Spot Pet Insurance Plans Vs. Furkin Pet Insurance Plans

How do Spot Plans and Furkin Plans differ?
If you're choosing between a Spot or Furkin plan for your pet, here are a few key differences to keep in mind.
Furkin does not offer an accident-only plan option. Spot offers both accident-only and accident and illness coverage.
Furkin plans have a 48-hour waiting period for accidents - Spot has no waiting period for accidents.
Furkin does not offer wellness coverage, meaning routine vet bills like vaccines and annual exams may not be covered.
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
Preventive 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.
5 Reasons Spot Pet Plans May Be the Best Fit for Your Pet
1. Furkin only offers accident coverage
Spot offers both accident-only and accident and illness coverage so pet parents can choose the plan that best fits the needs of their pet.
2. Furkin plans do not help cover the cost of treatment for behavioral issues.
Spot plans can help cover up to $1,000 each year for alternative therapies, including behavioral therapy to treat a covered condition.
3. Furkin offers a multi-pet discount of 5%
Spot understands that the cost of caring for a large pet family can quickly add up. Pet parents with 2 pets enrolled can enjoy a 5% discount – applied to both their plans. This multi-pet discount increases to 10% for pet parents with 3 or more pets.
Spot also offers an additional 5% off for microchipped pets.
4. Furkin does not offer pet parents discounts on other pet supplies like food or toys.
Spot’s Perks program offers pet parents up to $1,500* in savings on pet essentials from food and medication to accessories like pet cameras, toys, and even dog tv.
5. Furkin can reimburse up to 80% of covered vet bills.
Spot pet plans can reimburse up to 90% of covered vet bills, helping maximize cash back for pet parents. This way, families can focus more on what matters most – getting pets the care they need to live happy and healthy lives.
*No purchase necessary. Based on total combined Spot Perks discounts applied to avg. vendor cart value. Spotpetinsurance.ca/perks-terms.
Comparison information is provided using publicly available information as of 5/7/25 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. The descriptions of other providers’ plans were 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. Although we attempt to keep information up to date, 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@spotpet.com.
The information herein is summarized. All Pet Insurance plans have waiting periods, annual deductible, co-insurance, benefit limits and exclusions. Specific products, features, coverage limits, rates, and discounts may vary by province, eligibility, and are subject to change. Medical Conditions that are noted, symptomatic or diagnosed prior to enrollment, or during a waiting period are pre-existing to Coverage and not eligible for reimbursement. Coverage availability varies by province. Not available in Quebec.
For all terms and conditions visit www.spotpetinsurance.ca/sample-policy. Preventive Care reimbursements are based on a schedule. Accident & Illness insurance reimbursements are based on eligible treatments and invoice amounts.
Insurance plans are underwritten by Northbridge General Insurance Corporation and administered by PTZ Insurance Services Ltd. Insurance plans are marketed and produced by Spot Pet Insurance Services, ULC.
Happy Pet Parents Trust Spot
Best insurance absolutely no waiting…
Best insurance absolutely no waiting for them to finish your claim. Will recommend to everyone with pets
Claim process is simple and…
Claim process is simple and reimbursements are fast
Highly Recommend!
I’m so thankful that we obtained pet insurance through Spot Insurance for our puppy! We have submitted 3 claims, and have been reimbursed 90% within 3 days of submitting them. Great service, and very friendly representatives whenever I’ve had to contact them. Would 100% recommend Spot Insurance. Well worth the monthly fee.
Quick response and transparent and easy…
Quick response and transparent and easy claim processes
Great customer support during my first claim!
This was my first claim and everyone has been super friendly and helpful, whether via email or via phone. The claim was processed uber fast as well. I am ready to recommend you to all of my friends, because without Jeremiah’s insurance I am not sure that I could have afforded his ongoing treatment.
Very professional and easy to submit a claim
I have never had to put a claim in until the last 8 months which totalled two claims. I am very impressed with customer service because on my first claim I need assistance. I put the second claim in early this week and it has been processed already. So far I have had an excellent experience.
Highly Recommend for Peace of Mind!
I recently signed up for pet insurance, and I couldn't be more pleased with the service. The sign-up process was easy, and their customer service team was incredibly helpful in answering all my questions. Having a furry and no furry friend can be unpredictable, but knowing that I have coverage for accidents, illnesses, and even routine care gives me peace of mind. The claims process is simple and quick. Whenever my pet needs treatment, I can rest assured that the insurance will cover a significant portion of the costs. It's comforting to know that I won't have to choose between my pet's health and my finances. Overall, I’m so glad I made the decision to invest in pet insurance. I highly recommend it to any pet owner looking to safeguard their furry companion's health and well-being!
Quick response
Quick response. Website easy to use with compatible browser. Payout was as expected.
Very responsive
Very responsive! My two cats started having issues (ear infection, vomiting, heart murmur…) and I was getting quite anxious about the piling bills but Spot has been super fast reimbursing me (they say it can take up to 2-3 weeks but they took 1). Thank you Spot for supporting my kitties’ health!
Spot is a great pet insurer
Spot is a great pet insurance company. They’re quick to reply to claims, trustworthy, affordable and have transparent policies in place. Very much recommend their services.