Spot Canada | Pet Insurance Review

4.7

out of 5

Number of reviews 238

Spot is committed to helping pets lead longer, healthier lives by providing pet health insurance with best-in-breed service and high-quality coverage.  This is especially important at a time when vet care is becoming more expensive each year. Spot’s focus is to provide pet owners with the tools to help create a world of healthier pets and happier owners. Our pets are part of our pack, and it’s important to treat them with the same respect as our human family. A big part of that is to provide proper healthcare for our furry friends and enable a healthy lifestyle for pet families at both ends of the leash. With the costs of today’s pet care, having Spot in your corner is helpful for your pet’s health and wellness needs. Spot policies help cover a wide range of covered conditions such as accidents, illnesses, medications, diagnostics, exams for covered conditions, and treatment—even alternative therapies. Spot also provides preventative plans, which include dental cleanings, vaccinations, flea prevention and more for a little extra cost! Spot wants pet parents to worry less and play more with their furry family. Discover the peace of mind of having Spot Pet Insurance.
1

out of 5

POSTED: | BY: DY

I submitted an ownership transfer…

I submitted an ownership transfer request in January and have had to call multiple times for updates. In early February, I received a text saying an agent would be assigned to follow up my case. Now, almost two months since I made the request, there’s still zero progress. Each time I call, I’m told about system changes and promised a follow-up the next week, but nothing happens. This level of service is completely unacceptable. I’m extremely disappointed.
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5

out of 5

POSTED: | BY: Summer Finch

You never know what might happen

You never know what might happen. I purchased insurance for my pet. When he got sick from eating spoiled food, they provided stomach pumping services practically free of charge. I recommend this company to everyone.
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4

out of 5

POSTED: | BY: LeonarddweniSN

Technology and Ships

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5

out of 5

POSTED: | BY: Aleks Andra

Best insurance

I have to change my previous lower rating, which was due to my misunderstanding. This insurance is actually a great company. Very reliable and the agents are always a pleasure to speak with
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5

out of 5

POSTED: | BY: Nicola Murphy

I am a veterinary professional and this…

I am a veterinary professional and this by far is the best pet insurance I have dealt with. Very happy with this pet insurance company. Thank you Spot!
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Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, and postal code.

Coverage

Accidents & Illnesses, Hereditary & Breed Specific Conditions, Exam & Diagnostic Fees, Lab Tests, X-rays, Ultrasounds, Hospitalization & Surgeries, Medications & Therapeutic Diet, Physical & Rehabilitative Therapies, Alternative Treatments, and more! To view a full list of inclusions check out our sample policy here.

Payout Limits

Annual limit of $5,000, $10,000, $20,000, or Unlimited depending on the plan chosen.

Deductible

Age-based annual deductible of $100, $150, $200, $250 or $300.

Age Limits

  • Dogs: 8 weeks through 10 years, 11 months
  • Cats: 8 weeks through 12 years, 11 months
  • Accident Only plan option can be offered regardless of upper age limits

Waiting Period

  • Accident Only Plans: Next day coverage for eligible accidents
  • Named Peril Illnesses – 3 days
  • Accident & Illness Plans – 14 days

Exclusions

The most common types of conditions not covered are pre-existing conditions, breeding or pregnancy care, cosmetic surgeries and wellness coverage (optional wellness plans available as an add-on). To view a full list of exclusions check out our sample policy here.

Provider website

Spot Pet Insurance is committed to helping pets lead longer, healthier lives by providing pet insurance with affordable and customizable plan options. Plans cover accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost. Policyholders can use any licensed vet, including coverage eligible mobile and virtual vets.

Insurance plans are underwritten by Northbridge General Insurance Corporation and administered by PTZ Insurance Services Ltd. Insurance plans are marketed and produced by Spot Pet Insurance Services, ULC. All Pet Insurance plans have waiting periods, annual deductible, co-insurance, benefit limits and exclusions. Specific products, features, coverage limits, rates, and discounts may vary by province, eligibility, and are subject to change. Medical Conditions that are noted, symptomatic or diagnosed prior to enrollment, or during a waiting period are pre-existing to Coverage and not eligible for reimbursement. Coverage availability varies by province. Not available in Quebec. Preventive Care reimbursements are based on a schedule. Accident & Illness insurance reimbursements are based on eligible treatments and invoice amounts.

Provider website

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