

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 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.
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)
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
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.

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.