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, Spot 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 pet owners whose pets have had curable conditions in the past, or who want behavioral/alternative therapy coverage.
| Feature | Fetch 2.5/5 | Spot 4.5/5 |
|---|---|---|
| Max reimbursement | 90% | 90% |
| Max annual limit | Unlimited | Unlimited |
| 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 | Yes |
| Avg. monthly cost (dog) | $50 | $55 |
| Available in Quebec | No | No |
| Multi-pet discount | 5% | 10% |
| 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
Pet owners whose pets have had curable conditions in the past, or who want behavioral/alternative therapy coverage
Get Spot QuoteFetch: Pros & Cons
- No waiting period for accidents
- Covers exam fees (saves $50-$250 per visit)
- Flexible reimbursement options (70/80/90%)
- 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
- 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
Fetch vs Spot: FAQ
Is Fetch 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. Fetch is best for Pet owners who want comprehensive coverage with exam fees included and flexible options. 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, 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 $50 with Fetch and $55 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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