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.
Visit Any Vet
Yep! There are no vet restrictions. Visit any licensed vet in Canada or the U.S.
Submit Your Claim
Send us your bill online, via fax, or email.
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
Illnesses
Spot Pet Insurance plans help cover diagnostics, treatments, and meds for unexpected illnesses.
Cancer & growths
Respiratory illnesses
Skin, eye, & ear infections
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
See Why we are Canada's Best Pet Insurance
Happy Pet Parents Trust Spot
No issues with our claim-orange cat things
We had to use our insurance because.. orange cat things lol It was smooth, no issues claiming our emergency visit.
My first claim went very smoothly
My first claim went very smoothly! The staff are very helpful if you have any problems. Very happy with spot pet insurance and to know they are a Canadian company!
Fast, affordable, with no hassle! Great Pet Insurance company!
I am extremely happy with spot pet insurance. I have tried multiple pet insurance companies...and this is by far the best. Submitting claims with the others was painful and tedious... It took weeks to receive any type of refund. I paid thousands and thousands into 24pet watch Canada for my dogs entire life...only to have to fight tooth and nail for pennies back. I've only been with Spot Canada for 9 months or so...and received full refunds for emergency care within a couple of days... Submissions are beyond easy to complete. I totally recommend them. Better rates then I paid in the past, fast refunds, easy submission forms... Nobody wants to worry about how they are going to afford their next vet visit. Spot makes things easy and worry free. Totally recommend!
I submitted a claim and had it…
I submitted a claim and had it processed within 3 days …..remarkable & the costs is very affordable ….highly recommend
My pup got really sick and incurred…
My pup got really sick and incurred over $3,000 in vet bills with surgery, etc…. I submitted my vet bills signed by my vet, and received my claim funds within 3 days of their decision. Way to go Spot
Very good service
Very good service
Great coverage!
The coverage really helped with a very high unexpected vet bill for my kitty. It was very helpful to have great insurance coverage.
Easy Hassle-free Experience
My claim was processed exactly as described in my policy, with no issues or hassles.
I’m very satisfied with this pet…
I’m very satisfied with this pet insurance. I’m really happy with how they handled my claim and reimbursed my veterinary expenses quickly and efficiently. The whole process was smooth, and their customer service was very helpful.
No issues with any claims with my pup
No issues with any claims with my pup. Having a you g dog, you never know what can happen. So happy to have insurance.
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?