Spot Canada | Pet Insurance Review

4.7

out of 5

Number of reviews 277

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: Maxime Gowans

Terrible experience

In my experience in dealing with this company, they search for any possible loop holes that could present an opportunity to deny benefits. Even when presented eloquently with data and several documents from specialists in the field as well as confirmation from my family vet, they still denied claims much to everyone's surprise. Everything at this point would be pre-existing and thus pointless to switch, otherwise i would have a long time ago. In the future I will be more careful about who i choose to do business with.
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4

out of 5

POSTED: | BY: Andrew Petherick

Customer service is specific to your area code

So far our experience has been good. If you are from Ontario with a Quebec area code, you will be transferred to an Ontario rep. Unfortunately, they will not be able to help you and you will have to wait again on hold for help once they transfer you.
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5

out of 5

POSTED: | BY: Elie Benyammine

Very reliable company

Very reliable company, great customer service and almost instantly received my money back, thank you spot.
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5

out of 5

POSTED: | BY: Agnes Docherty

Love Spot Pet Insurance!

I only ever had one issue with a claim that was easily resolved and I didn't have to call in, I'm able to message them straight from my client portal. Super helpful and less time consuming!
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3

out of 5

POSTED: | BY: Emily

Price went up significantly

Price went up significantly, with having 3 dogs, you would think you would treat your loyal customers a little better. Will be researching other insurance companies.
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Monthly Cost

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

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

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.
Spot Canada Pet Insurance detail
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.
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