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.

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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.



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.

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.

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.

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.

Competitor Comparison

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Preventive Care Add-On Options

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No Waiting Periods for Accidents

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Annual Deductible

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Multiple Pet Discounts for 2+ Pets

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Accident-Only Plan Option

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Multiple Annual Limit Plan Options for Accident & Illness Plans

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Prescription Food

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Alternative Therapies

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Behavioral Issues

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Sick Exam Fees

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14 Day Waiting Period for Illnesses

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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 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.

How are My Pet Insurance Premiums Calculated?

In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible.

What is a Pre-Existing Condition?

A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed. Plans provided by Spot do not cover pre-existing conditions. However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

Can I Get Reimbursed for Routine Teeth Cleanings?

Base level plans provided by Spot do not cover routine teeth cleanings.

However, Spot accident & illness plans cover treatments for dental illnesses. The only treatment covered for dental accidents is tooth extractions.

To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.

What is the Best Age to Insure My Pet?

Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age. You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old. Don’t let your pet develop a “pre-existing condition” before they’re insured.

Does Pet Insurance Cover Exam Fees?

Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions. Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.

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