Compare Spot Pet Insurance vs. OVMA - Plan Insurance Comparison
If you're a pet parent in Ontario, you've likely come across OVMA Pet Health Insurance. Finding the right fit is important, and sometimes that can mean looking at providers beyond your immediate area. Let's look at how Spot's plans compare to OVMA's offerings and see which might suit you and your pet best.
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.
Spot Pet Insurance Plans vs. OVMA Pet Insurance Plans
Coverage for Prescription Foods
Spot Pet Insurance is committed to supporting your pet's overall health and well-being. That's why our plans can cover up to 50% of the eligible costs of prescription foods (up to $500 a year), helping you manage your pet’s covered health conditions. OVMA plans don't offer this coverage.
No Waiting Periods for Accidents
With Spot Pet Insurance plans, you can worry less about waiting periods for your accident coverage. Enroll your pet and their accident coverage activates the very next day, helping ensure they're protected from the unexpected. Unlike Spot, OVMA plans have a 48-hour waiting period before your pet’s accident coverage becomes active.
Accident-Only Plan Option
Spot Pet Insurance understands that every pet parent has different needs and budgets. Our Accident-Only plans can help provide essential coverage for unexpected accidents, at a more affordable price. OVMA doesn't offer Accident-Only plan options.
Multiple Pet Discounts for 2+ Pets
Spot Pet Insurance understands that having multiple pets is a joy but can also be expensive. We help make it more affordable with a 5% multi-pet discount for two pets, and a generous 10% discount for three or more pets enrolled. OVMA does offer a 10% multi-pet discount, but only when 3+ pets are enrolled.
Conclusion
Spot Pet Insurance offers Ontario pet parents flexible options and discounts for multi-pet families. Our range of plans, from budget-friendly Accident-Only options to prescription food coverage available, helps give you flexibility. Combine that with multi-pet discounts available on 2+ pets and next-day accident coverage, Spot plans help offer pet parents both value and additional peace of mind.
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
Came through for us
We have made a half dozen claims for small amounts for our one year old large breed and only a couple times they were approved, sometimes after making reassessment appeals, which was disappointing and annoying. We thought we were going down the "pre-existing condition" rabbit hole. However, we recently had to make a four figure claim and it was approved in ONE day, which is quite surprising, in a good way. We appreciate this and will stick with them for now as they came through when we needed them to honor the Insurance we paid for.
Great experience always quick to pay out claims
Always quick to pay out claims. Easy to use customer portal. Great coverage for cost
Great Option for Pet Insurance
Spot Pet Insurance has been a fantastic resource for our family, it’s saved us time and money allowing us to provide the best care for our dog.
Always fair and prompt
Always fair and prompt. A great service.
Great Pet Insurance with Comprehensive Coverage!
Spot Pet Insurance has always been great when I've needed to file a claim! They are very responsive and helpful and the insurance offers great coverage! Would definitely recommend!
Quick payouts
Quick payouts , friendly and efficient customer service. I researched several insurance companies and chose Spot because of the competitive pricing and coverage.
Putting in a claim and it being taken…
Putting in a claim and it being taken care of in 5 days and nice to have it payed back in a week . So Thankyou
So great and helpful to deal with
So great and helpful to deal with . Fast respond on claims and always so great to chat with .
I have 9 pups and just about all of…
I have 9 pups and just about all of them you guys have helped me out with fast response and fast pay back with all my pups claims . So Thankyou very much !!
Hassle free attention.
I’ve had to use Spot twice for different problems & I had no issues & was promptly refunded for my costs.