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.
How Pet Insurance Works
Visit Any Vet
Yep! There are no vet restrictions. Visit any vet in Canada or the U.S.
Submit Your Claim
Submit your claim online, via fax, or email - it's quick and easy.
Get Paid!
Get cash back for covered vet bills either direct deposit or cheque - your choice.
What is covered with Spot's 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. Our 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)
Happy Pet Parents Trust Spot
Very professional and easy to submit a claim
I have never had to put a claim in until the last 8 months which totalled two claims. I am very impressed with customer service because on my first claim I need assistance. I put the second claim in early this week and it has been processed already. So far I have had an excellent experience.
Highly Recommend for Peace of Mind!
I recently signed up for pet insurance, and I couldn't be more pleased with the service. The sign-up process was easy, and their customer service team was incredibly helpful in answering all my questions. Having a furry and no furry friend can be unpredictable, but knowing that I have coverage for accidents, illnesses, and even routine care gives me peace of mind. The claims process is simple and quick. Whenever my pet needs treatment, I can rest assured that the insurance will cover a significant portion of the costs. It's comforting to know that I won't have to choose between my pet's health and my finances. Overall, I’m so glad I made the decision to invest in pet insurance. I highly recommend it to any pet owner looking to safeguard their furry companion's health and well-being!
Quick response
Quick response. Website easy to use with compatible browser. Payout was as expected.
Very responsive
Very responsive! My two cats started having issues (ear infection, vomiting, heart murmur…) and I was getting quite anxious about the piling bills but Spot has been super fast reimbursing me (they say it can take up to 2-3 weeks but they took 1). Thank you Spot for supporting my kitties’ health!
Spot is a great pet insurer
Spot is a great pet insurance company. They’re quick to reply to claims, trustworthy, affordable and have transparent policies in place. Very much recommend their services.
sad for my lost but graceful to have…
sad for my lost but graceful to have support
Wonderful company
I’ve never had insurance for a pet before but every interaction with spot has been easy and friendly! I highly recommend this company and getting insurance. Once you need it it’s hard to understand why I’ve never gotten it before.
Easy to use claim submission
Easy to use claim submission and very helpful customer service.
The service was fast and great
The service was fast and great. Thank you very much!
Great experience so far
Straight forward process to submit claims and quick turnaround for reimbursement. Great experience so far. I have recommended Spot Insurance to other pet owners.
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.
2.No purchase necessary. Based on total combined Spot Perks discounts applied to avg. vendor cart value. Spotpetinsurance.ca/perks-terms.