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.
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.<<
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)
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.
Happy Pet Parents Trust Spot
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 are fast
They are fast. They are easy to talk. What else do I need more than that:)
Quick and easy to submit my claim
Quick and easy to submit my claim. Coverage was as expected. Thank you
Peace of Mind for Pet Parents
I couldn’t be happier with my experience using Spot Pet Insurance. From the start, their sign-up process was simple, transparent, and user-friendly. I appreciated the ability to customize my coverage and deductible to fit both my pet’s needs and my budget. What truly sets Spot apart is their exceptional customer service. Whenever I had questions about coverage or claims, their support team was responsive, knowledgeable, and genuinely caring—exactly what you want when you're stressed about your pet’s health. Submitting claims is straightforward through their website, and the turnaround time has been impressively fast. I’ve had a couple of unexpected vet visits, and Spot reimbursed me quickly and fairly. It’s such a relief knowing I can make healthcare decisions for my pet without financial panic looming in the background. If you’re on the fence about pet insurance, I highly recommend Spot. It’s been a game-changer for our family and given me real peace of mind that my pet will always get the care they deserve.
Seamless
Seamless, easy to navigate platform and so quick
Easy claim process
Easy claim process, fast reimbursement. I didn’t expect things to be reimbursed this fast so that was impressive. I wish the system let me upload more document after the claim has been initiated. A bit difficult to navigate the communication part as they say to call them but I just needed to email (sending additional invoices, notes from the vet). Hard to find email to send about the claim.
Best insurance absolutely no waiting…
Best insurance absolutely no waiting for them to finish your claim. Will recommend to everyone with pets
Pet Insurance FAQs
Have questions about pet insurance for dogs and how it works? Don’t worry, we’ve got you covered.
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.
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”.
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.
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.
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.
*Reimbursement is based on your pet's age at the time of enrollment and renewal.