Spot Canada | Pet Insurance Review


out of 5

Number of reviews 147

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 4.0
  • 4.9
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  • 4
  • 147

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.

out of 5

POSTED: | BY: Maria Soto

Peaches Loves Spot!

Have had Spot for my cat Peaches for 2 years now and the customer service has been consistently pleasant, submitting claims is easy, and MY LIFE is easier now that I can worry less about bills when I take her to the vet. Definitely recommend!

out of 5

POSTED: | BY: Justin Saint

Easy, Fast, Reliable

This is my first time using insurance for one of my dogs and its been quick and easy!

out of 5

POSTED: | BY: Carole Miller

Great Services that Save You Money!

Spot has been incredible for me and my 2 cats Luna and Smokey. First of all, the customer service reps are the most helpful, kind people I've experienced before which is rare to find for an insurance company. Second, the claims and reimbursements have been EASY and FAST. I can't believe it took me this long to start getting insurance for my pets but wow am I glad I did. I tell all my pet-parent friends that insurance is a MUST. Thank you Spot for taking care of my babies.

out of 5

POSTED: | BY: AnneMarie Triplett

Buyer beware!

Buyer beware! After paying Spot Pet Insurance for years, when our pet had to go to the emergency clinic, they refused to pay our claim even though we had 2 different veterinarians stating plainly (diagnosis and letters from the vets) that our dog had eaten something, then vomited, then aspirated some of the vomit, which caused aspiration pneumonia. They have steadfastly tried to get out of paying our claim despite what the vets said was an accident, insisting that they don't cover illnesses. They are trying to use a loophole to get out of paying the claim. Both vets clearly stated that pneumonia was SECONDARY to the accident and we have accident insurance. They are insisting the primary diagnosis was an illness, not an accident as the veterinarians diagnosed. This has cost us 4k and a whole lot of headaches going back and forth with Spot. Look elsewhere.

out of 5

POSTED: | BY: Maggie Holland


I adopted my pup Marvin earlier this year and immediately looked into Pet insurance because I am a college student. after researching different insurance plans, Spot seemed like the best option. I am so glad i signed up with spot when I did because Marvin ended up not being able to keep any food which led to many expensive vet visits. Spot was very helpful and timely with my claims.

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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