Pet Insurance Affordable insurance
for dogs and cats

More wagging, less worrying. Get a free pet insurance quote from Spot

4.9 stars
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We’ve helped thousands find the perfect insurance and we’d like to help you too.

Friendly, knowledgeable and just plain awesome…

The team at Rate Insurance continues to exceed our expectations by far. From day one, the insurance experts have been customer friendly, knowledgeable and just plain awesome. They care about you in every way.”

Henry P Verified Customer
No one tried to “sell” me…

Everyone I dealt with knew my name, knew my coverage and answered my questions in terms I could grasp. No one tried to “sell” me. I will continue to do business with these people, now and in the future.”

Christopher J Verified Customer
was fantastic to work with…

Guaranteed Insurance was fantastic to work with both as a partner and as a client.”

Nathan M Verified Customer

What is pet insurance and how does it work?

Pet insurance can help cover the cost of eligible veterinary care for your pet. Spot Pet Insurance plans offer a range of benefits to help make pet healthcare more affordable and accessible.

Most pet insurance plans are customizable, meaning that pet parents can select an annual deductible, annual limit, and reimbursement rate from a range of options. This helps pet families choose a plan that can help cover the needs of their pet and fit within their budget.

There are three main types of pet insurance coverage:

Accident only coverage

Accident-only plans offer basic coverage for veterinary expenses related to the treatment of unexpected accidents like injuries from falls, fights, or car accidents. The most affordable plan option, it typically includes vet exam fees, diagnostics like X-rays and MRIs, surgery, hospitalization, medications, and some alternative therapies.

Accident and illness coverage

This more comprehensive plan includes everything covered under accident-only plans, plus veterinary expenses related to illnesses. This can encompass a wide range of health issues such as infections, hereditary conditions, cancer, diabetes, and even behavioral problems.

Wellness and preventative care coverage

Preventive care coverage cannot be purchased alone; it’s an add-on to a base plan (either accident-only or accident and illness). It helps cover routine and preventive care services such as vaccinations, annual check-ups, dental cleanings, and flea/heartworm prevention.