Spot Canada | Pet Insurance Review


out of 5

Number of reviews 147

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.

out of 5

POSTED: | BY: Justin Rahaman

Best Pet Insurance!!

Spot is the best Pet Insurance, super easy to get a quote, everything was explained in a clear matter, and customer service was helpful!

out of 5

POSTED: | BY: jeneen scolaro

Best pet insurance

So happy I decided to go with Spot Pet Insurance! The process to get a quote was super easy! Their customer service was great for all my first time questions about how pet insurance works! I recommend Spot Pet Insurance to all my friends & family who are pet owners!

out of 5

POSTED: | BY: Kenzie Taylor

Love this company! Thank you Spot for making it so easy to protect my pup & save money all at once!!

I was hesitant about the idea of pet insurance, but thinking back on how much I've spent over the years on vet bills, it seemed like a no-brainer. I went to Spot's website and got a quote for free before even registering. It was so nice to see my coverage options before putting down a credit card. I feel so at ease knowing that I'm saving money and giving my dog the best care all at once. This company is very easy to work with, as well as has an online presence and many customers, which is something I look for in companies I am giving my money. Thank you Spot for making it so easy to cover my best friend! I will continue to recommend this pet insurance to all my friends who are also pet parents!!

out of 5

POSTED: | BY: chance hochstein

Little to no coverage and terrible customer service

BEWARE! I made a huge mistake enrolling with spot pet insurance. They denied my claim for my dogs torn CCL surgery because they deemed it “pre-existing” because she tore her CCL on the opposite leg 4 years ago. This insurance is a scam and be careful, I used to have FIGO and I regret ever switching. Now I’m stuck with a bill even though my vet provided a letter stating it was not pre-existing.

out of 5

POSTED: | BY: Neva Smith

SPOT Insurance is the best to ME for ALL MY CATS

They are easy to use (after they get your Cats 1st Visit History anyways. Then they Pay pretty fast & pay a lot in my book. AND I pay a monthly low amount to all they pay. AND I love my Veterinary place too. They are kind, and gentle and do a good job handling my Pets.

Monthly Cost

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


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.


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


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 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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