Spot Canada | Pet Insurance Review

4.9

out of 5

Number of reviews 147

  • 60 Days
  • 1 Year
  • Lifetime
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  • 4.9
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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: Frank Balisteri

MY experience was great

MY experience was great. Just joined Spot Pet Insurance this year. Had another pet Insurance for years but they out priced themselves. I was really surprised how fast my claim was processed and how easy it was to receive re-reimbursement through direct deposit.
5

out of 5

POSTED: | BY: David Clark

Be careful, big names you know may have comparable pricing but from the Vet/consumer standpoint, not the easiest to deal with!

Fantastic and easy process. Spoke with many Vets and be carful, while you may find some recognizable names in Pet Insurance at comparable pricing they are not always recognized as the easiest to deal with. Spot got 5 stars from everyone I spoke with.
5

out of 5

POSTED: | BY: Terry Craig

Easy to navigate

Easy to navigate; very informative. All pricing spelled out so you know what you’re getting
5

out of 5

POSTED: | BY: James McAuliffe

The enrollment process was excellent

The enrollment process was excellent. It's too early to tell how the claims service is.We had Nationwide with our first English Bulldog. They were great in payouts but their service was a little slow. We now have a new 12 week old English Bulldog baby girl. We heard about Spot and decided to try it.
5

out of 5

POSTED: | BY: Della Dossey

Simple and just what I was looking for

The online quote tool was super easy to use and the policies were clearly listed and easy to understand. The only thing that was misleading is that preventative care was covered in the initial price because of the chart that is on the website checking off all the care that is covered, but it doesn’t show until later that the option to add preventative care is an additional fee. Overall great prices and customer service!
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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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