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Frequently asked questions

Here you will find answers to some commonly asked questions about our coverage.

Most commonly asked

What do I need to know before I choose coverage?

What kinds of pets are covered?

What does pet insurance cover?

What are the age requirements?

What is not covered?

What is Accident coverage?

What is the difference between an emergency, an illness, and an accident?

What is Illness and Accident coverage?

What is a pre-existing condition?

Is there anything I can do to avoid pre-existing condition exclusions?

What are waiting periods?

Are annual check-ups and vaccines covered? What about spay or neutering?

How much does Spot insurance cost?

Will my premium change each year?

Will you change my premium if I claim?

What is co-insurance?

What is a deductible?

What does ‘eligible’ mean?

Can I use my own veterinarian?

Is pet insurance the same thing as provincial medical care?

Is dental coverage included?

Why is a cruciate/patella/lameness injury considered an illness?

What is alternative medicine?

What is a named peril?

I use my pet for breeding – do you offer reproductive coverage?

What are Additional Benefits?

If I reach maximum benefits on my Accident or Illness and Accident policy, are additional benefits still available?

My pet is healthy – why should I buy pet insurance?

Couldn’t I just put money aside every month to save for unexpected veterinary costs?

My vet mentioned that my dog’s breed is prone to hip dysplasia but hasn’t had any issues yet. Can I still get insurance?

I want to buy pet insurance but I'm worried that I might not be able to afford it.

Is pet insurance worth it for mature pets?

Do you offer discounts?

Can I purchase wellness coverage on its own?

How can I pay?

What are medical records? What if I don’t have them?

How much time do I have to submit a claim?

How much money will I get back when I make a claim?

How will claims be paid? Can you pay my vet directly?

I got my update claim status, but what does it mean?

How will I know when my claim is complete? How can I see a breakdown?

How will I know if my pet’s treatment will be covered?

How do I submit a wellness claim?

Can my vet submit my claim for me?

What if I disagree with the outcome of a claim?

Should I claim if the invoice is less than my deductible?

Can I still submit a paper claim?

How can I submit a claim?

Why do I need to print the barcode when submitting my claim by fax or email?

Why is my claim on hold?

I forgot to add in invoice to my claim! Now what?

What if I need more coverage?

Can I transfer my policy to a new owner?

Can I change my policy?

What if I miss a payment?

How do I add another pet to my policy?

Can I have more than one policy for my pet?

Will you drop my coverage if my pet gets sick or old?

What happens if I max out my coverage?

Can I cancel at any time?

What about wellness?

My pet died, what happens to my insurance?

What end-of-life treatments are covered?

Should I cancel my policy right away after my pet’s passing?

Will I get premiums back when my pet passes?

Spot Pet Insurance Canada

Spot Pet Insurance, we believe pets make us better humans. We strive to support pet parents and their furry family members from wet nose to waggy-tail with comprehensive products, services, and plans. Pet insurance you both will love.

Pets Make Us Better People

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