Spot Pet Insurance Canada vs. Fetch Pet

Spot vs. Fetch Plans: 4 Reasons Spot Comes Out on Top

1. Fetch's Accident Coverage Has a Waiting Period. Spot's Doesn't.

Pets enrolled in a Spot plan are eligible for next-day coverage for accidents. Fetch has a general waiting period of up to 15 days before illness or accident coverage begins.

2. Fetch Only Offers a Combined Accident and Illness Plan. Spot Also Offers Accident-Only.

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. Fetch offers a single combined accident and illness plan, with no accident-only option available.

3. Fetch Doesn't Cover Prescription Food. Spot Does.

Spot plans can help cover up to 50% of the eligible cost of prescription food needed to treat a covered accident or illness, up to $500 a year. Fetch does not provide coverage for prescription food.

4. Fetch Doesn't Offer a Multi-Pet Discount. Spot Does, Starting at 2 Pets.

Spot Pet Insurance offers 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. Each pet enrolled with Fetch gets its own separate policy and premium, with no discount for insuring more than one.

FAQ

Does Fetch have a waiting period for accident coverage?

Yes — Fetch has a general waiting period of up to 15 days before illness or accident coverage begins. Spot offers next-day accident coverage with no waiting period.

Does Fetch offer an accident-only pet insurance plan?

No — Fetch offers a single combined accident and illness plan, with no accident-only option. Spot offers both Accident-Only and Accident and Illness plans.

Does Fetch cover prescription food?

No — Fetch does not provide coverage for prescription food. Spot plans can help cover up to 50% of the eligible cost of prescription food, up to $500 a year.

Does Fetch offer a multi-pet discount?

No — each pet enrolled with Fetch has its own separate policy and premium, with no discount for insuring more than one pet. Spot's multi-pet discount starts at 2 pets enrolled (5%), increasing to 10% for 3 or more.

Choose Spot if You Want Next-Day Accident Coverage and a Multi-Pet Discount

Spot offers next-day accident coverage, an Accident-Only plan option, prescription food coverage, and a multi-pet discount starting at just 2 pets — protections and savings Fetch doesn't offer.

_{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.}