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 Plans?
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)
How Much Does Dog Insurance Cost?
Spot’s plans can start as low as $15 per month,2 but premiums can range depending on the reimbursement rate, coverage, and annual limit you select for your pet’s plan, along with your pet’s age, breed, and your location. Follow the link below to customize a plan for your pet and get your free quote.
Read more: How Much Does Pet Insurance Cost for German Shepherds?
Most Common Dog Health Conditions
In this chart, you can see what the most common dog health conditions are along with how much they cost*.
*Jan 2019 to May 2024 administrator claims data
Total Pet Care: Spot® Covers Wellness, Routine Checkups & More
Spaying or Neutering
Available in Routine & Advanced coverage options for an extra cost, helping you manage essential preventive care.
Dental Teeth Cleaning
Advanced coverage includes professional teeth cleaning, supporting long-term oral health and preventing costly dental issues
Wellness Exams
Regular check-ups & screenings to help vets detect potential health issues early, ensuring a longer, healthier life for your pet
Happy Pet Parents Trust Spot
Seamless
Seamless, easy to navigate platform and so quick
Easy claim process
Easy claim process, fast reimbursement. I didn’t expect things to be reimbursed this fast so that was impressive. I wish the system let me upload more document after the claim has been initiated. A bit difficult to navigate the communication part as they say to call them but I just needed to email (sending additional invoices, notes from the vet). Hard to find email to send about the claim.
Best insurance absolutely no waiting…
Best insurance absolutely no waiting for them to finish your claim. Will recommend to everyone with pets
Claim process is simple and…
Claim process is simple and reimbursements are fast
Highly Recommend!
I’m so thankful that we obtained pet insurance through Spot Insurance for our puppy! We have submitted 3 claims, and have been reimbursed 90% within 3 days of submitting them. Great service, and very friendly representatives whenever I’ve had to contact them. Would 100% recommend Spot Insurance. Well worth the monthly fee.
Quick response and transparent and easy…
Quick response and transparent and easy claim processes
Great customer support during my first claim!
This was my first claim and everyone has been super friendly and helpful, whether via email or via phone. The claim was processed uber fast as well. I am ready to recommend you to all of my friends, because without Jeremiah’s insurance I am not sure that I could have afforded his ongoing treatment.
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.
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.
Frequently Asked Questions
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
Why Spot is the Top Choice for Pet Insurance in Canada?
Spot is one of Canada's leading pet insurance providers, trusted by thousands of pet parents who’ve saved up to 90% on eligible vet bills. Whether you're at home in Canada or traveling in the U.S., Spot offers flexible coverage without network restrictions—you can visit any licensed vet, anytime.
Pet care isn’t cheap, and costs are only rising. In 2023, Canadians spent an estimated $9.3 billion1 on veterinary services alone, according to the Canadian Veterinary Medical Association. The annual cost of pet ownership now averages $4,2002 for dogs and $2,9003 for cats, based on data from the Ontario Veterinary Medical Association. These rising costs make pet insurance not just helpful—but essential.
Spot helps you manage those expenses with customizable coverage options, fast claims processing, and peace of mind knowing you’re pet is covered from nose to tail.
1. Canadian Animal Health Institute (2022). Biennial pet population survey
2. Canadian Veterinary Medical Association (2024). The Economic Impacts of Veterinary Medicine in Canada
3. Ontario Veterinary Medical Association (2023). Cost of care - feline
What Does Pet Insurance Cover?
Pet insurance can put money back in your pocket for veterinary costs needed to diagnose, treat, and manage an eligible condition. Exams and rechecks, x-rays, ultra-sounds, bloodwork, surgeries, stitches, medication, and prescriptions, and even prescription diets are all examples of costs that can be claimed for if they are used to treat or diagnose a covered condition.
What is the Deductible in Pet Insurance?
Just like most other insurances, deductibles within pet insurance refer to the predetermined amount that policyholders must pay before the insurance coverage kicks in. It is an important aspect of pet insurance plans and plays a significant role in managing costs for both the pet owner and the insurance provider. You can learn more about insurance deductibles here.
Do all Vets take Spot Pet Insurance?
Yes, you can visit any licensed veterinarian, specialty clinic, or emergency clinic in Canada or the U.S. Learn how Spot Pet Insurance works with vet offices and clinics
How are my pet insurance premiums calculated?
In general, your monthly premium is based on your pet’s age, breed, and your location, as well as your plan configuration. Spot allows pet parents to choose a deductible, reimbursement rate, and annual limit from a variety of options, each which play into the cost of your monthly premium. Opting into a preventive care add-on or eligibility for a discount can also affect the price of your premium.
Read more: How Much is Pet Insurance?
Does Pet Insurance Cover Pre-Existing Conditions?
Generally, pet insurance does not cover pre-existing conditions. A pre-existing condition is any illness or injury your pet experienced before your coverage began including during the 14-day waiting period after enrollment. This means any treatment or medication related to that condition will not be reimbursed by your insurance.
However, there are a few exceptions. Spot can offer coverage for curable and cured pre-existing conditions if your pet has been symptom-free and treatment-free for a period of 180 days. This does not apply to knee and ligament conditions. Additionally, Spot’s accident and illness plan can help cover eligible hereditary and congenital conditions, which are genetic or present at birth, even if they manifest later in life.
It's crucial to carefully read your pet insurance policy before enrolling to understand which conditions or injuries can be covered under your plan. If your pet has a pre-existing condition, it's still wise to consider insurance as it can help cover future, unrelated illnesses and injuries. If you have any questions about your coverage, please reach out to our customer service team at 800-905-1595.