The Best Puppy Insurance Ever

  • Get up to 90% cash back on eligible vet bills

  • Coverage for puppies as little as 8 weeks old

  • 24/7 Pet Telehealth included with each plan

Top-Ranked Puppy Insurance Plans

Spot pet insurance offers affordable and comprehensive puppy insurance plans that cover your puppy from head-to-tail,
providing everything necessary to help you ensure they receive the best care.

When they’re sick

Get pet insurance for puppies including coverage for diagnostics, treatments, and prescription medication for covered conditions.

When they’re hurt

Spot plans cover emergency care, surgery, and rehab for dogs injured in unexpected accidents, helping ensure their health.

When they’re healthy

Keep up with routine wellness exams, vaccines, and more with optional Preventive Care benefits you can add to your plan.

What Do Spot Puppy Insurance Plans Cover?

Spot offers two main plans: Accident & Illness and Accident Only. You can add an optional Preventive Care plan as well.

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

Enhance your puppie's protection with the Platinum Preventative Add-on, offering additional coverage for essential services
at a cost-effective rate

Dental Teeth Cleaning

Explore Spot's puppy insurance plans with dental cleaning coverage included in preventative care options, ensuring your furry friend's health at an affordable additional cost

Wellness Exams

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

Got an older dog?

Spot offers affordable dog insurance plan options designed to cater to your furry friend at all stages of life.

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.

1

Visit Any Vet

No vet restrictions! Visit any vet in the U.S. or Canada.

2

Submit Your Claim

Send us your bill online, in our app, or via fax.

3

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!

Golden Retriever

Learn More

French Bulldog

Learn More

German Shepard

Learn More

Labrador Retriever

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Rated 4.7 / 5 based on 4,584 reviews

Pet Insurance FAQs

Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.

What do Pet Insurance Plans provided by Spot cover?

Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.

Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.

You may use any licensed veterinarian in the US and Canada.

For a full list of terms and conditions, click here to view a sample policy.

Can I Get Reimbursed for Routine Teeth Cleanings?

Base level plans provided by Spot do not cover routine teeth cleanings.  

However, Spot accident & illness plans cover treatments for dental illnesses.  The only treatment covered for dental accidents is tooth extractions. 

To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month. 

How do I Determine if My Pet Has a Pre-existing Condition?

Plans provided by Spot do not cover pre-existing conditions.  

A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.

What is the Best Age to Insure My Pet?

Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age.  You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old.  Don’t let your pet develop a “pre-existing condition” before they’re insured.

Does Pet Insurance Cover Exam Fees?

Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions. 

Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.

We lead the pack.

Get Pet Insurance Today!