Desjardins vs Spot: Pet Insurance Comparison (2026)
A side-by-side comparison of Desjardins and Spot Pet Insurance for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
Quick Verdict
Across our scored factors, Spot wins 4 to 1. That said, the right pick depends on your pet: Desjardins is best for pet owners who want to bundle with other desjardins insurance or need french-language service, while Spot is best for pet owners whose pets have had curable conditions in the past, or who want behavioral/alternative therapy coverage.
| Feature | Desjardins 3.5/5 | Spot 4.5/5 |
|---|---|---|
| Max reimbursement | 80% | 90% |
| Max annual limit | Unlimited | Unlimited |
| Accident waiting period | 48 hours | None (coverage starts next day) |
| Illness waiting period | 14 days | 14 days |
| Direct vet pay | No | No |
| Exam fees covered | No | No |
| Curable pre-existing conditions | No | Yes |
| Avg. monthly cost (dog) | $55 | $55 |
| Available in Quebec | Yes | No |
| Multi-pet discount | 5% | 10% |
| Customer rating | 3.5/5 | 4.5/5 |
Desjardins
Pet owners who want to bundle with other Desjardins insurance or need French-language service
Get Desjardins QuoteSpot
Pet owners whose pets have had curable conditions in the past, or who want behavioral/alternative therapy coverage
Get Spot QuoteDesjardins: Pros & Cons
- Backed by major Canadian financial institution
- Bilingual service (English/French)
- Gold plan offers unlimited coverage with wellness
- Bundle discounts with home/auto
- Available in all provinces including Quebec
- 6-month waiting period for orthopedic conditions
- Deductible increases with pet's age
- Bronze plan is quite limited
- Doesn't cover exam fees
Spot: Pros & Cons
- Curable pre-existing conditions covered after 180 days symptom-free
- No accident waiting period (starts next day)
- Behavioral and alternative therapy included in base plan
- Flexible coverage options (4 levels)
- 10% multi-pet discount
- Not available in Quebec
- Knee/ligament conditions have bilateral exclusion
- US-based company
- Doesn't cover exam fees
Desjardins vs Spot: FAQ
Is Desjardins or Spot better for pet insurance in Canada?
Spot comes out ahead on more of our scored factors (4 vs 1), but the best choice depends on your pet. Desjardins is best for Pet owners who want to bundle with other Desjardins insurance or need French-language service. Spot is best for Pet owners whose pets have had curable conditions in the past, or who want behavioral/alternative therapy coverage.
Which has a shorter waiting period, Desjardins or Spot?
Desjardins has a 14 days illness waiting period and 48 hours for accidents. Spot has a 14 days illness waiting period and none (coverage starts next day) for accidents.
Which is cheaper, Desjardins or Spot?
Average monthly premiums for a dog are about $55 with Desjardins and $55 with Spot. Your actual price depends on your pet's age, breed, and location.
Are Desjardins and Spot available in Quebec?
Desjardins is available in Quebec. Spot is not available in Quebec.
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