Canada's Best Dog Insurance

  • Get up to 90% cash back on eligible vet bills*

  • Visit any vet in Canada or the U.S.

  • No lifetime caps

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 in Spot dog insurance plans?

When your pet 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 eligible treatments and services for covered conditions. Spot Accident-only and Accident & Illness plans offer coverage that some other providers' plans may not include.

Plan Options
eligible diagnostics and treatments for costly accidents and illnesses:
Vet Exam Fees

Vet Exam Fees

X-rays & Tests

X-rays & Tests

Emergencies & Hospitalizations

Emergencies & Hospitalizations

Skin, Eye, and Ear Infections

Skin, Eye, and Ear Infections

Hereditary Conditions

Hereditary Conditions

Digestive Illnesses

Digestive Illnesses

Hip Dysplasia

Hip Dysplasia

Cancer & Growths

Cancer & Growths

Preventative Care for Your Dog

Regular veterinary check-ups included in preventative care plans can help with the early detection of potential health issues in dogs. Timely identification enables prompt intervention and can lead to more effective and less costly treatments in the future.

Early Detection

Early identification can help with potential health issues, which can lead to prompt intervention and improved treatment outcomes.

Disease Prevention

Vaccinations and preventative measures can help protect dogs from common and serious diseases, helping ensure their overall well-being.

Cost Savings

Proactive care can help prevent costly treatments by addressing health concerns before they escalate, potentially saving both money and suffering.

Long-Term Health

Regular check-ups, vaccinations, nutrition, dental care, and preventative medications can contribute to a dog's overall health, longevity, and higher quality of life.

Behavioral Well-Being

Preventative care can support behavioral health, helping address issues early and fostering a harmonious relationship between dogs and their owners.

Peace of Mind

Knowing that a dog can receive regular preventative care can help provide owners with peace of mind that they are actively contributing to their dog's health.

Got a puppy?

Spot Pet Insurance offers affordable puppy insurance plan options designed to cater to your furry friend at all stages of life.

Dog insurance that’s easy!

Spot makes it simple for pet parents to submit a dog insurance claim and receive reimbursement for eligible services.


Visit Any 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.

Pet Insurance FAQs

Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.

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.

Is Dental Coverage Included?

Most Spot Pet Insurance programs don’t offer dental coverage. For full details about what types of dental treatments can and cannot be covered, please review the terms and conditions of your plan.

What Are the Age Requirements?

You can enroll puppies as young as 8 weeks of age and adult pooches up to 10 years old. Kittens may be enrolled as young as 8 weeks of age and cats up to 12 years old. Once your pet is enrolled, they can stay on their Spot policy for life.

Dogs 12 and over and cats 13 and older can be enrolled in an Accident policy.

In cases where you don't know your pet's age, please estimate based on available medical records, shelter or rescue documentation.

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.

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*Reimbursement is based on your pet's age at the time of enrollment and renewal.