Affordable Plan Options for Puppies
Spot pet insurance offers affordable and comprehensive puppy insurance plans that cover your puppy from head-to-tail, providing support to help you ensure they receive the best care.
Accident Coverage for Puppies
Accident coverage for puppies helps ensure they receive immediate medical care in case of unexpected injuries.
Accident and Illness Coverage for Puppies
Accident and illness coverage for puppies provides comprehensive protection, ensuring they receive prompt medical care for both injuries and illnesses.
Platinum Preventative Care Add-On
Spot’s platinum preventative care add-on can help cover the cost of a variety of routine care services including the spaying or neutering of your puppy.
What Can Spot Puppy Insurance Plans Cover?
Puppies as young as 8 weeks old can be enrolled into Spot’s accident and illness and accident-only plans. Accident coverage typically includes eligible costs related to injuries such as broken bones or ingestion of harmful objects and toxins.
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 Puppies
Preventive Care is especially important during the first year of your puppy's life to help ensure they have
all of the core vaccinations and the opportunity to detect health issues in their early stages.
Spaying or Neutering Coverage
Puppy owners may consider spaying or neutering coverage to promote their pet's overall health and well-being.
Dental Teeth Cleaning Coverage
Puppy owners may consider dental teeth cleaning to maintain their pet's oral health and prevent potential dental issues.
Wellness Exam Coverage
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
Explore Puppy Insurance by Breed
Learn about your puppy’s characteristics, personality, and more today!
Happy Pet Parents Trust Spot
Excellent pet insurance
I've now insured 4 cats through Spot. When I starting buying insurance for our current two 1-1/2 year old brothers as a precaution when they were still kittens, one of the cats unexpectedly developed some chronic health issues that have already nearly cost $2,000. As with all of our other pets, Spot has reimbursed me for the expenses promptly and without any administrative back-and-forth. I cannot recommend them enough.
Spot has met all expectations
Spot has met all expectations in regards to reimbursement and timeliness. I would highly recommend this company.
Ease of making claims
Ease of making claims; responsiveness and overall service.
Spot is affordable, flexible, and no hidden strings
Spot pet insurance is much more affordable than some of the other options out there, while offering a high quality product that has flexible options to meet the exact plan you want. Pros: - You can essentially create your own plan by choosing your own deductible and reimbursement percentage to get to a monthly premium that you're comfortable with. - The preventative care add on is something I found helpful since we take our dog in for regular check ups. - I have submitted a few claims already and never had any issues with reimbursement/coverage. You can configure direct deposit, and I've always gotten reimbursement within a week or so of submitting. - The app is easy to use and makes submitting claims very easy as long as you have proper documentation. Cons: - The only con is that they do work on a reimbursement method, meaning that you have to pay out of pocket and submit a claim afterwards to receive reimbursement. This can sometimes be tricky because when the vet is asking if you want to move forward with a treatment, you have to make a decision without having 100% confidence that it will be covered. Spot does have transparent documents that show what is and is not covered, but it can still be stressful to make the decision without 100% confidence. In my experience though, everything that I have expected to be covered was covered.
It was a smooth
It was a smooth, simple process to submit the claim. The turnaround time was better than expected.
You were quick to acknowledge the…
You were quick to acknowledge the complaint and take action with your promt response. It’s a great insurance company, I highly recommend you,100%
Timely and fair
Exceptionally clear and timely in their reviews of claims, and eminently fair in their coverage decisions. Best insurance company I've dealt with!
Medical issues concerning pets are…
Medical issues concerning our pets are never easy especially when great expense is involved. It is an emotional time to be weighing the cost of service versus care of your pet. Knowing you have coverage for emergency costs is helpful. It took me months to submit my claim due to the emotional loss of my dog. The process was smooth and I felt compassion from those I spoke to that helped me through the process. Reimbursement was timely and so appreciated.
The quickness of processing a claim request.
Quick response and the simplicity of submitting a claim. Outstanding phone assistance when needed. Outstanding email updates on the status of your claim.
First time having dog insurance
First time having dog insurance. We brought our pup to the vet. Submitted our recipt by taking a picture and uploading it. Within a few hours our claim was reviwed and we seen a refund to our account the next day. Simple fast and on point. Could not be happier.
Puppy Insurance FAQs
At What Age Can I Enroll My Puppy in a Spot Plan?
Spot can cover puppies as young as 8 weeks old.
Is Pet Insurance Necessary for a Puppy?
While it is not mandatory to insure your puppy, 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.
Read more: is puppy insurance worth it?
Is Puppy Insurance More Expensive for Certain Breeds?
Pet insurance 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.
Read more about insurance for multiple pets here
Is Puppy Insurance Worth It?
Yes, in some cases, puppy insurance is worth it! In their first year of life, your puppy will need to visit the vet on multiple occasions for wellness exams, vaccines, flea and tick medication, and potentially even to be spayed of neutered. Spot’s preventative care add-ons can help cover the cost of these routine veterinary services.
In addition, enrolling your puppy early into an accident and illness or accident-only plan, will help avoid the development of conditions that would later be considered pre-existing.
Do Indoor Dogs Need Puppy Insurance?
While staying indoors can help prevent dogs from developing certain health conditions, such as those transmitted through fleas and ticks, they can still experience accidents like swallowing foreign objects or becoming injured from a fall. Enrolling your pet in a Spot plan can help provide additional financial assistance to pet parents in case of unexpected vet bills. Spot plans can help pet parents get up to 90% cashback on eligible vet bills.
1. "Common Puppy Illnesses..." AKC, https://www.akc.org/expert-advice/health/common-puppy-illnesses-to-know/, Apr. 17, 2024.
