Spot Pet Insurance vs. Furkin Pet Insurance

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
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 bills1, 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.
1. Reimbursement rate is based on your pet's age at enrollment and renewal.
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
Quick Reimbursements
I used Spot Pet Insurance. The claims process was very smooth and I got the reimbursement 3-4 days after I submitted the claim.
Easy and hassle free claim process
Easy and hassle free claim process
Ease of process
Ease of process
The company is very responsive with an…
The company is very responsive with an easy to use on line claim submission process. They are quick to review claims and provided reimbursement in a timely manner.
They are fast
They are fast. They are easy to talk. What else do I need more than that:)
Quick and easy to submit my claim
Quick and easy to submit my claim. Coverage was as expected. Thank you
Peace of Mind for Pet Parents
I couldn’t be happier with my experience using Spot Pet Insurance. From the start, their sign-up process was simple, transparent, and user-friendly. I appreciated the ability to customize my coverage and deductible to fit both my pet’s needs and my budget. What truly sets Spot apart is their exceptional customer service. Whenever I had questions about coverage or claims, their support team was responsive, knowledgeable, and genuinely caring—exactly what you want when you're stressed about your pet’s health. Submitting claims is straightforward through their website, and the turnaround time has been impressively fast. I’ve had a couple of unexpected vet visits, and Spot reimbursed me quickly and fairly. It’s such a relief knowing I can make healthcare decisions for my pet without financial panic looming in the background. If you’re on the fence about pet insurance, I highly recommend Spot. It’s been a game-changer for our family and given me real peace of mind that my pet will always get the care they deserve.
Seamless
Seamless, easy to navigate platform and so quick
Easy claim process
Easy claim process, fast reimbursement. I didn’t expect things to be reimbursed this fast so that was impressive. I wish the system let me upload more document after the claim has been initiated. A bit difficult to navigate the communication part as they say to call them but I just needed to email (sending additional invoices, notes from the vet). Hard to find email to send about the claim.
Best insurance absolutely no waiting…
Best insurance absolutely no waiting for them to finish your claim. Will recommend to everyone with pets