Spot Canada | Pet Insurance Review


out of 5

Number of reviews 147

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 4.0
  • 4.9
  • Count
  • 0
  • 4
  • 147

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: Lexie Alpeter

Great Customer Service

We got Spot for our flat coat Albus and we have been lucky enough that he hasn’t needed to use his accident coverage. We got the preventative package too and just got reimbursed for one of his wellness visits. Customer service has been great and submitting our claim was a breeze! We love Spot 🐶

out of 5

POSTED: | BY: .Marge Destler


SPOT avoids payment. They've danced around me over $756. For three months. Tryi to wear you down .

out of 5



Company never responds to claims. I placed 2 claims for my cat's treatment. Neither one has been processed. Nobody ever answers their phone. Put on permanent hold and left my phone number for call back which never happened. Never even received the promised gift card for signing up. Will report to the State Insurance Commissioner.

out of 5

POSTED: | BY: Arti Ravichandran

Happy that I chose Spoit

We bought Max home when he was 3 months. I did some research on pet insurance and went with SPOT in the same month. Had a good experience with them while shopping and they walked me over the policy and answered all my questions and did not push me at all. He started having allergies within 4 months and we had to take him to vet often for his medications. He also had some GI issues. I have filled all of my claims including prescription food and got good service with SPOT and got reimbursed for their part. I am able to afford and keep Max happy only because SPOT is supportive. Also when I contact their customer service, I get a good response and members are respectful and caring. I am happy that I chose SPOT. The only reason I gave 9 rating instead of 10 is the time for the claims to be processed. They do process within the said time and no delays so far but once we submit the claim, it just says processing and it is a waiting game. I wish we could have some updates so we know what is going on.

out of 5

POSTED: | BY: Jacky Ferro

Counter Surfing Covered

I had no idea that counter surfing qualified as a behavioral issue, SPOT reimbursed me $500 for my dog's training! They also reimbursed me $2000 when my poor Lou ate tin foil out of the trash and had to get it removed by a vet. This is by far the best pet insurance on the market, I highly recommend everyone get SPOT!

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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