Spot Canada | Pet Insurance Review


out of 5

Number of reviews 147

  • 60 Days
  • 1 Year
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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.

out of 5

POSTED: | BY: Mary Daigle

Exactly What Was Promised

I have had Spot for my kitty, Blue, for almost a year now and have been pleasantly surprised how seamless it has been. Every claim I've submitted is completed promptly and there have been multiple instances when I've contacted customer service with questions and they are helpful and friendly as can be! We recommend Spot to all of our pet friends!

out of 5

POSTED: | BY: Aaron Hamlin

Best in the game

Spot pet insurance has been very responsive and has paid claims very quickly. Highly recommend using them for you pet insurance needs!

out of 5

POSTED: | BY: Sandi Logeais

Ear infection

Gunner got an ear infection in May and in August got a sore by privates and feet bothered him and end of August another ear infection. Then he was diagnosed w allergies by vet August 24th, 2022. They told me he had allergies from May w/o vet diagnosis. Isn't that convient to blame everything on his 1st ear infection as allergies before a vets diagnosis. Wish I never would have believed the rating and their sweet talk to join their company. Now I'm stuck and can't go anywhere else. Bad company politics.

out of 5

POSTED: | BY: Laura Velez

Love spot!

Would recommend spot to everyone! Nothing but great experiences!

out of 5

POSTED: | BY: Devyn Kettner

Best Pet Insurance and Best Customer Service Team!

I recently got a new puppy and knew I needed pet insurance to help with the costs of exams, shots, and who knows what he might get into… he eats anything he can get his paws on!! The Spot team was able to help me find coverage that was perfect for my puppy and provide me with learning content as a new pet parent. Overall great customer service and friendly staff! I would recommend to anyone!

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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