The Best Insurance
for Your Pet

Voted # 1 Pet Insurance in Canada

  • Get up to 90% cashback on Vet bills*

  • Visit any Vet in Canada & U.S.

  • Get up to $1,500 on Pet Supplies5

  • Up to 10% OFF Multi-Pet Discount.1

Pet Insurance you can count on, top rated by experts

How does pet insurance work?

With pet insurance from Spot, taking care of your pet is simple, stress-free, and way more affordable. 🐾 Whether it’s regular check-ups, unexpected accidents, or more serious treatments, pet insurance helps cover the cost so you don’t have to stress about big vet bills. Think of pet insurance as a safety net for your pet’s health. You visit any licensed vet, pay your bill, then submit a claim — and your pet insurance plan reimburses you based on your coverage. Easy.

From everyday care to emergencies, pet insurance gives you the freedom to say “yes” to the best care for your pet without worrying about the price tag.

1

Visit Any Vet

Yep! There are no vet restrictions. Visit any licensed 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.

6.Estimated Fees for Common Diagnostics and Procedures.” Veterinary Teaching Hospital, https://vth.upei.ca/avcvth-common-procedure-pricing/. Hypothetical vet bill and claim reimbursement. Reimbursement amounts may vary depending on the specific terms of the policy, including coverage selected, annual deductible, reimbursement rate, and annual limit. Individual experiences and outcomes may vary.

What is Covered with Spot Plans?

Spot plans help cover your pet from head-to-tail.

Accidents

Spot plans help cover anything from emergencies to exams for eligible accidents.

  • Vet exam fees

  • Swallowed objects

  • Broken bones

And More, See Coverage >

Illnesses

Spot Pet Insurance plans help cover diagnostics, treatments, and meds for unexpected illnesses.

  • Cancer & growths

  • Respiratory illnesses

  • Skin, eye, & ear infections

And More, See Coverage >

Wellness Add-Ons

Spot Preventive Care plans give cash back for covered exams, vaccines, and much more.

  • Routine Dental Care

  • Spaying or Neutering

  • Flea & heartworm prevention

And More, See Coverage >

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Happy Pet Parents Trust Spot

They've got your back. Why not cover theirs with Pet Insurance?

Life is full of surprises. Spot helps pet parents plan for the unexpected through easy and reliable pet insurance options that can be used at any licensed vet in Canada and the U.S. Enroll your Pet with a Spot Pet Insurance Plan and get up to 90% cash back on covered vet bills.

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Frequently Asked Questions

Why Spot is the Top Choice for Pet Insurance in Canada?

What Does Pet Insurance Cover?

What is the Deductible in Pet Insurance?

Do all Vets take Spot Pet Insurance?

How are my pet insurance premiums calculated?

Does Pet Insurance Cover Pre-Existing Conditions?