Spot Canada | Pet Insurance Review


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.

out of 5


Best insurance on the market

The process to onboard with Spot was super easy. We have total piece of mind for our family of pets. I would recommend them to everyone that has a dog. Thanks Spot team!!

out of 5

POSTED: | BY: Stephanie Roy

My dog has allergy issues - found a good plan for her

I have two dogs, one with major allergies issues, and decided to look into pet insurance for all of her medical expenses. When I went to the Spot Pet Insurance website, I was surprised at how easy it was to use their quote tool and how quickly I got a quote. Their plans were solid and I decided on one that worked for my dog. Highly recommend!

out of 5

POSTED: | BY: Samuel Nielsen

Easy, simple, kind

I've never had pet insurance before so there were a lot of questions. I really appreciated the Spot team providing clear, simple answers. They helped me understand what to look for in pet insurance and we identified the right plan. This was easy, the process was simple, and the customer service rep was kind. Give them a call yourself.

out of 5

POSTED: | BY: Grace Gurucharri

Grateful for Spot Pet!

After my sweet boxer puppy, Macho, had been sick and in and out of the vet for months, I knew I needed to look into some health care coverage for him. The vet bills had stacked up and I couldn’t risk Macho getting sick again. I am so thankful I found Spot Pet insurance because I have peace of mind knowing that Macho is covered at our favorite local vet and can get the proper health care he needs!

out of 5

POSTED: | BY: Mere

Spot's quote process was super easy and...

Spot’s quote process was super easy and when I got my policy for my Shepard mix Luna they even called to welcome us :-)

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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