% of my vet bills after the annual deductible. Easy claim processing; easy communications channels; direct deposit for quick reimbursement. Sadie Killmouski and I are quite satisfied.
Easy to file claim and claim paid…
Easy to file claim and claim paid quickly
App is easy to use and reimbursement is…
App is easy to use and reimbursement is quick
Frequently Asked Questions
How much is dog insurance?
Dog insurance premiums average $40 per month.* All base plans are customizable; pet parents can select the plan deductible, annual limit, and reimbursement rate from a range of options.
How much is cat insurance?
Cat insurance plans start as low as $9^^ per month, and premiums average $22 per month.* Pet parents can choose accident-only or accident and illness plans. Learn more about what pet insurance covers.
How much is puppy insurance?
Puppy parents pay an average of $38 per month.* Learn more about puppy insurance and how to get cash back on routine care.
How much is kitten insurance?
On average, premiums for kitten insurance are $21 per month.*
*Average premiums are based on current policyholders as of 2025 with accident-only or accident-and-illness plans and may vary due to plan options such as annual limit, co-insurance, and annual deductible, as well as your pet’s breed, age, and location. Quotes at purchase will reflect these factors and your specific selections. 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.
1. Holbrook, Elizabeth. “What Is the Cost of Raising a Puppy?” The Rover Blog, 27 Feb. 2025, www.rover.com/blog/new-puppy-cost/#veterinary-costs-for-your-puppy. Accessed 14 May 2026.