Canada's Top-Rated
Pet Insurance

  • Get up to 90% back on vet bills

  • Visit any Vet in Canada & U.S

  • Up to 10% Multi-Pet Discount

  • Up to $1,500 in Pet Perks5

Pet Insurance you can count on, top rated by experts

How does pet insurance work?

With pet insurance from Spot, taking care of your pet is simple, stress-free, and way more affordable. 🐾 Whether it’s regular check-ups, unexpected accidents, or more serious treatments, pet insurance helps cover the cost so you don’t have to stress about big vet bills. Think of pet insurance as a safety net for your pet’s health. You visit any licensed vet, pay your bill, then submit a claim — and your pet insurance plan reimburses you based on your coverage. Easy.

From everyday care to emergencies, pet insurance gives you the freedom to say “yes” to the best care for your pet without worrying about the price tag.

1

Visit Any Vet

Yep! There are no vet restrictions. Visit any licensed vet in Canada or the U.S.

2

Submit Your Claim

Send us your bill online, via fax, or email.

3

Get Paid!

Get cash back for covered vet bills either by direct deposit or cheque – your choice.

6.Estimated Fees for Common Diagnostics and Procedures.” Veterinary Teaching Hospital, https://vth.upei.ca/avcvth-common-procedure-pricing/. Hypothetical vet bill and claim reimbursement. Reimbursement amounts may vary depending on the specific terms of the policy, including coverage selected, annual deductible, reimbursement rate, and annual limit. Individual experiences and outcomes may vary.

Spot plans help cover your pet from head-to-tail.

Accidents

Spot plans help cover anything from emergencies to exams for eligible accidents.

  • Vet exam fees

  • Swallowed objects

  • Broken bones

And More, See Coverage >

Illnesses

Spot Pet Insurance plans help cover diagnostics, treatments, and meds for unexpected illnesses.

  • Cancer & growths

  • Respiratory illnesses

  • Skin, eye, & ear infections

And More, See Coverage >

Wellness Add-Ons

Spot Preventive Care plans give cash back for covered exams, vaccines, and much more.

  • Routine Dental Care

  • Spaying or Neutering

  • Flea & heartworm prevention

And More, See Coverage >

See Why we are Canada's Best Pet Insurance

 
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No Waiting Periods for Accidents

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Multiple Pet Discounts for 2+ Pets

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Accident-Only Plan Option

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Prescription Food

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Most Providers

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Comparison information provided using publicly available information as of 3/5/24 for the purpose of summarizing program features, not a specific plan. Questions regarding other provider’s plans should be answered by contacting an agent of that company. It is our intention to reflect accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing customercare@spotpetinsurance.ca or by mailing PTZ Insurance Services Ltd. at 710 Dorval Drive, Suite 400, Oakville, ON, L6K 3V7.

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Frequently Asked Questions

Have any questions about pet insurance and how it works? Don't worry, we've got you covered.

Do all Vets take Spot Pet Insurance?

What Does Pet Insurance Cover?

When is the ideal time to get pet insurance for my pet?

What determines the cost of my pet insurance premium?

Why Spot is the Top Choice for Pet Insurance in Canada?