Logos of Spot Pet Insurance and Peninsula Pet Supplies are side by side.

Canada's Favourite
Pet Insurance

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Q: 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.

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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 licensed 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.

Plan Options

eligible diagnostics and treatments for costly accidents and illnesses:

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)

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

Enroll Today

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Happy Pet Parents Trust Spot

Rated 4.6 / 5 based on 139 reviews

Fast, affordable, with no hassle! Great Pet Insurance company!

I am extremely happy with spot pet insurance. I have tried multiple pet insurance companies...and this is by far the best. Submitting claims with the others was painful and tedious... It took weeks to receive any type of refund. I paid thousands and thousands into 24pet watch Canada for my dogs entire life...only to have to fight tooth and nail for pennies back. I've only been with Spot Canada for 9 months or so...and received full refunds for emergency care within a couple of days... Submissions are beyond easy to complete. I totally recommend them. Better rates then I paid in the past, fast refunds, easy submission forms... Nobody wants to worry about how they are going to afford their next vet visit. Spot makes things easy and worry free. Totally recommend!

Melissa Nodwell

I submitted a claim and had it…

I submitted a claim and had it processed within 3 days …..remarkable & the costs is very affordable ….highly recommend

Ronda

My pup got really sick and incurred…

My pup got really sick and incurred over $3,000 in vet bills with surgery, etc…. I submitted my vet bills signed by my vet, and received my claim funds within 3 days of their decision. Way to go Spot

Barbara W

Very good service

customer

Great coverage!

The coverage really helped with a very high unexpected vet bill for my kitty. It was very helpful to have great insurance coverage.

Shelagh Barkhouse

Easy Hassle-free Experience

My claim was processed exactly as described in my policy, with no issues or hassles.

Jen

I’m very satisfied with this pet…

I’m very satisfied with this pet insurance. I’m really happy with how they handled my claim and reimbursed my veterinary expenses quickly and efficiently. The whole process was smooth, and their customer service was very helpful.

Yather

No issues with any claims with my pup

No issues with any claims with my pup. Having a you g dog, you never know what can happen. So happy to have insurance.

Chrisy M

It was easy to access customer service…

It was easy to access customer service with questions about my claim and the agent was very helpful and provided great customer service.

customer

The claim was reviewed very quick and…

The claim was reviewed very quick and all expenses was covered.

Alona K.

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.

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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?

Is Dental Coverage Included?

What is a Pre-Existing Condition?

What Are the Age Requirements?

Are Annual Check-Ups and Vaccines Covered? What About Spaying or Neutering?

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.

Canada's FavouritePet Insurance