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Spot Pet Insurance's 2025 Wrapped: Insights into Pet Health Trends

Spot Pet Insurance has recently unveiled its annual report, the "2025 Wrapped," shedding light on the pivotal trends, costs, and care patterns that defined pet ownership throughout the year. As pet health continues to gain attention, this year's findings reveal significant shifts that every pet owner and potential pet parent should know about.

Overview of Claims Trends in 2025

In 2025, Spot processed a diverse array of accident and illness claims. Notably, the report highlighted the embrace of responsible pet ownership, evidenced by over 12,600 claims for microchip implantation. This growing trend signifies that more owners are emphasizing the importance of tracking and ensuring their pets' safety.

The report outlined the common causes of accidents, emphasizing injuries such as lameness, fractures, eye injuries, and dental issues. Illness claims predominantly related to stomach problems, allergies, urinary issues, skin conditions, and respiratory ailments—all of which pose significant financial burdens on families. Here are some key statistics from the year:

• - The average claim cost saw an increase, jumping to $456 from $439 in 2024.
• - The highest reimbursement for a single illness reached an astounding $34,917, while the largest accident reimbursement peaked at $16,390.
• - July recorded the most claims, with a total of 77,612 filed—largely attributed to increased outdoor activities and heat-related incidents.

State-by-State Analysis of Claim Costs

The report further detailed how veterinary service costs are rising across the nation, aligning with the data from the Bureau of Labor Statistics, which reported a 7% increase in vet expenses from May 2023 to May 2024. Certain states experienced notable price hikes. For instance, Idaho witnessed the steepest rise with an eye-watering 20% increase in merely one year. In contrast, states like Texas saw a significant decline, with a 24% drop in average claim costs.

Insights by Breed: Insurance Costs for Pets

Spot Pet Insurance meticulously analyzed different dog and cat breeds, unveiling stark contrasts in insurance costs due to factors like size, genetics, and breed-specific health risks.

Most Expensive Dog Breeds to Insure:

1. Wetter hound
2. Schiller Hound
3. Puli
4. American Alsatian
5. Spanish Water Dog
6. Azawakh Hound
7. Komondor
8. Saluki
9. Kuvasz
10. Dogue De Bordeaux

Least Expensive Dog Breeds to Insure:

1. Olde Boston Bulldogge
2. Entlebucher Mountain Dog
3. Poitevin
4. Scottish Terrier Mix
5. Stabyhoun
6. Great Bernese
7. Ainu Dog
8. American Water Spaniel
9. Briard
10. Mudi

Most Commonly Insured Dog Breeds:

• - French Bulldog
• - Golden Retriever
• - Labrador Retriever
• - Shih Tzu
• - Goldendoodle
• - German Shepherd

Most Expensive Cat Breeds to Insure:

1. Chinchilla
2. Pixie Bob
3. Khao Manee
4. European Burmese
5. Exotic Shorthair
6. Sphynx
7. Persian
8. Balinese
9. Oriental
10. LaPerm

Least Expensive Cat Breeds to Insure:

1. Pinto
2. Singapura
3. Minskin
4. Highland Lynx
5. American Bobtail
6. Colorpoint Shorthair
7. Bombay
8. American Longhair
9. American Shorthair
10. Chartreux

Popular Pet Names of 2025

The statistics on pet names show slight shifts in preferences, with Milo being the most common male name for 2025, tallying 1,735 pets. In the female category, Luna took the lead with 3,187 instances. Owners seemed to prefer names that convey warmth and familiarity, leaning towards human-like names for their beloved companions.

Growth of Pet Insurance in the Workplace

An important revelation from the report is the surge in companies incorporating pet insurance as part of their employee benefits. The availability of Spot Pet Insurance plans skyrocketed by 57% from November 2024 to November 2025. This significant growth illustrates the rising demand among employees who recognize the financial challenges associated with pet care.

Trust and Reliability

Concluding the year, Spot Pet Insurance celebrated a Trustpilot score of 4.7 out of 5 from nearly 10,000 reviews, with efficient claim processing times averaging around three days. As owners navigate the complexities of pet health, Spot continues to maintain customer trust by delivering timely support and resources.

Conclusion

As the costs of pet healthcare inevitably rise, owners are now more informed and proactive about securing insurance at earlier stages in their pets' lives. The trends and data from 2025 not only highlight economic factors at play but also the ever-growing bond between pets and their families. Through insightful revelations in this year's report, Spot Pet Insurance reaffirms its commitment to supporting pet owners in navigating the challenges ahead.