Pet Insurance Made Easy!
With our pet insurance plans, you can make sure your pets get the best care without breaking the bank. Whether your pet needs routine check-ups, emergency treatments, or specialized care, we’ve got you covered.
Visit Any 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.
What do Spot® Pet Insurance Plans cover?
Spot provides budget-friendly pet insurance plan options for your pet's medical needs. Our insurance plans ensure reliable coverage, giving you peace of mind. Spot’s policies provide coverage for from head to paw, including emergencies, illnesses, and behavioral treatments. Additionally, we offer optional wellness plans for regular check-ups, helping to keep your furry friend healthier and happier.
Accident & Illness
Spot Pet Insurance 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 pet routine care and regular check-ups at the vet.
Dental cleaning
Spaying or Neutering
Annual wellness exams
Unlock up to $1500 in savings with exclusive Spot Perks4
As part of our mission to help pets lead happier and healthier lives, we bring you a curated list of premium partner discounts for added savings. Enjoy access to an exclusive list of discounts on pet essentials such as supplies, food, toys and more.
Affordable Pet Insurance Plans for Dogs & Cats
Life is full of surprises, but your pet's health shouldn't be one of them. Spot has plans that pay for visits to any licensed vet in Canada or the U.S. You can get up to 90% back on eligible vet costs. Ensure your pet's well-being with Spot® Pet insurance. Prioritize their care, not the cost.
Don’t forget about our multi-pet discounts! If you have more than one pet, you can save even more on your insurance premiums. And for those who have microchipped pets, we offer additional savings to help you protect your beloved companions.
Happy Pet Parents Trust Spot
Spot is a great pet insurer
Spot is a great pet insurance company. They’re quick to reply to claims, trustworthy, affordable and have transparent policies in place. Very much recommend their services.
sad for my lost but graceful to have…
sad for my lost but graceful to have support
Wonderful company
I’ve never had insurance for a pet before but every interaction with spot has been easy and friendly! I highly recommend this company and getting insurance. Once you need it it’s hard to understand why I’ve never gotten it before.
Easy to use claim submission
Easy to use claim submission and very helpful customer service.
The service was fast and great
The service was fast and great. Thank you very much!
Great experience so far
Straight forward process to submit claims and quick turnaround for reimbursement. Great experience so far. I have recommended Spot Insurance to other pet owners.
They are wonderful to deal with and I…
They are wonderful to deal with and I get my refund within days. I know I picked the right pet insurance for my cat Hemi. He’s in good hands with spot!
The Best Insurance for Pet Owners!
I couldn’t be happier with Spot Pet Insurance! It’s the perfect choice for pet owners looking for a reliable, budget-friendly plan. I have two puppies, and I’ve already had to submit multiple claims—each one has been reimbursed without any hassle. The process is smooth, the coverage is great, and knowing my pets are protected gives me peace of mind. I highly recommend Spot Pet to anyone who wants quality insurance without breaking the bank!
Fast and efficient processing of my…
Fast and efficient processing of my claim. I highly recommend
Service
Very helpful and understandig
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?
Yes, you can visit any licensed veterinarian, specialty clinic, or emergency clinic in Canada or the U.S. Learn how Spot Pet Insurance works with vet offices and clinics
