Fetch vs Spot: Pet Insurance Comparison (2026)
A side-by-side comparison of Fetch 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, Fetch wins 3 to 2. That said, the right pick depends on your pet: Fetch is best for pet owners who want comprehensive coverage with exam fees included and flexible options, while Spot is best for young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier.
| Feature | Fetch 2.5/5 | Spot 4.5/5 |
|---|---|---|
| Max reimbursement | 90% | 90% |
| Max annual limit | Unlimited | $20,000 |
| Accident waiting period | None | None (coverage starts next day) |
| Illness waiting period | 15 days | 14 days |
| Direct vet pay | No | No |
| Exam fees covered | Yes | No |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $68 | $85 |
| Available in Quebec | No | No |
| Multi-pet discount | 5% | 5% (2 pets), 10% (3+ pets) |
| Customer rating | 2.5/5 | 4.5/5 |
Fetch
Pet owners who want comprehensive coverage with exam fees included and flexible options
Get Fetch QuoteSpot
Young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier
Get Spot QuoteFetch: Pros & Cons
- No waiting period for accidents
- Covers exam fees (saves $50-$250 per visit)
- Choice of 70% or 90% reimbursement
- Fast claims processing (2 days)
- No upper age limit
- Not available in Quebec or New Brunswick
- 180-day waiting period for orthopedic conditions
- Not Canadian-owned
- Premiums can increase significantly with age
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
Fetch vs Spot: FAQ
Is Fetch or Spot better for pet insurance in Canada?
Fetch comes out ahead on more of our scored factors (3 vs 2), but the best choice depends on your pet. Fetch is best for Pet owners who want comprehensive coverage with exam fees included and flexible options. 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, Fetch or Spot?
Fetch has a 15 days illness waiting period and none for accidents. Spot has a 14 days illness waiting period and none (coverage starts next day) for accidents.
Which is cheaper, Fetch or Spot?
Average monthly premiums for a dog are about $68 with Fetch and $85 with Spot. Your actual price depends on your pet's age, breed, and location.
Are Fetch and Spot available in Quebec?
Fetch is not available in Quebec. Spot is not available in Quebec.
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