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, Pets Plus Us wins 3 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 young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier.
| Feature | Pets Plus Us 2.1/5 | Spot 4.5/5 |
|---|---|---|
| Max reimbursement | 90% | 90% |
| Max annual limit | $15,000 | $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) | $48 | $85 |
| Available in Quebec | Yes | No |
| Multi-pet discount | 5% | 5% (2 pets), 10% (3+ pets) |
| Customer rating | 2.1/5 | 4.5/5 |
Spot
Young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier
Get Spot QuotePets Plus Us: Pros & Cons
- Premiums don't increase as your pet ages
- Covers exam fees, taxes, and alternative/behavioural therapies
- Costco members get preferred rates + first month free
- CAA members get 13.5% discount
- Flex Care covers pre-existing conditions
- Deductible jumps with age ($100 becomes $300 at age 5, $500 at 10+)
- Doesn't cover routine dental care
- Claims processing can be slow
- No direct vet pay
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
Pets Plus Us vs Spot: FAQ
Is Pets Plus Us or Spot better for pet insurance in Canada?
Pets Plus Us comes out ahead on more of our scored factors (3 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 Young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier.
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 $48 with Pets Plus Us and $85 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.
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.