Spot Pet Insurance

Spot Pet Insurance: pet insurance for dogs and cats in Canada

Spot Pet Insurance is a pet insurance company that markets and underwrites plans in Canada through Spot Pet Insurance Services, ULC. Its plans are underwritten by Northbridge General Insurance Corporation and administered by PTZ Insurance Services Ltd. The company presents itself as a highly rated option by experts and customers, and its proposition focuses on reimbursing pet owners for part of the veterinary expenses of dogs and cats of all ages.

Coverage for accidents, illnesses, and preventive care

Spot's offering is structured in three parts. The first covers eligible accidents, including emergencies, vet exams, swallowed objects, and broken bones, among others. The second focuses on unexpected illnesses and covers diagnostics, treatments, and medications for conditions such as cancer and growths, respiratory illnesses, and skin, eye, and ear infections. The third is a preventive care add-on that reimburses expenses for exams, vaccines, routine dental care, spaying or neutering, and flea and heartworm prevention.

Reimbursement can reach up to 90% of covered vet bills, a percentage that depends on the pet's age at the time of enrollment and renewal. The policy includes an annual deductible, copay, benefit limits, and exclusions, and pre-existing medical conditions are not reimbursable.

How reimbursement works and freedom to choose your vet

Spot's model does not impose vet restrictions: the insured can visit any licensed veterinarian in Canada or the United States. The process consists of visiting the professional, paying the bill, and submitting the claim online, by fax, or by email. Once approved, reimbursement is paid by direct deposit or cheque, at the customer's choice.

Discounts and additional benefits

The company offers a multi-pet discount: 5% for two enrolled animals and 10% for three or more. It also provides access to discounts on pet product brands worth more than $1,500, subject to conditions and with no purchase obligation. Coverage includes reimbursements for eligible alternative therapies up to $1,000 per year, up to $25 per day and $500 per incident if the insured requires hospitalization longer than 48 hours, and advertising and reward expenses if the pet is lost or stolen.

Availability and conditions

Spot's plans are available in Canada, with variations by province, and are not sold in Quebec. Coverages, rates, and discounts may change based on eligibility and province. The company also operates in the United States.

Customer reviews

The site shows an average rating of 4.5 out of 5 based on 141 reviews. Testimonials highlight the speed of claim processing, with cases resolved in a few days, the ease of submitting bills, and the usefulness of coverage for high veterinary expenses. Some users emphasize that the company is Canadian and that the process is more streamlined than that of other insurers they had used previously.