Get up to 90% cash back on eligible vet bills
Visit any vet in the U.S. or Canada
24/7 Pet Telehealth included with each plan
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Top-Ranked Pet Health Insurance Plans for Dogs
Spot pet insurance offers affordable and comprehensive dog insurance plan options that can cover your dog from head-to-tail, providing everything necessary to help you ensure they can receive the best care.
When they’re sick
Get pet insurance for dogs, 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.
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What Does Dog Health Insurance Cover?
Spot Pet Insurance helps with unexpected vet bills from accidents and illnesses like human health insurance. Spot offers two plans for dog owners: accident & illness and accident only. You can also add an optional Preventive Care add-on as well.
Plan Options
eligible diagnostics and treatments for costly accidents and illnesses:
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)
What Does Dog Preventative Care Include?
Adding a preventative care add-on to your pet insurance plan allows reimbursement for routine veterinary services including wellness checks, vaccines, and other preventive measures that help keep your pet healthy. Preventative care coverage has no deductible or waiting period, meaning you can start using these benefits the next day.
Early Detection
Early detection can help with potential health issues, which can lead to prompt intervention and improved treatment outcomes.
Disease Prevention
Vaccinations and preventive measures can protect dogs from common and serious diseases, helping ensure their overall well-being.
Cost Savings
Proactive care can help prevent costly treatments by addressing health concerns before they escalate, potentially saving both money and suffering.
Long-Term Health
Regular check-ups, vaccinations, nutrition, dental care, and preventive medications can contribute to a dog's overall health, longevity, and higher quality of life.
Behavioral Well-Being
Preventive care can support behavioral health, helping address issues early and fostering a harmonious relationship between dogs and their owners.
Peace of Mind
Knowing that a dog can receive regular preventive care helps provide owners with peace of mind that they are actively contributing to their dog's health.
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Dog Dental Care Coverage
Spot offers coverage for eligible dental illnesses & extractions throughout accident and illness plans, and can help cover the cost of dental cleanings with an optional preventative care add-on.
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Dog Wellness Plans by Spot
Spot’s preventative care add-ons can help cover the eligible costs of routine veterinary services for your pet including: vaccinations, preventive screenings, annual exams, dental cleanings, and more. By helping to manage these costs, wellness plans help encourage more consistent veterinary visits, which can lead to early detection and treatment of potential health issues.
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How Much Does Dog Insurance Cost?
Spot’s plans can start as low as $15 per month,2 but premiums can range depending on the reimbursement rate, coverage, and annual limit you select for your pet’s plan, along with your pet’s age, breed, and your location. Follow the link below to customize a plan for your pet and get your free quote.
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Most Common Dog Health Conditions
In this chart, you can see what the most common dog health conditions are along with how much they cost*.
*Jan 2019 to May 2024 administrator claims data
Dog insurance that’s easy!
Spot makes it simple for pet parents to submit a 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.
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Happy Pet Parents Trust Spot
It's Easy!
My vet's office doesn't file claims. However, the online claims process for Spot Pet Insurance is easy and quick. Just download the form. Fill out. Send back. Notification of receipt and processing are sent quickly. Reimbursement arrives is a reasonable amount of time.
Peter Loewy
Great at processing claims.
Great at processing claims.
Mike Idom
helpful
helpful, patient to explain the coverage.
Sonnie Manalang
Quick and easy filing of claims and…
Quick and easy filing of claims and completion of claims.
Lorri Galloway
When accidents /injury happens
When accidents /injury happens, Spot was there and easy to navigate the estimate and claim filing.
pam boland
Filing a claim was quick and easy
Filing a claim was quick and easy! You don’t have to upload files you can simply take a picture of the bill (vet records) with your phone. Check was mailed right away! So easy!
Shelly Bigelow
Straightforward. No games.
Spot has renewed my faith in the crummy insurance industry. I did my homework and read horror stories of tricky claims denials before going with Spot because they had more positive customer experience reviews. I wanted something with affordable premiums and more importantly, something I could actually use with real humans who will help me, when I actually needed it. Look…no one wants to buy - much less use -insurance. But when you need it, choose a company with some integrity. Who wants to keep paying premiums and then never actually get reimbursed when you need the coverage? Not me! With Spot, my naughty puppy’s accident and illness were both covered as agreed to and I got my claims approved quickly. No games, no gimmicks, no gotchas.
Arlo’s Mom
they do what they promise to do
If you read the fine print and understand the policy—I don’t see any reason to be upset. Every new illness invoice I’ve ever filed has been covered without an issue. It’s actually super easy to file claims too. The app lets you submit an invoice and explanation with the claim, and then the reimbursement goes through in a couple of weeks (after the deductible and coinsurance, ofc) . I am also happy with the premium I pay to take care of my baby. Her first year, the coverage they provided actually exceeded the cost of the premium I paid. I expected a premium increase because of this but I was happy to see they didn’t increase my premium. Spot is totally worth every penny.
Anabel
Great coverage and quick response time!
Great coverage and quick response time!
Suzanne Gorgas
Exceeded my expectations!!!
I had about 5 choices of companies that my work partners with for pet insurance. I initially went with spot due to its adjustability. I liked I could pick my deductible, yearly coverage amount, etc. having a puppy I added the wellness package as well. Unfortunately my puppy ended up getting severe allergies and we had to take her to a dermatologist for testing, which was more than I expected. Long story short she put on allergy shots and 5 other oral meds to help clear her skin. The claims process was soooo easy, fast and they stuck by their word. Since it was not preexisting it was all covered. I will say the preventative is covered at a baseline cost so if your vet charges more you will get the base amount reimbursed, it’s still saving!!! I will keep spot pet insurance forever and have recommended it to every one I come into contact with.
Amanda
Dog Insurance FAQs
Do Dogs Need Insurance?
While pet insurance is not mandatory, enrolling your pet in a Spot plan can offer valuable peace of mind by reimbursing 90% of eligible vet bills. This can help pet parents manage unexpected veterinary expenses and help ensure that their pets can receive the care they need with less financial strain.
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, prescription medications, and more.
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!
Why Do Pet Insurance Premiums Go Up?
Yes, sometimes pet insurance premiums can go up. These necessary increases provide you the opportunity to help get your pet the best medical treatment options available for eligible conditions. The premium increase is necessary to help keep up with the rising costs of veterinary care and inflation.
Additionally, your premium will be affected by your pet's age, as the risk for more costly claims grows higher. Spot strives to offer plans with coverage that continue well into your pet's old-age by not placing upper-age limitations on coverage or enrollments.
Your individual premium will not increase due to filing a claim.
Does Dog Insurance Cover Neutering?
With the purchase of a Platinum preventative care add-on, your Spot plan can help cover the eligible costs of neutering.Learn more about dog neutering coverage here.
Does Dog Insurance Cover Spaying?
Spaying coverage is available under our Platinum preventative care add-on. This package can be added to your accident-only or accident and illness base plan, and can help cover the eligible costs of routine vet services like; vaccinations, dental cleanings, spaying, and more!