Get up to 90% cash back on eligible vet bills
Coverage for kittens as little as 8 weeks old
24/7 Pet Telehealth included with each plan
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Top-Ranked Kitten Insurance Plans
Spot pet insurance offers affordable and comprehensive kitten insurance plans that cover your kitten from head-to-tail,
providing everything necessary to help you ensure they 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 Do Spot Kitten 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
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)
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Preventive Care for Kittens
While kittens may have the reputation for nine lives, it's still wise to have a preventive care plan in place to help keep them safe from potential harm.
Spaying or Neutering
Enhance your kitten'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 kitten insurance plans with dental cleaning coverage included in preventative care options, helping ensure 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.
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Got an older cat?
Spot offers affordable cat insurance plan options designed to cater to your furry friend at all stages of life.
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Kitten insurance that’s easy!
Spot makes it simple for pet parents to submit a kitten insurance claim and receive reimbursem*nt 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 Kitten Insurance By Breed
Learn about your kitten’s characteristics, personality, and more today!
Bengal
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British Shorthair
Learn More
American Shorthair
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Maine Coon
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See More Breeds >
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Happy Pet Parents Trust Spot
Rated 4.7 / 5 based on 4,737 reviews
PEACE OF MIND
I've had SPOT for almost a year now and they've been the best! I finished my deductible for one of my puppies and received the difference from my reimbursem*nt in a check a couple of weeks later. They ask for medical reports and invoices (which makes the process go by faster), and once reviewed they give you a detailed message on your claim status. They explain why some things weren't covered and other details!@Frenzy.trio on instagram if you have questions!
Evelyn Gonzalez
Claims are easy to submit and hassle…
Claims are easy to submit and hassle free. I don’t have to worry about vet bills much when my puppy gets sick. Customer service is good too.
Adi
Great company
Great company, took a few minutes to work on my claims. I would recommend Spot to anyone!
Sally patterson
I’ve been dealing with agent Laura
I’ve been dealing with agent Laura. She’s very knowledgeable and helpful. She’s a pleasure to speak to.
MaryLou Memmo
Vet Visit
They made my vet visit much easier.
Ronald C Fox
Claims very easy to submit
Claims very easy to submit. It was quickly approved, and funds were transferred to my bank account. Website is very easy to navigate and information is very well laid out for what was approved and for how much. Very happy with my choice of provider amongst the options available.
David Finley
easy to submit invoice
easy to submit invoicequick verificationquick reimbursem*nt
Deborah Berggren
when i summited the claim it was done…
when i summited the claim it was done and back to me in three days job well done.
Lloyd Smith
Spot insurance has been excellent so…
Spot insurance has been excellent so far. Several claims I submitted was easy to submit and handled quickly. The insurance price is reasonable .
Gerald Hopkins
Claims were processed efficiently
Claims were processed efficiently. I was pleased with the service and so glad I had decided to insure my pets with Spot!
Shannon
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, . 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.
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