PC vs Spot: Pet Insurance Comparison (2026)
A side-by-side comparison of PC Pet Insurance 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 3. That said, the right pick depends on your pet: PC is best for budget-conscious pet owners who shop at loblaws/pc stores and want to earn points, while Spot is best for pet owners whose pets have had curable conditions in the past, or who want behavioral/alternative therapy coverage.
| Feature | PC 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 | Yes | No |
| Curable pre-existing conditions | No | Yes |
| Avg. monthly cost (dog) | $35 | $55 |
| Available in Quebec | Yes | No |
| Multi-pet discount | 5% | 10% |
| Customer rating | 3.5/5 | 4.5/5 |
Spot
Pet owners whose pets have had curable conditions in the past, or who want behavioral/alternative therapy coverage
Get Spot QuotePC: Pros & Cons
- Most affordable starting prices ($10.95/mo dogs, $9.95/mo cats)
- Earn PC Optimum points on premiums
- Four plan tiers for different budgets
- Covers exam fees
- Available in all provinces
- 6-month waiting period for orthopedic conditions
- No mobile app for claims
- Changing plans requires new application
- Limited online reviews
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
PC vs Spot: FAQ
Is PC or Spot better for pet insurance in Canada?
Spot comes out ahead on more of our scored factors (4 vs 3), but the best choice depends on your pet. PC is best for Budget-conscious pet owners who shop at Loblaws/PC stores and want to earn points. 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, PC or Spot?
PC 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, PC or Spot?
Average monthly premiums for a dog are about $35 with PC and $55 with Spot. Your actual price depends on your pet's age, breed, and location.
Are PC and Spot available in Quebec?
PC is available in Quebec. Spot is not available in Quebec.
More comparisons
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