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Top-Rated Pet Insurance for Cats & Dogs

Easy Coverage to Help Pets Feel Better, Faster.

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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.

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Happy Pet Parents Trust Spot

What is covered in Spot plans?

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

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.

24/7 Pet Health Helpline

Policyholders of insurance plans from Spot are provided immediate access to a 24/7 helpline for pet health, behavior, and wellness questions powered by VetAccess™.

Your questions will be answered by veterinary experts 24/7 at no additional cost!

Frequently Asked Questions

Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.

What is Pet Insurance?

Pet insurance is a type of coverage that helps offset the cost of veterinary care for your pet. It can help in covering vet expenses related to accidents, illnesses, and preventive care. By having pet insurance, you can protect your pet's health and potentially avoid significant financial burdens in case of unexpected medical needs.

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.

How Do I File a Claim?

Click the Claims icon and follow the simple instructions. Don’t forget to take a picture of your invoice and upload it to complete the claim submission.

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.