Spot Canada | Pet Insurance Review

4.9

out of 5

Number of reviews 147

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Updated: November 13, 2023

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.
5

out of 5

POSTED: | BY: Jacqueline Sanabria

My first claims experience

I had my first experience making a claim for my cat Treasure. The claims were as expected and processed quickly. I have the claim form in my file with my vet so they can send it in for me. Thank you.
5

out of 5

POSTED: | BY: Guzel Timergaleeva

SPOT review...

We have been choosing insurance for our toy poodle Rosie for a very long time. We decided to choose the insurance company SPOT. Compared to other insurances, this company is better andalso cheaper; has a 90% coverage: accidents, illnesses and plus the health of the puppy. We have already had two complaints about our visits to veterenary clinic and insurance covered it, we are absolutely delighted. The claims were reviewed and reimbursed in a short time! We are very glad that we have chosen this insurance!
5

out of 5

POSTED: | BY: Jeffrey Dean

Thank you for being such a great asset...

Thank you for being such a great asset to pet owners. The service is timely and the follow through is wonderful. If you have questions the staff is easily accessible. The payments are direct deposited and go right into my bank account. I highly recommend this company. Again, thank you for serving us.
5

out of 5

POSTED: | BY: Wendy Kelso

New pet insurance

I didn't create any claims yet - just decided to purchase it for my beloved cat as he is getting older and you can never be too sure. I have read some great pet parent experiences about Spot Pet Insurance and hope I get the same. It was relatively easy to navigate the website and I loved how transparent the conditions are. I did some research and decided this was the one as I live in NYC and things can get pretty expensive; I purchased the annual one time payment because that's just how I prefer to pay. I hope I won't ever have to use it but just in case I do, I'll be prepared.
5

out of 5

POSTED: | BY: Zach Gassman

Quick and Easy

The claim process was pretty quick and easy. Got the reimbursement in about a week. I hope I don’t have to use the claims very often, but I am glad to know it’s there for me in case anything happens
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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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