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
Puppy insurance that’s easy!
Spot makes it simple for pet parents to submit a puppy 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 Puppy Insurance by Breed
Learn about your puppy’s characteristics, personality, and more today!
Happy Pet Parents Trust Spot
Clear expectations and quick reimbursement!
They were clear on what was needed from the vets office to finalize the transaction! The reimbursement was quick and easy which I was thankful for since I had never had pet insurance prior.
Very easy to submit claims and coverage…
Very easy to submit claims and coverage is well priced!
Fast and efficient reimbursement
Fast and efficient reimbursement. Thank you!
The response to my claim was timely and…
The response to my claim was timely and efficient.
My dog had emergency surgery after…
My dog had emergency surgery after swallowing a rock and I got repayment very rapid very very happy with with the insurance
Submitting a claim is fairly simple
Submitting a claim is fairly simple. The response time is very good. The EOB’s are easy to understand. I really appreciate SPOT PET insurance.
Amazing service and coverage!
Everything about the "Spot Pet" insurance experience was excellent. Ease in signing up, ease in submitting a claim, and timely manner of providing a benefit payment. Having my pet injured was stressful but Spot made it easier in providing great coverage and service!
Timely notification of the claim…
Timely notification of the claim progress. Your claim is taken care right away without any hassle. Please so far with the outcome of this pet insurance.
The support and care I receivedCare That Truly Makes a Differencewere…
The support and care I received were exceptional. Health is wealth, and Spot Pet truly reinforces that.
Exactly as we hoped it would be
Very happy with Spot. My kitty began coughing and breathing oddly and we took him to the vet. After further testing he was diagnosed with Asthma. We submitted invoices to Spot and after our deductible everything has been reimbursed at the rate specified, no questions asked and reimbursement sent in less than a week.
Puppy Insurance FAQs
How Much is Puppy Insurance?
Spot puppy insurance plans start as low as $15 per month^.
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, puppy insurance can be worth it for many reasons. With a puppy insurance plan from Spot, pet parents can get up to 90% cash back on covered vet bills, helping manage the cost of unexpected vet care over time, especially as your pet ages. Enrolling your puppy early can also help avoid pre-existing conditions that can develop as your pet ages.
For more information, read this article.
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.
