What's Covered with Spot Pet Insurance Plans?
Spot offers affordable plans to give you peace of mind and reliable coverage for your pet from nose-to-tail, providing everything necessary to help you ensure they can receive the best pet care at the vet in case of accidents, illnesses and routine wellness checkups.
Accident & Illness
Spot Pet covers anything from emergencies to exams for qualified illnesses and related treatment.
Eligible exam fees
Cancer, Diabetes
Respiratory infections
Accident Only
Head-to-tail Pet coverage for unexpected emergencies, with next-day accident coverage guaranteed.
Surgery & Hospitalization
Swallowed objects
Toxic ingestion
Preventive Care Add-Ons
Optional Preventive Care plans focused on routine care and regular check-ups at the vet.
Dental cleaning
Spaying or Neutering
Annual wellness exams
Pet insurance that’s easy!
Spot makes it simple for pet parents to submit a pet insurance claim and receive reimbursement for eligible vet expenses.
Visit Any Licensed 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.
Affordable Pet Insurance Plans for Dogs & Cats
Life's unpredictable. Your pet's health shouldn't be. Spot's plans provide coverage at any licensed vet in Canada or the U.S. with up to 90% cash back on covered vet bills. Ensure your pet's well-being with Spot® Pet insurance. Prioritize their care, not the cost.
Happy Pet Parents Trust Spot
Claim issue
Great service. Fixed issue immediately
Prompt and professional
Prompt and professional
Your Customer Service is excellent and…
Your Customer Service is excellent and your reimbursement payments prompt! I have had exceptional service working with Julia!
Timely reimbursement
Easy online service, quick reimbursement
Excellent insurer
We have made several claims and have never had any issues. Spot processes the claims very speedily. Can't recommend them enough!
Process for submission is easy and…
Process for submission is easy and customer service support team is friendly if you have any questions.
Quick reimbursement and reasonable…
Quick reimbursement and reasonable premium
quick resolution
quick resolution, friendly staff and fair payback.
Very reliable company
Very reliable company, great customer service and almost instantly received my money back, thank you spot.
Love Spot Pet Insurance!
I only ever had one issue with a claim that was easily resolved and I didn't have to call in, I'm able to message them straight from my client portal. Super helpful and less time consuming!
Frequently Asked Questions
Have questions about pet insurance? 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.
When is the ideal time to get pet insurance for my pet?
Plans provided by Spot can insure puppies and kittens 8 weeks and older. We recommend that pets be insured while they are still young; before they develop any “pre-existing conditions”.
What determines the cost of my pet insurance premium?
There are multiple factors that can affect the cost of a pet insurance premium including the age and breed of your pet, your location, and your plan configuration. Spot’s accident-only and accident and illness base plans can be customized by selecting a deductible, reimbursement rate, and annual limit from a variety of options, each which help configure the cost of your monthly premium. Selection of an optional preventive care add-on or eligibility for a multipet discount can also affect the cost of your premium.
What is a Pre-Existing Condition?
A pet’s illness or accident is considered pre-existing if the condition was onset before the pet insurance 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.
Do All Vets Take Spot Pet Insurance?
You can visit any licensed veterinarian, specialty clinic, or emergency clinic in the Canada or the U.S. Learn more about the costs of emergency vet care here.