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: Anais Whey

Countess von Noodles Is Eternally Grateful

Countess von Noodles looks the dog park. Unfortunately, the dog park does not always love her back. We took her to get her zoomies out after New Year's. Someone awful person left broken glass everywhere. Countess von Noodles had to get seven stitches. Not a great way to start the year. :( Spot took care of everything. Here's hoping there aren't anymore nasty surprises for the rest of the year.

out of 5

POSTED: | BY: Kevin Tierra

Simplest process I’ve been through

I’d recently purchased a policy with Spot for my dog Chauncey. Chauncey is a little older, so the vet bills have added up over the years. I got Spot pet insurance about 5 months ago & thank goodness I did. Chauncey had accidentally swallowed a sock and the surgery was around $2,700 just before Christmas!! I was able to get 80% of that back with Spot and I couldn’t be happier. 10/10

out of 5

POSTED: | BY: Chris Gonzalez

I don't know where I would be without Spot!

Without Spot, I would've had to pay way too much for my puppy's vet bills! Thank you Spot for saving the day!!

out of 5

POSTED: | BY: Scott Litherland

Fantastic Experience

Signing up is super easy and the coverage is explained in easy terms. I haven’t used the insurance yet but will update this review when I do.

out of 5

POSTED: | BY: Troy Fargo

Spot makes vet bills a breeze

Spot is so easy to use and get reimbursed fast when I have to take my German Shepard to the vet. I really like that I can file a claim via the app and I truly feel like I've joined a family of pet parents that care about their furry friend's wellbeing.

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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