Pet Insurance
Made Easy

  • Up to 90% Cash Back on Eligible Vet Bills*

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

  • Multi-Pet Discounts Available

Click For Price

What's Covered?

Accident & Illness

  • Eligible exam fees

  • Cancer, diabetes

  • Respiratory infections

And More, See Coverage >

Accident Only

  • Surgery & hospitalization

  • Swallowed objects

  • Toxic ingestion

And More, See Coverage >

Preventive Care Add-Ons

  • Dental cleaning

  • Spaying or neutering

  • Annual wellness exams

And More, See Coverage >

How Pet Insurance Plans by Spot Work


Visit Any Vet

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


Submit Your Claim

Submit your claim online, via fax, or email - it's quick and easy.


Get Paid!

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

Affordable Pet Plan Options for Cats & Dogs

Life is full of surprises. Spot Pet Insurance can help pet parents plan for them through easy and simple plan options that can be used at your licensed vet in Canada or the U.S.

Cat & Kitten Plans

Dog & Puppy Plans

Frequently Asked Questions

Have questions about pet insurance and how it works? 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.

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