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
A puppy life saver
A puppy life saver
Excellent service
Excellent service
The claim was easy
The claim was easy. I was expecting a bit if a hassle because of the claim amount but there wasn't one. I made sure to submit all the required documents up front when initiating the claim and in two weeks my claim was processed and approved without a problem.
Quick and reliable
Quick and reliable
Great service
Great service. Fast. Excellent refunds
Thank God for Spot Pet Ins
Diesel my 7 year old Chihuahua became quite ill on Friday May 29th. He stopped eating and drinking. That night he began scream-crying due to horrific pain. Sat morning he couldn't lift his head. I thought he was dying. I took him to an Emergency Animal hospital. X-ray showed a small square object in his stomach. Once surgically removed, the vet noticed irritation on his intestine. She opened to find a foreign object blocking any bowel movement. My vet bill was $4213.61. Submitted a claim on June 1 and received payment on June 11. After deductible, Spot Pet covered 80%. My cost: $1242.72. Thank God for Spot Pet insurance. Thank you! Thank you!
So happy I chose Spot!
I have no complaints at all about Spot pet insurance! I've had dogs for most of my life and this is the first time I have bought pet insurance. I'm so glad that I chose Spot and we couldn't be more pleased with their service! The claim process is simple and completed in a very timely manner.
Fast response after sending claim
Fast response after sending claim
SPOT Delivered on Their Promise
I’ve had a great experience with SPOT Pet Insurance. Recently, my senior rescue cat needed a treatment that cost several thousand dollars. I submitted all the required records, and once SPOT received the documentation, my reimbursement was processed without any issues. What I appreciate most is that SPOT has not raised my premiums because of my cat’s age, unlike some other pet insurance companies. One company I contacted wouldn’t even cover pets over 13 years old. The condition my cat was treated for developed after she was enrolled, and SPOT honored the coverage as promised. The claims process was easy, the reimbursement was fair, and SPOT has not disappointed me. I highly recommend them to other pet owners.
I have not had a need to really use the…
I have not had a need to really use the insurance up until now. Our kitty is normally very healthy and happy. But, that seemingly changed in an instant that he was lethargic and not eating. Although the vet did not isolate the exact cause of the fever, the IV fluids and antibiotic brought him out of the illness. I am very thankful to Spot for standing with me during this ordeal. It was overwhelming.
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?
What Types of Pet Insurance Plans Does Spot Offer?
Spot offers accident-only and accident-and-illness base plans, as well as two optional preventative care add-ons.
Our accident-only plan can help cover the eligible costs for unexpected vet bills related to accidents, including coverage for vet exam fees, hospitalizations, dental injuries, prescription medications, emergency care, and more. Learn more about what dog insurance covers here.
Spot's accident and illness plans include all the benefits of an accident-only plan and can also help cover the eligible costs for conditions, including hereditary illnesses, digestive issues, cancer, alternative therapies, and more!
Our preventative care add-ons can help cover the eligible costs of routine veterinary services, including vaccines, dental cleanings, flea and heartworm preventatives, and more!
Learn more about dental coverage for dogs and cats
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.
