Puppy Insurance Plans from Spot

  • No lifetime cap for illnesses or accidents

  • Customizable coverage

  • Coverage for puppies as little as 8 weeks old

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.   

Plan Options
eligible diagnostics and treatments for costly accidents and illnesses:
Vet Exam Fees

Vet Exam Fees

Microchip Implantation

Microchip Implantation

Behavioral Issues

Behavioral Issues

X-rays & Tests

X-rays & Tests

Emergencies & Hospitalizations

Emergencies & Hospitalizations

Skin, Eye, and Ear Infections

Skin, Eye, and Ear Infections

Hereditary Conditions

Hereditary Conditions

Dental Illnesses

Dental Illnesses

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

What Are Common Issues That Puppies Can Face? 

Puppies can be prone to several health conditions including Parvovirus, Distemper, and Influenza.1 Fortunately for puppy parents, Spot’s preventative care add-ons can help cover the eligible cost of vaccinations for these conditions.

Got an adult dog?

Spot offers affordable dog insurance plan options designed to cater to your furry friend as they age.

Explore Puppy Insurance by Breed

Learn about your puppy’s characteristics, personality, and more today!

A golden retriever puppy is looking towards the camera.

Golden Retriever

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A French bulldog with a red collar stands on a white surface outdoors.

French Bulldog

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A German Shepherd is running on a grassy field.

German Shepard

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A young brown Labrador Retriever looks upward with a curious expression.

Labrador Retriever

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Happy Pet Parents Trust Spot

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.

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. 

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.

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