Pets Plus Us vs Spot pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-05-19).
The key differences
- Dental: Pets Plus Us — not covered; Spot — accidents only.
Side by side
| Feature | Pets Plus Us | Spot |
|---|---|---|
| Plan | Accident & Illness | Accident & Illness (Levels 2–4) |
| Price level | $$ Mid-range | $$ Mid-range |
| Reimbursement | 70/80/90% | 70/75/80/85/90% |
| Annual limit (max) | $15,000 | $10,000 |
| Deductible | Annual | Annual |
| Exam fees | Covered | Covered |
| Dental | Not covered | Accidents only |
| Pays vet directly | No | No |
Show all rows
| Feature | Pets Plus Us | Spot |
|---|---|---|
| Alternative therapy | Included | Included |
| Accident wait | 2 days | 1 day |
| Illness wait | 14 days | 14 days |
| Orthopedic wait | None extra | None extra |
| Wellness option | Yes | Yes |
| Multi-pet discount | 5% | 5% for 2 pets, 10% for 3+ |
| Enrollment age | No maximum enrollment age. | New policies: dogs up to 10, cats up to 12. |
| Availability | Sold in every province. | Not sold in Quebec. |