Buy Today and get a $25 Amazon Giftcard*
$25 credit*
First-time gift
On the purchase of your pet
Cancel anytime4
You can cancel anytime. Money back guarantee
No wait period in select states6
Next day wellness coverage for your puppy
Best Pet Insurance for Puppies and Kittens
America's Most Loved Pet Insurance
Get up to 90% cash back on covered vet bills
Visit any licensed vet in the U.S. or Canada
24/7 pet telehealth helpline
Get 90 days free Pawsome Pet Wellness App
Recognized by Pet Experts.Trusted by Pet Parents.
Happy Pet Parents Trust Spot 
Rated 4.7 / 5 based on 8,300+ reviews
Claims are easy to process and are paid...
Claims are easy to process and are paid in a timely manner.
Michael Risucci
Fast!
I submitted a claim and by the time I checked on it, we were already reimbursed!
Melinda Lawford
Easy claim submission and fast...
Easy claim submission and fast reimbursement. They've been very easy to work with, especiialy with the...
Kerry Swecker
10% LIFETIME DISCOUNT
Unmatched pet insurance, advice and Love
Buy Today and get a $25 Amazon gift card* and 90 Days Free Pawsome Pet Wellness App.
(Windy City Pups parents get 10%5 off every month for life)
What does pet insurance cover?
Spot’s plans can help cover what other providers don’t.
Dental illnesses(2)
Extractions, gingivitis, periodontal diseases, gum disease, and broken, chipped and fractured teeth.
Breed-specific, chronic & hereditary conditions(2)
Allergies, arthritis, cataracts, diabetes, seizures, hip dysplasia, hyperthyroidism and more.
Prescription foods(3)
Special diets, supplements, and medications.
24/7 pet health helpline
Access to a helpline for pet health, behavior, and wellness questions.
Behavioral modification
Treatment of anxiety, aggression, and other behavioral conditions.
Microchip implantation
Coverage for microchipping to help reunite lost pets with their parents.
How does pet insurance work?
Sample Vet Bill (1)
Cancer (Osteosarcoma)
Pet Name:
Neapolitan
Breed:
Giant Mix Dog
Radiation Treatment$11,250
Zolendronic Acid Injection$475
Chemotherapy Session$440
Catheter$75
Professional Services$75
Chemotherapy Supplies$30
Total vet bill$12,345
Spot plan reimbursed$11,110
1
No network restrictions
Visit any licensed vet
You choose your own vet in US or CAN.
2
Easy claim process
Send us your bill
Submit your claim online in 30 sec.
3
Fast & convenient payout
Get up to 90% reimbursed
Claims reimbursed in 48 hrs or less.
Spot plans help cover your pet from head-to-tail.
Illness
Best coverage
Diagnostics, treatments, and medications for illnesses.
Skin, eye, & ear infections
Cancer & growths
Behavioral issues
Hereditary conditions
Dental illnesses
and much more
Explore our illness coverage
Accident
Most affordable
Emergency care, surgery, and rehab for unexpected accidents.
Vet exam fees & lab tests
MRIs, CT Scans & X-rays
Surgery & hospitalization
IV fluids & medications
Medical supplies
and much more
Explore our accident coverage
Wellness
Optional add-on
Cash back for wellness exams, vaccines, and routine care.
Explore our pet wellness plansSpay & neuter
Dental cleaning
Flea & heartworm prevention
Vaccinations
Explore our pet wellness plans
and much more
When should you sign up?
Starting and maintaining an insurance policy when your pup is young and healthy will ensure greater access to available benefits over their lifetime.
As soon as you reserve your new puppy. We help cover new illness and accidents so the sooner the better. If you wait until your pet gets sick or hurt, we won’t be able to cover your vet visit.
NOTICE TO CALIFORNIA RESIDENTS Insurer Disclosure of Important Policy Provisions
Windy City Pups refers its customers to Pawsome Pet Insurance Services, LLC. Pawsome Pet Insurance Services, LLC (NPN: 19803214; CA license #6003919) is a licensed insurance agency. Pawsome Pet Company does not underwrite, administer pet insurance or pay claims, but receives compensation on sale and/or renewal.
Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms visit https://spotpet.com/sample-policy. Products, schedules, discounts, and rates may vary and are subject to change. 10% multi-pet discount is available on all pets after the first. More information available at checkout.
Insurance plans are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254) or United States Fire Insurance Company (NAIC #21113. Morristown, NJ), and are produced by Spot Pet Insurance Services, LLC. (NPN # 19246385. 990 Biscayne Boulevard Suite 603, Miami, FL 33132. CA License #6000188).
Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address.
^ Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mixed dog (11-25lbs) in 32009. Plan costs vary.
^^ Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 33801. Plan costs vary.
° 10% group discount available on every pet. Not available in HI or TN. Additional 10% multi-pet discount on all pets after the first. Discounts vary and are subject to change.
*Gift card terms and eligibility apply, not available in AK, GA, KY, MD, ND, NE, TX, VA. See spotpet.com/amz-terms.
1. Claim reimbursement is based on actual policyholder claims 2023. Claim example illustrates reimbursement based on an accident and illness policy at $75.01/month with a $500 deductible, 90% reimbursement, and an unlimited annual benefit for a 1-year-old giant mix dog. Individual reimbursement amounts may vary depending on the specific terms of the policy, including coverage selected, annual deductible, reimbursement rate, and annual limit. Individual experiences and outcomes may vary.
2. Only included with an accident and illness policy.
3. Prescription foods and supplements are covered if prescribed to treat an eligible accident or illness. They are not covered if used for weight management or general health maintenance.
4. Available if no claims have been filed and reimbursed. There is a 15-day money back guarantee in ME, LA, and WA. Not available in NY.
5. 10% group discount available on every pet. Not available in TN. Discounts vary and are subject to change.
6. No waiting periods in select states only. In CA, DE, LA, ME, MS, MT, NE, NH, OH, PA, VT, WA there is no waiting period for accidents. For details on illness waiting periods and waiver eligibility, please visit spotpet.com/important-policy-provisions
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