The Best Puppy Insurance Ever

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

  • Coverage for puppies as little as 8 weeks old

  • No lifetime caps

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.

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 you ensure their health.

When they’re healthy

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

What is covered in Spot puppy insurance plans?

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

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

Vet Exam Fees

X-rays & Tests

X-rays & Tests

Emergencies & Hospitalizations

Emergencies & Hospitalizations

Skin, Eye, and Ear Infections

Skin, Eye, and Ear Infections

Hereditary Conditions

Hereditary Conditions

Digestive Illnesses

Digestive Illnesses

Hip Dysplasia

Hip Dysplasia

Cancer & Growths

Cancer & Growths

Preventative Care for Puppies**

Preventative Care can be 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 puppy's protection with optional preventative care add-ons, offering additional coverage for essential routine services at a cost-effective rate.

Dental Teeth Cleaning

Explore Spot's puppy insurance plans with add-on dental cleaning coverage, included in the Advanced preventative care option, helping ensure your furry friend's health.

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.

**Preventative care add-on is only eligible for levels 2, 3, and 4.

Got an adult dog?

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

Puppy insurance that’s easy!

Spot makes it simple for pet parents to submit a puppy insurance claim and receive reimbursement for eligible services.


Visit Any Vet

Yep! There are no vet restrictions. Visit any vet in Canada or the U.S.


Submit Your Claim

Send us your bill online, via fax, or email.


Get Paid!

Get cash back for covered vet bills either by direct deposit or cheque – your choice.

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

Learn More

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

Learn More

Pet Insurance FAQs

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

What Does Pet Insurance Cover?

Pet insurance can put money back in your pocket for veterinary costs needed to diagnose, treat, and manage an eligible condition. Exams and rechecks, x-rays, ultra-sounds, bloodwork, surgeries, stitches, medication, and prescriptions, and even prescription diets are all examples of costs that can be claimed for if they are used to treat or diagnose a covered condition.

Is Dental Coverage Included?

Most Spot Pet Insurance programs don’t offer dental coverage. For full details about what types of dental treatments can and cannot be covered, please review the terms and conditions of your plan.

What is a Pre-Existing Condition?

A pet’s illness or accident is considered pre-existing if the condition was onset before the policy coverage effective dates, or during a waiting period. This means if the first signs or symptoms of a condition showed up before coverage started, it would be considered pre-existing to coverage, even if it was not formally diagnosed. The most common reason why an illness or an accident is not covered by any pet insurance provider is if the condition was present before coverage started. For coverage to be available with almost all types of insurance, the problem must be new and unexpected.

For example, if typical symptoms of allergies (itchy skin, ear infections) were present before the coverage was effective or appeared within the waiting period of the policy, the allergies and related conditions, such as itchy paws and pyoderma, would be pre-existing to coverage.

What Are the Age Requirements?

You can enroll puppies as young as 8 weeks of age and adult pooches up to 10 years old. Kittens may be enrolled as young as 8 weeks of age and cats up to 12 years old. Once your pet is enrolled, they can stay on their Spot policy for life.

Dogs 12 and over and cats 13 and older can be enrolled in an Accident policy.

In cases where you don't know your pet's age, please estimate based on available medical records, shelter or rescue documentation.

Are Annual Check-Ups and Vaccines Covered? What About Spaying or Neutering?

Routine and preventative care treatments, such as annual wellness check-ups, vaccines or other treatments such as spaying and neutering or dental cleanings are not part of regular Accident & Illness plan coverage and are not available with an Accident plan’s coverage.

If you are interested in adding on this type of coverage for a little bit more each month, call to learn more about our optional wellness riders, available to add on to most Accident & Illness policies.

We lead the pack.

Get Pet Insurance Today!

*Reimbursement is based on your pet's age at the time of enrollment and renewal.