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.
Happy Pet Parents Trust Spot
They process the claims fast and when…
They process the claims fast and when you call someone answers you right away and their coverage is comprehensive.
So far a good experience
So far a good experience. Have already recommended to friends
Fast reimbursement no hassle
Fast reimbursement no hassle
Easy claims process with quick payment
Spot had been great to work with. Claims are easily submitted on line with reviews and completion happening quickly.
Strongly Recommended
It has been almost a year since I started to use Spot Pet Insurance and everything has been so easy and seamless, including claim processes.
One of the best pet insurance
One of the best pet insurance. It's very easy to file a claim and the payment does not take long. Thank you
Fast claim review and easy reimbursement!
I recently switched to Spot from Trupanion and couldn't be happier. They were incredibly fast to review my claim and the reimbursement hit my account sooner than expected. Definitely do not regret making the change!
The claim process was super simple and…
The claim process was super simple and prompt. The customer service team was very helpful and responsive. I am so happy that I chose Spot Pet Insurance.
I signed up for spot insurance when i…
I signed up for spot insurance when i got my french bulldog puppy. He is 7 months now and i have submitted quite a few claims with no issues at all. They were completed within 3 to 5 days and i got the payment within a day of the completion. Also any questions i have i just call and they are all so friendly and helpful. Im very happy with this company.
Paid out my claim for my puppies UTI
Paid out my claim for my puppies UTI, no questions asked.
What is covered in 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)
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
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.
Your questions will be answered by veterinary experts 24/7 at no additional cost!