Compare Pet Insurance: Spot Pet Insurance vs. Pet 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 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?
By understanding these key differences, you can determine which plan best aligns with your pet's healthcare needs and your financial goals.
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
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Included
Not included/Some inclusionsPreventive 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. 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
Easy to deal with insurance company.
Spot pet insurance has been very easy to deal with so far. They completed my claim within just a couple of days. Highly recommend.
Easy to Use
Maybe they will have direct billing in the future, but it was easy to upload/email the invoices and veterinary notes. Reimbursement was sent within a week. The only thing I disliked was having to call poison control, which charges in USD. Since they don't do conversions, they only paid what it was in Canadian dollars.
Prompt and professional
Prompt and professional
10/10, no notes
I have zero complaints about Spot. In fact, I swear by them and strongly recommend. They process the claims really efficiently; one time, I submitted a quote for pre-approval on a Wednesday night and on Thursday morning I had the pre-approval letter. It’s very easy to get someone on the phone too and they’re all helpful and friendly.
Quick and reliable customer service
Quick and reliable customer service
Straight forward, no-hassle insurance.
Would highly recommend Spot Pet Insurance. Their coverage is as described in there literature.
Spot Insurance is always reliable
Insurance company always provides prompt and professional services. The coverage is better than other insurers, and I often recommend them to pet's owners around me.
I love Spot!
Quick claim process. The premium is low.
Claim issue
Great service. Fixed issue immediately
Prompt and professional
Prompt and professional