Spot Pet Insurance vs. Desjardins

Considering Desjardins? Here Are 5 Reasons to Choose Spot Pet Insurance Instead

1. Desjardins Doesn't Cover Prescription Food. Spot Does.

Spot Pet Insurance plans can help you manage your pet's eligible conditions by offering coverage for prescription food — up to 50% of the eligible cost, with a maximum of $500 annually. This coverage can help support your pet's well-being and can help with the ongoing eligible expenses of your pet's covered conditions. Desjardins does not cover food, including prescription and therapeutic diets.

2. Desjardins Doesn't Offer an Accident-Only Plan. Spot Does.

Spot Pet Insurance offers pet parents both Accident-Only and Accident and Illness plan options, so they can choose the plan that best fits the needs and budget of their pet. Desjardins does not offer an Accident-Only plan option.

3. Desjardins Only Includes Alternative Therapies on Its Top Plan Tier. Spot Includes It Standard.

Spot's base Accident and Illness plans include coverage for up to $1,000 annually toward eligible alternative therapies to treat a covered condition. Desjardins only includes alternative therapy coverage with its top-tier Gold Paw plan, or as a paid add-on (up to $350 per category) on the Silver Paw plan — it isn't included standard the way Spot's is.

4. Desjardins Has a 48-Hour Waiting Period for Accidents. Spot Doesn't.

Pets enrolled in a Spot plan are eligible for next-day coverage for accidents. Desjardins has a 48-hour waiting period before accident coverage begins.

5. Desjardins' Multi-Pet Discount Doesn't Start Until 3 Pets. Spot's Starts at 2.

At Spot Pet Insurance, our goal is to help pet parents get their pets the care they need. We offer a 5% multi-pet discount on both pets when 2 pets are enrolled, and a 10% multi-pet discount on all pets when 3 or more pets are enrolled. Desjardins doesn't offer a multi-pet discount until you enroll 3 or more pets.

FAQ

Does Desjardins pet insurance cover prescription food?

No — Desjardins does not cover food, including prescription and therapeutic diets. Spot plans can help cover up to 50% of the eligible cost of prescription food, up to $500 a year.

Does Desjardins offer an accident-only pet insurance plan?

No — Desjardins does not offer an Accident-Only plan option. Spot offers both Accident-Only and Accident and Illness plans.

Does Desjardins cover alternative therapies?

Only on its top-tier Gold Paw plan, or as a paid add-on (up to $350 per category) on the Silver Paw plan. Spot includes up to $1,000 a year in alternative therapy coverage standard in its base Accident and Illness plans.

How long is the waiting period for accident coverage with Desjardins?

Desjardins has a 48-hour waiting period before accident coverage begins. Spot offers next-day accident coverage with no waiting period.

Does Desjardins offer a multi-pet discount?

Yes, but only when you enroll 3 or more pets. Spot's multi-pet discount starts at 2 pets enrolled (5%), increasing to 10% for 3 or more.

Choose Spot if You Want Standard Alternative Therapy Coverage and No Accident Waiting Period

Spot offers next-day accident coverage, an Accident-Only plan option, prescription food coverage, and $1,000 a year in alternative therapy coverage included standard — protections Desjardins either doesn't offer or only includes on its most expensive plan tier.

_{Comparison information is provided using publicly available information as of September 2, 2026 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans is not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep the 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 marketing@spotpetins.com.}