Best Pet Insurance
for Dogs & Cats

  • Up to 90% Cash Back on Vet Bills*

  • Visit any Vet in Canada or the U.S.

  • Multi-Pet & Microchipped Pet Discounts

  • No per-Incident Cap, Unlimited Payouts.

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

And More, See Coverage >

Accident Only

Head-to-tail Pet coverage for unexpected emergencies, with next-day accident coverage guaranteed.

  • Surgery & Hospitalization

  • Swallowed objects

  • Toxic ingestion

And More, See Coverage >

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

And More, See Coverage >

Spot: Peace of Mind for You and Your Furry Friend

  • Up to $1000 cashback on Alternative Therapies1

  • Get Up to $500 cashback on Holiday Trip Cancellations2

  • Get Up to $500 cashback on Kennel & Boarding Costs3

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.

1

Visit Any Licensed Vet

Yep! There are no vet restrictions. Visit any vet in Canada or the U.S.

2

Submit Your Claim

Send us your bill online, via fax, or email.

3

Get Paid!

Get cash back for covered vet bills either by direct deposit or cheque – your choice.

Access Spot Perks Exclusive Promo Codes Today

As part of our mission to help pets lead happier and healthier lives, enjoy access to an exclusive list of discounts on pet essentials such as supplies, food, toys and more.

Why Spot is the Top Choice for Pet Insurance in Canada?

Join the thousands of Canadian pet parents who trust Spot for comprehensive coverage and exceptional service with fast & easy online claim processing and payouts.

Affordable Pet Insurance Plans for Cats & Dogs

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.

Cat & Kitten Plans

any breed and sizes

Dog & Puppy Plans

any breed and sizes

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Happy Pet Parents Trust Spot

Frequently Asked Questions

Have questions? 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.

Is Dental Coverage Included?

Most Spot Pet Insurance programs don’t offer dental coverage. For full details about what types of dental treatments can and cannot be covered, please review the terms and conditions of your plan.

What is a Pre-Existing Condition?

A pet’s illness or accident is considered pre-existing if the condition was onset before the 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.

What Are the Age Requirements?

You can enroll puppies as young as 8 weeks of age and adult pooches up to 10 years old. Kittens may be enrolled as young as 8 weeks of age and cats up to 12 years old. Once your pet is enrolled, they can stay on their Spot policy for life.

Dogs 12 and over and cats 13 and older can be enrolled in an Accident policy.

In cases where you don't know your pet's age, please estimate based on available medical records, shelter or rescue documentation.

Are Annual Check-Ups and Vaccines Covered? What About Spaying or Neutering?

Routine and preventative care treatments, such as annual wellness check-ups, vaccines or other treatments such as spaying and neutering or dental cleanings are not part of regular Accident & Illness plan coverage and are not available with an Accident plan’s coverage.

If you are interested in adding on this type of coverage for a little bit more each month, call to learn more about our optional wellness riders, available to add on to most Accident & Illness policies.

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*Reimbursement percent is based on your pet's age at the time of enrollment and renewal.​

1Reimbursement for the eligible costs of alternative therapies, up to $1000/year. ​

2Reimbursement up to $25/day and $500/incident if you’re hospitalized for more than 48 hours.

3Reimbursement for costs of advertising and reward paid if your pet is lost or stole