Spot Canada | Pet Insurance Review

4.7

out of 5

Number of reviews 238

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.
1

out of 5

POSTED: | BY: Sabina Sarin

No compassion, bad service, and a rip off.

I have had the worst experience with Spot Pet Insurance. I entered information for my cats into their online portal. When I logged in later to submit a claim, I noticed that not only was my information NOT there, but the names of two of my (recently) DECEASED cats were in the system! (both of whom were NEVER covered by pet insurance). When I reported this to them, they had very little interest or compassion. It took 5 calls and 2 months to have their tech department remove this perturbing information and have the correct information inputted. They told me I would have to wait to file a claim but assured me I had 180 days to do so. When the unexplained "glitch" was finally corrected in the system, and I submitted a claim, they rejected it outright. So in essence, they stalled on removing information in their system for 2.5 months, had me pay unnecessary insurance fees while they took their time, only to then reject the claim. Multiple calls, multiple emails, horrible robotic service. A waste of time, and money.
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5

out of 5

POSTED: | BY: Negin

The service was fast and great

The service was fast and great. Thank you very much!
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5

out of 5

POSTED: | BY: Alex Young

Great experience so far

Straight forward process to submit claims and quick turnaround for reimbursement. Great experience so far. I have recommended Spot Insurance to other pet owners.
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5

out of 5

POSTED: | BY: Corry Matwychuk

They are wonderful to deal with and I…

They are wonderful to deal with and I get my refund within days. I know I picked the right pet insurance for my cat Hemi. He’s in good hands with spot!
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5

out of 5

POSTED: | BY: Alyssa Englehart

The Best Insurance for Pet Owners!

I couldn’t be happier with Spot Pet Insurance! It’s the perfect choice for pet owners looking for a reliable, budget-friendly plan. I have two puppies, and I’ve already had to submit multiple claims—each one has been reimbursed without any hassle. The process is smooth, the coverage is great, and knowing my pets are protected gives me peace of mind. I highly recommend Spot Pet to anyone who wants quality insurance without breaking the bank!
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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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