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 3 to 2. 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 young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier.
| Feature | Desjardins 3.5/5 | Spot 4.5/5 |
|---|---|---|
| Max reimbursement | 80% | 90% |
| Max annual limit | $20,000 | $20,000 |
| 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 | No |
| Avg. monthly cost (dog) | $72 | $85 |
| Available in Quebec | Yes | No |
| Multi-pet discount | 5% | 5% (2 pets), 10% (3+ pets) |
| 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
Young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier
Get Spot QuoteDesjardins: Pros & Cons
- Backed by major Canadian financial institution
- Bilingual service (English/French)
- Solid annual limits ($8,000 to $20,000)
- Bundle discounts with home/auto
- Available in all provinces including Quebec
- 6-month waiting period for dental, cruciate, and IVDD conditions
- Deductible increases with pet's age ($150 to $500)
- No unlimited coverage option
- Doesn't cover exam fees
Spot: Pros & Cons
- No accident waiting period (coverage starts next day)
- 90% reimbursement for pets enrolled under age 2
- Behavioral and alternative therapy included in base plan
- Wellness add-ons from $17/month
- Multi-pet discount (5-10%)
- Reimbursement drops as your pet ages (90% under 2, down to 70% over 10)
- Deductible also increases with age
- Not available in Quebec
- US-based company
Desjardins vs Spot: FAQ
Is Desjardins or Spot better for pet insurance in Canada?
Spot comes out ahead on more of our scored factors (3 vs 2), 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 Young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier.
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 $72 with Desjardins and $85 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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