Best Pet Insurance
for Dogs of all Ages

Q: What do Spot Pet Insurance plans cover?

Spot Pet Insurance offers both Accident-Only and Accident & Illness plans and pets can receive treatment from any licensed vet in the United States or Canada. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps. To see a full list of terms and conditions, click here to view a sample policy .

Q: When is the ideal time to get pet insurance for my pet?

Plans provided by Spot can insure puppies and kittens 8 weeks and older. We recommend that pets be insured while they are still young; before they develop any “pre-existing conditions”.

Q: How are My Premiums Calculated?

In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are the plan you choose, if you have included preventative care coverage or not, and the discounts for which you are eligible.

Q: 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.

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.

Get up to 90% back on covered Vet bills*
Use any licensed Vet in Canada & U.S.
Up to 10% Off Multi-Pet Discount¹
Save $1,500 on Pet Essentials⁵

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Affordable Plan Options for Dogs

Spot pet insurance offers affordable dog insurance plan options that can help cover your dog from head to tail, providing support to help you ensure they receive the best care.

When they’re sick

Get pet insurance for dogs, including coverage for diagnostics, treatments, and prescription medication for covered conditions.

When they’re hurt

Spot plans cover emergency care, surgery, and rehab for dogs injured in unexpected accidents, helping you ensure their health.

When they’re healthy

Keep up with routine wellness exams, vaccines, and more with optional Preventative Care benefits you can add to your plan.

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s 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)

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Pet insurance Made easy!

Spot makes it simple for pet parents to submit a pet insurance claim and receive reimbursement for eligible vet expenses in no time.

Visit Any Licensed 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.

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Just Got a puppy?

Spot Pet Insurance offers affordable pet health insurance for puppies designed to cater to your furry friend at all stages of life.

Puppy Insurance

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Happy Pet Parents Trust Spot

Rated 4.5 / 5 based on 125 reviews

Quick to respond to our claim and pay us

customer

Fast and clear

My Missy was well taking care of from spot Insurance.

customer

Fast and easy

Fast and easy. No hassle, just submit and get reimbursed in a few days.

Kyra

Great

Great ! Quick service and processing claim. All interactions during initial support call to processing claim has been fantastic.

Christine

Easy to submit a claim and received a…

Easy to submit a claim and received a cheque in the mail within a week ! Great service !

customer

Best Pet Insurance

customer service is so helpful and responsive. spot made it really easy to submit a claim!

Angel

Cheques of reimbursements arrived in…the mail

Cheques of reimbursements arrived in the mail regularly after my kitten received treatments for her disease. Just a short period to be assessed. But I had send a VOID cheque and did hope for automatic payments to my chequeing account ( would have been faster/ shorter wait ).

customer. John Seidle

I will give 5 stars as they are very…

I will give 5 stars as they are very professional, honest and do what they promise. On time , available all times. No waiting to answer call. I recommend them to all. Thanks for helping and supporting animals and who loves animal. 🙏

Mohammadali Amoukarami