Affordable Plan Options for Dogs
Spot pet insurance offers affordable dog insurance plan options that can help cover your dog from head to tail, providing support to help you ensure they receive the best care.
When they’re sick
Get pet insurance for dogs, including coverage for diagnostics, treatments, and prescription medication for covered conditions.
When they’re hurt
Spot plans cover emergency care, surgery, and rehab for dogs injured in unexpected accidents, helping you ensure their health.
When they’re healthy
Keep up with routine wellness exams, vaccines, and more with optional Preventative Care benefits you can add to your plan.
What is covered with Spot Pet Dog insurance plans?
When your dog means everything to you, you want what they need in a plan to get them back on their paws sooner. Spot Pet insurance plans provide coverage for your dog on eligible treatments and services for covered conditions. Spot Accident-only and Accident & Illness plans offer coverage that some other providers' plans may not include.
Vet Exam Fees
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Digestive Illnesses
Hip Dysplasia
Cancer & Growths
Vet Exam Fees
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Digestive Illnesses
Hip Dysplasia
Cancer & Growths
Infectious diseases & diseases from parasites
Orthopedic
Swallowed Objects & Toxins
Diagnostics & Treatments
Prescription Medications
Surgery & Specialized Care
Advanced Care
Alternative Therapies (e.g. Acupuncture)
Pet insurance that’s easy!
Spot makes it simple for pet parents to submit a pet insurance claim and receive reimbursement for eligible vet expenses.
Visit Any Licensed Vet
Yep! There are no vet restrictions. Visit any vet in Canada or the U.S.
Submit Your Claim
Send us your bill online, via fax, or email.
Get Paid!
Get cash back for covered vet bills either by direct deposit or cheque – your choice.
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.
Pet Insurance FAQs
Have questions about pet insurance for dogs and how it works? Don’t worry, we’ve got you covered.
What do Spot pet insurance plans cover?
Spot Pet Insurance offers both Accident-Only and Accident & Illness plans and pets can receive treatment from any licensed vet in the United States or Canada. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.
To see a full list of terms and conditions, click here to view a sample policy.
When is the ideal time to get pet insurance for my pet?
Plans provided by Spot can insure puppies and kittens 8 weeks and older. We recommend that pets be insured while they are still young; before they develop any “pre-existing conditions”.
How are My Premiums Calculated?
In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are the plan you choose, if you have included preventative care coverage or not, and the discounts for which you are eligible.
What is a Pre-Existing Condition?
A pet’s illness or accident is considered pre-existing if the condition was onset before the policy coverage effective dates, or during a waiting period. This means if the first signs or symptoms of a condition showed up before coverage started, it would be considered pre-existing to coverage, even if it was not formally diagnosed. The most common reason why an illness or an accident is not covered by any pet insurance provider is if the condition was present before coverage started. For coverage to be available with almost all types of insurance, the problem must be new and unexpected.
For example, if typical symptoms of allergies (itchy skin, ear infections) were present before the coverage was effective or appeared within the waiting period of the policy, the allergies and related conditions, such as itchy paws and pyoderma, would be pre-existing to coverage.
Are Annual Check-Ups and Vaccines Covered? What About Spaying or Neutering?
Routine and preventative care treatments, such as annual wellness check-ups, vaccines or other treatments such as spaying and neutering or dental cleanings are not part of regular Accident & Illness plan coverage and are not available with an Accident plan’s coverage.
If you are interested in adding on this type of coverage for a little bit more each month, call to learn more about our optional wellness riders, available to add on to most Accident & Illness policies.
*Reimbursement is based on your pet's age at the time of enrollment and renewal.