Spot Pet Insurance vs. Pets Plus Us

Choosing the right pet insurance in Canada means carefully considering your pet's needs and your budget. Spot Pet Insurance and Pets Plus Us both offer valuable pet insurance coverage options, but they differ in key areas. To make an informed decision, it's important to compare factors like:
Covered expenses:
What types of treatments and conditions are covered under each plan (e.
g. accidents, illnesses, surgeries, hereditary conditions)?
Annual limits:
What is the maximum amount covered per year?
Deductibles:
How much do you need to pay out-of-pocket before coverage kicks in?
Premiums:
How much will the insurance cost monthly or annually?
Waiting periods:
Are there any waiting periods before new conditions are covered?
Exclusions:
Are there any specific conditions or treatments not covered by the insurance?
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Behavioral Issues
Alternative Therapies
Annual Deductible
Preventive Care Add-On Options
No Waiting Periods for Accidents
Multiple Pet Discounts for 2+ Pets
Accident-Only Plan Option
Multiple Annual Limit Plan Options for Accident & Illness Plans
Prescription Food
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.
Spot Pet Insurance Plans vs. Pets Plus Us Pet Insurance Plans
No Waiting Period for Accidents
When you enroll your pet in a Spot plan, their accident coverage begins the next day! There is no waiting period for accident coverage from your policy's effective date. With a plan from Pets Plus Us, your pets accident coverage only begins after a 48-hour waiting period from the policy’s effective date.
Multiple Pet Discounts for 2+ Pets
Your furry friends are family, and Spot Pet Insurance wants to help you care for them all. We offer a 5% multi-pet discount on each pet when two pets are enrolled, and 10% off each pet when you insure three or more. Pets Plus Us doesn't offer a multi-pet discount on just 2 pets enrolled. With their plans, you’ll need to enroll at least 3 pets to get these family-friendly discounts.
Conclusion
Spot Pet Insurance goes the extra mile for pet parents with plans featuring next-day accident coverage and multi-pet discounts available to pet families with 2 or more pets. We want you to have help finding peace of mind knowing your pets are protected.
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
Great support
Quick response to claims and prompt payment.
Quick turn around times
Quick turn around times, so worth it!
Spot came through for us when our dog tore her ACL
Spot came through for us when our dog tore her ACLK and needed a surgical fix, took a bit of time but it was our very first claim.
best insurance
best insurance
Very simple to be reimbursed
Very simple to be reimbursed. We have never had pet insurance with previous dogs, and it was so nice to be able to take her in without worrying about the cost.
Having pet insurance saved my dog
Having pet insurance saved my dog. When he was sick we did didn’t he hesitate to take him to the vet and get all the tests we needed. Spot covered the bills so we could get him the treatment he needed.
Claims were processed as fast as…
Claims were processed as fast as possible. Plus coverage are very good.
Always very helpful over phone
Always very helpful over phone
They are the best of best for pet…
They are the best of best for pet coverage