Spot Pet Insurance Pet Insurance Review
Spot stands out with their policy on curable pre-existing conditions - if your pet is symptom-free for 180 days, previously excluded curable conditions may be covered again. They also include behavioral and alternative therapy in the base plan.
Quick Summary: Is Spot Pet Insurance Worth It?
Spot Pet Insurance offers 80% reimbursement with annual limits up to Unlimited. They also cover curable pre-existing conditions after 180 days symptom-free.Monthly premiums range from $20-$120 for dogs and $15-$65 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.
Curable conditions may be covered after 180 days symptom-free. Does NOT apply to knee/ligament conditions.
Spot Pet Insurance Pros
- 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
- No upper age limit
Spot Pet Insurance Cons
- Not available in Quebec
- Knee/ligament conditions have bilateral exclusion
- 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
- 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: 10%
- Military discount
- Veterinary professional discount
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: