Best Cat Insurance
in Canada

Q: How are My Premiums Calculated?

In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are the plan you choose, if you have included preventative care coverage or not, and the discounts for which you are eligible.

Q: What is a Pre-Existing Condition?

A pet’s illness or accident is considered pre-existing if the condition was onset before the pet insurance policy coverage effective dates, or during a waiting period. This means if the first signs or symptoms of a condition showed up before coverage started, it would be considered pre-existing to coverage, even if it was not formally diagnosed. The most common reason why an illness or an accident is not covered by any pet insurance provider is if the condition was present before coverage started. For coverage to be available with almost all types of insurance, the problem must be new and unexpected. For example, if typical symptoms of allergies (itchy skin, ear infections) were present before the coverage was effective or appeared within the waiting period of the policy, the allergies and related conditions, such as itchy paws and pyoderma, would be pre-existing to coverage.

Q: Is Dental Coverage Included?

Most Spot Pet Insurance programs don’t offer dental coverage. For full details about what types of dental treatments can and cannot be covered, please review the terms and conditions of your plan.

Q: What Are the Age Requirements?

You can enroll puppies as young as 8 weeks of age and adult pooches up to 10 years old. Kittens may be enrolled as young as 8 weeks of age and cats up to 12 years old. Once your pet is enrolled, they can stay on their Spot policy for life. Dogs 12 and over and cats 13 and older can be enrolled in an Accident policy. In cases where you don't know your pet's age, please estimate based on available medical records, shelter or rescue documentation.

Q: Are Annual Check-Ups and Vaccines Covered? What About Spaying or Neutering?

Routine and preventative care treatments, such as annual wellness check-ups, vaccines or other treatments such as spaying and neutering or dental cleanings are not part of regular Accident & Illness plan coverage and are not available with an Accident plan’s coverage. If you are interested in adding on this type of coverage for a little bit more each month, call to learn more about our optional wellness riders, available to add on to most Accident & Illness policies.

Get up to 90% cashback on Vet bills*
Visit any Licensed Vet in Canada & the U.S.
Up to 10% OFF Multi-Pet Discount¹
Save up to $1,500 on Pet Essentials⁵

Check Pricing

A woman with a ponytail gently pets an orange-and-white cat on a white couch.

Top Rated Pet Insurance Plans for Cats

Spot pet insurance offers affordable cat insurance plans that can help cover your cat and kitten from head to tail, providing support to help you ensure they receive the best pet health care at all times.

Teal silhouette of a sitting cat with a red heart featuring a white heartbeat line in front of it, symbolizing pet health or veterinary care.

When they’re sick

Get pet insurance for cats, including coverage for diagnostics, treatments, and prescription medication for covered conditions.

A teal paw print inside a white circle is centered over a red medical cross, symbolizing veterinary care or pet health services.

When they’re hurt

Spot plans cover emergency care, surgery, and rehab for cats injured in unexpected accidents, helping you ensure their health.

A teal hand is open with the palm facing up, holding or supporting a red heart above it.

When they’re healthy

Keep up with routine wellness exams, vaccines, and more with optional Preventative Care benefits you can add to your plan.

Check Pricing

What Do Spot Cat Insurance Plans Cover?

Spot offers two main plans: Accident & Illness and Accident Only. You can add an optional Preventive Care plan for added benefits

Plan Options

eligible diagnostics and treatments for costly accidents and illnesses:

Vet Exam Fees

X-rays & Tests

Emergencies & Hospitalizations

Skin, Eye, and Ear Infections

Hereditary Conditions

Digestive Illnesses

Hip Dysplasia

Cancer & Growths

Vet Exam Fees

X-rays & Tests

Emergencies & Hospitalizations

Skin, Eye, and Ear Infections

Hereditary Conditions

Digestive Illnesses

Hip Dysplasia

Cancer & Growths

Infectious diseases & diseases from parasites

Orthopedic

Swallowed Objects & Toxins

Diagnostics & Treatments

Prescription Medications

Surgery & Specialized Care

Advanced Care

Alternative Therapies (e.g. Acupuncture)

Check Pricing

Preventative Care for Your Cat

Regular veterinary check-ups included in preventative care plans can help with the early detection of potential health issues. Timely identification enables prompt intervention, and can lead to more effective and less costly treatments in the future.

Early Detection

Early identification can help with potential health issues, which can lead to prompt intervention and improved treatment outcomes.

Disease Prevention

Vaccinations and preventative measures can help protect pets from common and serious diseases, helping ensure their overall well-being.

Care Cost Savings

Proactive care can help prevent costly treatments by addressing health concerns before they escalate, potentially saving both money and suffering.

Long-Term Health

Regular check-ups, vaccinations, nutrition, dental care, and preventative medications can contribute to a cat's overall health, longevity, and higher quality of life.

Behavioral Well-Being

Preventative care can support behavioral health, helping address issues early and fostering a harmonious relationship between cats and their owners.

Peace of Mind

Knowing that a cat can receive regular preventative care can help provide owners with peace of mind that they are actively contributing to their cat's health.

Check Pricing

Cat insurance that’s easy!

Spot makes it simple for pet parents to submit a cat insurance claim and receive reimbursement for eligible services.

Visit Any Licensed Vet

Yep! There are no vet restrictions. Visit any 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.

Just got a Kitten?

Spot Pet Insurance offers affordable kitten pet health insurance plans designed to cater to your feline friend at all stages of life.

Kitten Insurance

A man in a black tank top touches noses with a tabby cat by a window.

Cat Insurance Frequently Asked Questions

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

How are My Premiums Calculated?

What is a Pre-Existing Condition?

Is Dental Coverage Included?

What Are the Age Requirements?

Are Annual Check-Ups and Vaccines Covered? What About Spaying or Neutering?

We lead the Pack when it comes to Pet insurance

Get your Pet Enrolled Today!

Check Pricing

Follow us on Instagram

@GetSpotCovered

#LoveAtFirstSpot

Best Cat Insurance
in Canada