Compare Spot Pet Insurance vs. DesJardins Pet Insurance
Unexpected vet bills can be a financial burden, especially when they arise from unexpected illnesses or accidents. Pet insurance offers a valuable safety net by covering a portion of these costs, providing pet owners with peace of mind. However, with so many pet insurance providers and plans available, choosing the right one can be overwhelming.
Spot Pet Insurance is committed to transparency and helping you make an informed decision. Let's compare our plans with those offered by Desjardins Pet Insurance to find the ideal coverage for your beloved pet. We'll delve into key factors such as coverage limits, deductibles, waiting periods, and reimbursement rates. By understanding the differences between these plans, you can confidently select the one that best suits your pet's needs and your budget.
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.
Spot Pet Insurance Plans vs. Des Jardin Pet Insurance Plans
Accident-Only Plan Options
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 of their pet and their budget. Desjardin Pet Insurance does not have an Accident-Only plan option.
Prescription Food
Spot Pet Insurance plans can help you manage your pet's eligible conditions by offering coverage for prescription foods – 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. Desjardin Pet Insurance does not offer prescription food coverage under their plans.
Alternative Therapies and Behavioral Issues
Spot’s base plans include coverage for up to $1,000 annually toward eligible alternative therapies to treat a covered condition. Desjardin Pet Insurance plans do not offer coverage for alternative therapies.
Conclusion
Spot Pet Insurance plans can help you prioritize your pet's wellbeing with less stress about breaking the bank. Our next-day accident coverage, budget-friendly Accident-Only plan options, and coverage available for prescription food, behavioural conditions, and alternative therapies can help pet parents with their pet’s potential health needs.
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.
Happy Pet Parents Trust Spot
Fast and efficient processing of my…
Fast and efficient processing of my claim. I highly recommend
Service
Very helpful and understandig
Fast service
Fast service
I am glad that I took Spot Pet…
I am glad that I took Spot Pet insurance. Easy and quick claiming. I would definitely recommend it to my friends.
Easy to deal with insurance company.
Spot pet insurance has been very easy to deal with so far. They completed my claim within just a couple of days. Highly recommend.
Easy to Use
Maybe they will have direct billing in the future, but it was easy to upload/email the invoices and veterinary notes. Reimbursement was sent within a week. The only thing I disliked was having to call poison control, which charges in USD. Since they don't do conversions, they only paid what it was in Canadian dollars.
Prompt and professional
Prompt and professional
10/10, no notes
I have zero complaints about Spot. In fact, I swear by them and strongly recommend. They process the claims really efficiently; one time, I submitted a quote for pre-approval on a Wednesday night and on Thursday morning I had the pre-approval letter. It’s very easy to get someone on the phone too and they’re all helpful and friendly.
Quick and reliable customer service
Quick and reliable customer service
Straight forward, no-hassle insurance.
Would highly recommend Spot Pet Insurance. Their coverage is as described in there literature.