Pet insurance that’s easy as 1-2-3.
Spot makes it simple for pet parents to submit a claim and receive reimbursement for eligible services in just a few days.
Visit Any Vet
Yep! There are no vet restrictions. Visit any vet in Canada or the U.S.
Submit Your Claim
Send us your bill online, via fax, or email.
Get Paid!
Get cash back for covered vet bills either by direct deposit or cheque – your choice.
What is covered with Spot Pet Insurance plans?
When your pet means everything to you, you want what they need in a plan to get them back on their paws sooner. Spot Pet insurance plans provide coverage for your dog on eligible treatments and services for covered conditions. Spot Accident-only and Accident & Illness plans offer coverage that some other providers' plans may not include.
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)
Happy Pet Parents Trust Spot
Seamless claim process
Seamless claim process, and promt payments. Thanks SPIC.
Cumple con sus políticas
El tiempo de respuesta es corto, pagan lo justo, tal cual se menciona en sus políticas
Very impressed
Spot was timely in processing my claim and they covered everything they said they would. Customer service was also very kind and reassuring throughout the process. I am so thankful for them and would 100% recommend this insurance company to anyone.
Prompt payment ...coverage for a new…
Prompt payment ...coverage for a new pet resulted in a visit to the vet ...required lab work which was promptly paid. Thanks
great but a little bit slow
great but a little bit slow
Efficiency
Efficiency, always ready to help, kindness, process the invoices very fast and reimburse faster.
Quick Reimbursements
I used Spot Pet Insurance. The claims process was very smooth and I got the reimbursement 3-4 days after I submitted the claim.
Easy and hassle free claim process
Easy and hassle free claim process
Ease of process
Ease of process
The company is very responsive with an…
The company is very responsive with an easy to use on line claim submission process. They are quick to review claims and provided reimbursement in a timely manner.
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.
Pet Insurance FAQS
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
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.
Is Dental Coverage Included?
Most Spot Pet Insurance programs don’t offer dental coverage. For full details about what types of dental treatments can and cannot be covered, please review the terms and conditions of your plan.
What is a Pre-Existing Condition?
A pet’s illness or accident is considered pre-existing if the condition was onset before the 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.
What Are the Age Requirements?
You can enroll puppies as young as 8 weeks of age and adult pooches up to 10 years old. Kittens may be enrolled as young as 8 weeks of age and cats up to 12 years old. Once your pet is enrolled, they can stay on their Spot policy for life.
Dogs 12 and over and cats 13 and older can be enrolled in an Accident policy.
In cases where you don't know your pet's age, please estimate based on available medical records, shelter or rescue documentation.
Are Annual Check-Ups and Vaccines Covered? What About Spaying or Neutering?
Routine and preventative care treatments, such as annual wellness check-ups, vaccines or other treatments such as spaying and neutering or dental cleanings are not part of regular Accident & Illness plan coverage and are not available with an Accident plan’s coverage.
If you are interested in adding on this type of coverage for a little bit more each month, call to learn more about our optional wellness riders, available to add on to most Accident & Illness policies.