What Does Pet Insurance Cover?

We know your pet is unique with one-of-a-kind needs, that’s why Spot offers affordable pet insurance plan options with multiple annual limit amounts so you can choose the plan that fits your budget and needs.


Spot plans help you ensure your pet is covered from head-to-tail for unexpected accidents and injuries.


Spot plans can cover exams for qualified illnesses and related treatment, including things like surgeries & medications.


Spot's optional Preventive Care plans focus on routine care and regular check-ups to help ensure their routine wellbeing.


Spot plans may cover behavioral issues, including training for anxiety, aggression & other compulsive behaviors.

What Does Pet Insurance Not Cover?

Pet insurance can play a vital role in helping safeguard your pet's health, covering a spectrum of unexpected accidents and illnesses. But most pet insurance plans do not cover the following:

  1. Pre-existing Conditions

  2. Grooming

  3. Funeral Costs

Essential Tips for Savvy Pet Parents:

Consider these tips to help enhance your experience with pet insurance

What is the waiting period?

Waiting periods begin the day after you purchase your policy and last until your coverage's effective date. Typically, any illness, disease, injury, or change to your pet's health that first occurs or shows symptoms before coverage is effective is considered pre-existing and is not eligible for coverage. Get a quote to learn more about waiting periods for different types of coverage.

Which vets can I use?

With a Spot plan you can take your pet to any vet in Canada or the U.S., including specialists and emergency clinics. Spot plans do not use networks, giving pet parents the freedom to select the best clinic for their pet. Spot offers multiple plan options to help cover unexpected accidents and illnesses. You can also add on preventative care coverage for an extra cost for coverage on eligible spaying or neutering costs.

Preventative Care

Coverage for our optional preventative care add-ons begins just 24 hours after purchase, allowing you to use your preventative benefits almost immediately. These add-ons help cover routine check-ups, microchip implantation, and vaccinations, helping your pet get essential care. Spot's approach prioritizes immediate access to care, reflecting our commitment to your pet's well-being.

Submitting claims is easy

Once you visit your vet, submit your claim in the member center, by email, or via fax. Make sure you include any necessary documentation. Reimbursements for eligible claims can be paid either via direct deposit or a cheque, whichever you prefer. Our helpful customer service representatives are available to answer any questions you may have.

What do Spot pet insurance plans cover?

Spot offers two main plans: Accident & Illness and Accident Only. You can add on optional Preventative Care coverage to an Accident and Illness plan as well.

Plan Options
eligible diagnostics and treatments for costly accidents and illnesses:
Vet Exam Fees

Vet Exam Fees

X-rays & Tests

X-rays & Tests

Emergencies & Hospitalizations

Emergencies & Hospitalizations

Skin, Eye, and Ear Infections

Skin, Eye, and Ear Infections

Hereditary Conditions

Hereditary Conditions

Digestive Illnesses

Digestive Illnesses

Hip Dysplasia

Hip Dysplasia

Cancer & Growths

Cancer & Growths

Preventative Care for Your Pet*

Coverage for routine check-ups is offered through our preventative care plans, which can help with the early detection of potential health issues in pets. Timely identification helps enable prompt intervention and can lead to more effective and less costly treatments in the future.

Early Detection

Early identification can help with potential health issues, which can lead to prompt intervention and improved treatment outcomes.

Disease Prevention

Vaccinations and preventative measures can help protect pets from common and serious diseases, helping ensure their overall well-being.

Cost Savings

Proactive care can help prevent costly treatments by addressing health concerns before they escalate, potentially saving money & suffering.

Long-Term Health

Regular check-ups, vaccinations, nutrition, dental care, and preventative medications can contribute to a pet's overall health, longevity, and quality of life.

Behavioral Well-Being

Preventative care can help support behavioral health, and help address issues early while fostering a harmonious relationship between pets and their owners.

Peace of Mind

Knowing that a pet can receive regular preventative care can help provide owners with peace of mind that they are actively contributing to their pet's health.

*Preventive care add-on is only eligible for levels 2, 3, and 4.

Pet insurance that’s easy!

Spot makes it simple for pet parents to submit a pet insurance claim and receive reimbursement for eligible services.


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.

Pet Insurance FAQs

Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.

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 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.

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 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.

We lead the pack.

Get Pet Insurance Today!