Top-Rated
Pet Insurance
for Dogs & Cats

Spot is one of Canada's leading pet insurance providers, trusted by thousands of pet parents who’ve saved up to 90% on eligible vet bills. Whether you're at home in Canada or traveling in the U.S., Spot offers flexible coverage without network restrictions—you can visit any licensed vet, anytime.

Pet care isn’t cheap, and costs are only rising. In 2023, Canadians spent an estimated $9.3 billion¹ on veterinary services alone, according to the Canadian Veterinary Medical Association. The annual cost of pet ownership now averages $4,200² for dogs and $2,900³ for cats, based on data from the Ontario Veterinary Medical Association. These rising costs make pet insurance not just helpful—but essential.

Spot helps you manage those expenses with customizable coverage options, fast claims processing, and peace of mind knowing you’re pet is covered from nose to tail.

1. Canadian Animal Health Institute (2022). Biennial pet population survey
2. Canadian Veterinary Medical Association (2024). The Economic Impacts of Veterinary Medicine in Canada
3. Ontario Veterinary Medical Association (2023). Cost of care - feline

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.

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”.

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.

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.

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