Spot Canada | Pet Insurance Review


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.

out of 5

POSTED: | BY: Emma Vann

We love Spot

Spot has made taking our dog to the vet easy and not stressful! Now I can give Dixie the care she deserves without worrying about bills. The enrollment was easy and clear and we customized it to our needs.

out of 5

POSTED: | BY: Renee Truman

Thank you Spot

Very happy to have Spot to cover my dog in his senior years as he requires daily medication and frequent vet visits. Happy I can provide him the care he needs in his golden years for a good quality of life without worrying about exorbitant costs.

out of 5

POSTED: | BY: Jenny Lee

Best Purchase EVER

My mom pushed me to buy Spot a while ago when i told her it was offered as a benefit with my company. I am glad she did!! It came in handy over Christmas when in an attempt to protect my house from the FedEx guy my dog slipped down our stairs and broke his leg! Using the plan was easy and getting money back was even easier! Can’t recommend them enough!

out of 5

POSTED: | BY: Rick Sanchez

The Spot Family is the best!

The Spot Family offers amazing prices, the wellness plans are a personal favorite! Claims are paid quickly and customer service is also very swift and polite!

out of 5

POSTED: | BY: Rusty Shackleford


The price is good and the wellness plans put money in our pocket each time we take our two Aussies to the vet. Claims are paid promptly and they have fast service on live chat. There's not much more you can ask for than that.

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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