Spot Canada | Pet Insurance Review

4.9

out of 5

Number of reviews 147

  • 60 Days
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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: Victoria Ross

Great Coverage

I just rescued a cat last week. Wanted to have pet Insurance just Incase. Very informative website, easy to apply on line. Preventive cost is very reasonable which I added. Now days with the high cost of vet bills I do recommend protecting your pet. Thank you Spot.
5

out of 5

POSTED: | BY: Patrick Leeper

Straight forward

Straight forward, provided information on what I needed. Quick quote.
5

out of 5

POSTED: | BY: Carolyn Okeefe

Pet insurance is definitely a good choice!

I decided to get pet insurance that covered both accidents, surgeries, and routine check-ups because my dog is in surgery as I write this to remove kidney stones. Of course, this kind of surgery is not cheap. Rocco is a 4-year-old Pekingese mix that may in the future need dental surgery (not known yet). He was one of a few dogs that came from China 2 years ago due to overcrowded shelters and we couldn't have made a better choice to adopt him. Basically, he is a lady's dog. It doesn't matter if it's a human or dog, if its female he's interested. I believe that's why he picked us because my daughter (his favorite human) is a pretty girl.
5

out of 5

POSTED: | BY: Patty

Affordable pet insurance

I have not had to use the insurance as yet, but signing up for the policies was very easy. And it is less than what I was paying.
5

out of 5

POSTED: | BY: Rita

Excellent customer service

Spot's customer service was so very helpful during my registration. They answered all of my questions and helped me in selecting the best plan that would work within my budget.
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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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