Best Pet Insurance
for Dogs & Cats

Voted # 1 by Experts & Pet Parents in Canada

  • Up to 90% cashback on Vet Bills*

  • Visit Any Vet in Canada or the U.S.

  • Multi-Pet & Microchipped Pet Discounts.

  • Save up to $1,500 on Pet Essentials4

How Pet Insurance Works

1

Visit Any Vet

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

2

Submit Your Claim

Submit your claim online, via fax, or email - it's quick and easy.

3

Get Paid!

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

What Do Spot Pet Insurance Plans Cover?

Spot offers two main plans: Accident & Illness and Accident Only. You can add an optional Preventive Care plan as well.

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

With Spot®, Pet Parents enjoy more than just coverage.

Enjoy added benefits and save more with Spot Pet Insurance.

  • Up to $1000 cashback on Alternative Therapies for your pet1

  • Get Up to $500 cashback on Holiday Trip Cancellations2

  • Get Up to $500 cashback on Kennel & Pet Boarding Costs3

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

1Preventive care add on is only eligible for levels 2, 3, and 4.

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.

Check Pricing

Unlock up to $1,500 in savings with exclusive Spot Perks4

As part of our mission to help pets lead happier and healthier lives, we bring you a curated list of premium partner discounts for added savings. Enjoy access to an exclusive list of discounts on pet essentials such as supplies, accessories, prescription drugs, food, toys and more.

Frequently Asked Questions

Have questions about Pet Insurance? 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.

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?

Is Pet Insurance worth it?

Yes, pet insurance is generally worth it for most pet parents. The primary reason is its ability to help manage the often unpredictable and potentially high veterinary costs associated with unexpected accidents or illnesses. These unexpected events can cause significant financial strain, and pet insurance can help alleviate some of that burden.

Beyond the financial aspect, pet insurance can also help provide pet parents with invaluable peace of mind. Knowing that they have a safety net in place helps allow them to focus on what truly matters – their pet's health and well-being – instead of worrying about the cost of care. This can lead to better decision-making and potentially even life-saving treatments for their furry companions.

While the monthly premiums may seem like an added expense, the potential help provided in the long run, especially in the face of a major illness or injury, can far outweigh the cost of the insurance. In essence, pet insurance is a tool that can benefit your pet's health and your financial security.

Pet Insurance Policy Disclaimers

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

1Reimbursement for the eligible costs of alternative therapies, up to $1000/year. ​

2Reimbursement up to $25/day and $500/incident if you’re hospitalized for more than 48 hours.

3Reimbursement for costs of advertising and reward paid if your pet is lost or stolen.
4No purchase necessary. Based on total combined Spot Perks discounts applied to avg. vendor cart value. Spotpetinsurance.ca/perks-terms.