Pets Plus Us vs Spot: Pet Insurance Comparison (2026)
A side-by-side comparison of Pets Plus Us 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 2. That said, the right pick depends on your pet: Pets Plus Us is best for budget-conscious pet owners, especially costco or caa members, while Spot is best for pet owners whose pets have had curable conditions in the past, or who want behavioral/alternative therapy coverage.
| Feature | Pets Plus Us 2.1/5 | Spot 4.5/5 |
|---|---|---|
| Max reimbursement | 90% | 90% |
| Max annual limit | $15,000 | 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 | No | No |
| Curable pre-existing conditions | No | Yes |
| Avg. monthly cost (dog) | $45 | $55 |
| Available in Quebec | Yes | No |
| Multi-pet discount | 5% | 10% |
| Customer rating | 2.1/5 | 4.5/5 |
Spot
Pet owners whose pets have had curable conditions in the past, or who want behavioral/alternative therapy coverage
Get Spot QuotePets Plus Us: Pros & Cons
- Affordable premiums
- Costco members get preferred rates + first month free
- CAA members get 13.5% discount
- Flex Care covers pre-existing conditions
- No lifetime limits on claims
- Doesn't cover dental or alternative therapies in base plan
- Doesn't cover exam fees
- Complaints about premium increases at renewal
- Claims processing can be slow
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
Pets Plus Us vs Spot: FAQ
Is Pets Plus Us or Spot better for pet insurance in Canada?
Spot comes out ahead on more of our scored factors (4 vs 2), but the best choice depends on your pet. Pets Plus Us is best for Budget-conscious pet owners, especially Costco or CAA members. 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, Pets Plus Us or Spot?
Pets Plus Us 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, Pets Plus Us or Spot?
Average monthly premiums for a dog are about $45 with Pets Plus Us and $55 with Spot. Your actual price depends on your pet's age, breed, and location.
Are Pets Plus Us and Spot available in Quebec?
Pets Plus Us is available in Quebec. Spot is not available in Quebec.
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