Top Pet Insurance for Dogs

Best Dog Insurance
in Canada

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

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

  • Up 10% Multi-Pet Discount.

  • No Per-Incident Caps, Unlimited Payouts.

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.

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

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.

1

Visit Any Licensed Vet

Yep! There are no vet restrictions. Visit any vet in Canada or the U.S.

2

Submit Your Claim

Send us your bill online, via fax, or email.

3

Get Paid!

Get cash back for covered vet bills either by direct deposit or cheque – your choice.

Just Got a puppy?

Spot Pet Insurance offers affordable pet health insurance for puppies designed to cater to your furry friend at all stages of life.

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Happy Pet Parents Trust Spot

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.

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