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.
s 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.<<
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
Claim issue
Great service. Fixed issue immediately
Prompt and professional
Prompt and professional
Your Customer Service is excellent and…
Your Customer Service is excellent and your reimbursement payments prompt! I have had exceptional service working with Julia!
Timely reimbursement
Easy online service, quick reimbursement
Excellent insurer
We have made several claims and have never had any issues. Spot processes the claims very speedily. Can't recommend them enough!
Process for submission is easy and…
Process for submission is easy and customer service support team is friendly if you have any questions.
Quick reimbursement and reasonable…
Quick reimbursement and reasonable premium
quick resolution
quick resolution, friendly staff and fair payback.
Very reliable company
Very reliable company, great customer service and almost instantly received my money back, thank you spot.
Love Spot Pet Insurance!
I only ever had one issue with a claim that was easily resolved and I didn't have to call in, I'm able to message them straight from my client portal. Super helpful and less time consuming!
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 pet insurance 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.