Compare Pet Insurance Providers
Compare pet insurance with ease! See how Spot plans stack up against the competition. Our guide can help you make a confident, well-informed decision about your pet's health care.
What To Consider When Looking At Pet Insurance Options?
Choosing the right pet insurance can come down to comparing key factors: policies, coverage, claims processes, and reimbursement levels. Understanding these details can help ensure you get the best value and protection for your pet.
1
Coverage
Our Accident-Only plan can offer financial support when unexpected accidents happen, with a $20,000 annual limit. For broader protection, choose our Accident & Illness plan with annual limit options of $5,000, $10,000, or unlimited.
2
Wellness Riders
Wellness riders are optional add-ons for an additional cost, available exclusively with our Accident & Illness plans. Get reimbursed for routine preventative care services like wellness exams, vaccinations, and microchip implantation.
3
Additional Benefits
Enjoy help with peace of mind with these valuable benefits. Get up to $500 reimbursement per incident for unexpected costs like trip cancellations due to your pet needing urgent, lifesaving care, boarding fees (up to $25/day) if you are hospitalized, and lost pet recovery expenses.
4
Pre-existing Conditions
Pet insurance typically doesn't cover pre-existing conditions – that's pretty standard. With a Spot plan, if your pet shows signs of an illness or injury before their coverage begins, the condition will be considered pre-existing and will not be eligible for coverage.
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Preventive Care Add-On Options
No Waiting Periods for Accidents
Annual Deductible
Multiple Pet Discounts for 2+ Pets
Accident-Only Plan Option
Multiple Annual Limit Plan Options for Accident & Illness Plans
Prescription Food
Alternative Therapies
Behavioral Issues
Sick Exam Fees
14 Day Waiting Period for Illnesses
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Included
Not included/Some inclusionsPreventive Care Add-On Options
Add-ons to a pet insurance policy that can help cover routine veterinary services for your pet to help keep them healthy year-round.
No Waiting Periods for Accidents
The period of time that must pass before coverage can begin for new eligible accidents. Waiting periods begin on the policy's effective date.
Annual Deductible
"*Spot and PetsPlusUs plan deductibles are based on the age of the pet. **Trupanion and Petsecure plans have per-condition deductibles"
Multiple Pet Discounts for 2+ Pets
*PetsPlusUs, PetSecure, OVMA, Peppermint, Desjardins, and Sonnet Pet Insurance plans only offer multi-pet discount when 3+ pets are enrolled.
Accident-Only Plan Option
Plan designed only to help cover unexpected accidents.
Multiple Annual Limit Plan Options for Accident & Illness Plans
*Petsecure and Peppermint plans have per condition annual limits
Prescription Food
"*Spot, Trupanion plans reimburse 50% of the cost, up to $500 per year. *Furkin plans limit reimbursement to up to $100/year for cats and $250/year for dogs *Pets Plus Us plans limit reimbursement to $50 for cats and $200 for dogs up to 2 months per policy year. *Peppermint plans limit reimbursement to up to $75 per year. *PHI Direct plans only cover eligible conditions for 1 policy year for the life of the policy."
Alternative Therapies
"*Trupanion and Desjardins plans require additional monthly cost to cover. *PHI Direct plans only cover eligible conditions for 1 policy year for the life of the policy."
Behavioral Issues
"*Trupanion and Desjardins plans require additional monthly cost to cover *PHI Direct plans only cover eligible conditions for 1 policy year for the life of the policy."
Sick Exam Fees
Coverage for the vet exam fee that apply to most unexpected vet visits. This can include x-rays, diagnostics, MRIs, or any other exam the vet deems medically necessary to diagnose or treat a pet.
14 Day Waiting Period for Illnesses
The period of time that must pass before coverage can begin for new eligible illnesses. Waiting periods begin on the policy's effective date.
Comparison information provided using publicly available information as of 3/5/24 for the purpose of summarizing program features, not a specific plan. Questions regarding other provider’s plans should be answered by contacting an agent of that company. It is our intention to reflect accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing customercare@spotpetinsurance.ca or by mailing PTZ Insurance Services Ltd. at 710 Dorval Drive, Suite 400, Oakville, ON, L6K 3V7.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
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.
At what age should I insure my pet?
Spot does not have an upper age limit for new enrollments and your pet will never age out of our coverage. Our best advice is that pet parents enroll their pets while they are still young, before they have the change the develop a “pre-existing condition” before they’re insured. Spot can cover kittens and puppies as young as 8 weeks old.
What is a pre-existing condition in pet insurance?
A pre-existing condition is any injury or illness that occurred or began to display symptoms either before the coverage effective date of your pet’s policy or during the policy waiting period. A condition can be considered pre-existing even if it has not been diagnosed or treated by a vet, the only factor that matters is when the condition occurred or when your pet began to experience symptoms.
While Spot plans will not cover pre-existing conditions, an injury or illness that is curable, cured, and without treatment or symptoms for a period of 180 days, is no longer considered pre-existing. The exception to this is knee and ligament injuries. If a knee or ligament injury takes place before the coverage effective date of your pet’s policy, or during the policy’s waiting period, future ones will not be eligible for coverage.
Can I be reimbursed for my pet’s routine teeth cleanings?
While Spot does not cover routine teeth cleanings under our accident-only or accident and illness base plans, pet parents who opt into an optional preventive care add-on can be reimbursed for this service.
Are exam fees covered by pet insurance?
Spot’s accident-only and accident & illness plans will cover exam fees for covered conditions. While routine wellness exams are not covered under these plans, pet parents can get cash back on wellness exams by opting into an optional preventive care add-on. These can be added to your base plan for a small fee.
