Spot Pet Insurance Review
Spot offers accident coverage that starts the very next day and includes behavioral and alternative therapy in the base plan. Note that Spot Canada uses an age-based structure: reimbursement starts at 90% for pets under 2 and steps down as your pet ages, and the deductible rises with age too.
Quick Summary: Is Spot Pet Insurance Worth It?
Spot Pet Insurance offers 80% reimbursement with annual limits up to $20,000.Monthly premiums range from $45-$185 for dogs and $30-$70 for cats.
Spot Pet Insurance Waiting Periods
All pet insurance has waiting periods before coverage starts. Here's what to expect with Spot Pet Insurance:
Pre-Existing Conditions Policy
Understanding how Spot Pet Insurance handles pre-existing conditions is crucial before enrolling.
Conditions noted, symptomatic, or diagnosed before enrollment or during a waiting period are excluded
Spot Pet Insurance Pros
- 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%)
- No upper age limit
Spot Pet Insurance Cons
- 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
- Doesn't cover exam fees
- No direct vet pay
What Spot Pet Insurance Covers
Core Coverage
- Yes Accidents
- Yes Illnesses
- Yes Hereditary conditions
- Yes Congenital conditions
- Yes Chronic conditions
- Yes Cancer
Medical Services
- No Exam fees
- Yes Prescriptions
- Yes Diagnostics (X-rays, MRI)
- Yes Surgery
- Yes Hospitalization
- Yes Emergency care
Dental & Therapies
- Yes Dental (accident)
- No Dental (illness)
- Yes Alternative therapy
- Yes Behavioral therapy
- Yes Physical therapy
Spot Pet Insurance Plans
Level 1 (Accident Only)
- Accidents only
- Lowest premium
- Fixed 80% reimbursement
- No wellness add-on available
Level 2
- Accidents & illnesses
- Wellness add-on available
Level 3
- Higher limits
- More comprehensive
Level 4
- Unlimited coverage
- Maximum protection
Claims Experience
- Processing Time:2-5 business days
- Direct Vet Pay:No - reimbursement only
- Mobile App:Available
- Submit via:app, online, email
Good reputation for fast claims. Known for comprehensive coverage and curable pre-ex policy.
About Spot Pet Insurance
- Headquarters:Miami, FL (US-based)
- Founded:2019
- Underwriter:Northbridge General Insurance Corporation
- Available in:ON, BC, AB, SK, MB, NS, PE, NL, YT, NT, NUNot available in: QC
Eligibility Requirements
- Minimum age: 8 weeks
- Maximum enrollment age: No limit
- No upper age limit for enrollment
- Any vet: Yes
- US travel coverage: Yes
Available Discounts
- Multi-pet discount: 5% (2 pets), 10% (3+ pets)
Ready to protect your pet with Spot Pet Insurance?
Get a personalized quote based on your pet's age, breed, and location.
Get Your Free QuoteCompare Other Pet Insurance Providers
See how Spot Pet Insurance compares to other top Canadian pet insurers:
Spot Head-to-Head Comparisons
Deciding between Spot and another insurer? See the detailed side-by-side breakdowns: