Petsecure vs Spot: Pet Insurance Comparison (2026)
A side-by-side comparison of Petsecure 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, Petsecure wins 4 to 3. That said, the right pick depends on your pet: Petsecure is best for pet owners who want predictable pricing that won't increase as their pet ages, while Spot is best for young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier.
| Feature | Petsecure 4.1/5 | 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) | $57 | $85 |
| Available in Quebec | Yes | No |
| Multi-pet discount | 10% (3+ pets), 15% (6+ pets) | 5% (2 pets), 10% (3+ pets) |
| Customer rating | 4.1/5 | 4.5/5 |
Petsecure
Pet owners who want predictable pricing that won't increase as their pet ages
Get Petsecure QuoteSpot
Young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier
Get Spot QuotePetsecure: Pros & Cons
- Premiums don't increase based on pet's age
- 30+ years in business - established Canadian company
- Four plan levels for different budgets
- Covers exam fees and taxes
- Wellness coverage available (Secure 4)
- 6-month waiting period for orthopedic conditions
- Co-insurance can be changed to 30-50% after claims
- Annual deductible increases with pet's age
- No direct vet pay option
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
Petsecure vs Spot: FAQ
Is Petsecure or Spot better for pet insurance in Canada?
Petsecure comes out ahead on more of our scored factors (4 vs 3), but the best choice depends on your pet. Petsecure is best for Pet owners who want predictable pricing that won't increase as their pet ages. 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, Petsecure or Spot?
Petsecure 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, Petsecure or Spot?
Average monthly premiums for a dog are about $57 with Petsecure and $85 with Spot. Your actual price depends on your pet's age, breed, and location.
Are Petsecure and Spot available in Quebec?
Petsecure is available in Quebec. Spot is not available in Quebec.
More comparisons
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