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.
PC is no longer available to new customers (as of 2026). PC Pet Insurance is no longer available to new customers. PC Insurance now offers home and auto insurance only (PC Financial was acquired by EQ Bank's parent EQB in 2026). If you're shopping for pet insurance, compare the active providers below — Desjardins and Petsecure use the same underwriting family (Petline) with a similar plan structure. This comparison is kept for reference and for existing policyholders.
Quick Verdict
Spot wins by default: PC is no longer available to new customers, so Spot is the only one of the two you can actually buy today. It's best for young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier.
| Feature | PC 3.5/5 | Spot 4.5/5 |
|---|---|---|
| Max reimbursement | 80% | 90% |
| Max annual limit | Unlimited | $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 | Yes | No |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $35 | $85 |
| Available in Quebec | Yes | No |
| Multi-pet discount | 5% | 5% (2 pets), 10% (3+ pets) |
| Customer rating | 3.5/5 | 4.5/5 |
PC
No longer accepting new customers — see our comparison of active providers for alternatives
No longer sold — see alternativesSpot
Young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier
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
- 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
PC vs Spot: FAQ
Is PC or Spot better for pet insurance in Canada?
PC comes out ahead on more of our scored factors (4 vs 3), but the best choice depends on your pet. PC is best for No longer accepting new customers — see our comparison of active providers for alternatives. 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, 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 $85 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
This page contains affiliate links. We may earn a commission if you buy a policy through our links, at no extra cost to you. Coverage details are reviewed regularly; always confirm current terms with the provider before purchasing.