Question 1

Is pet insurance worth it?

Accepted Answer

Like you, we love surprises, but some things are better off not being a surprise—like vet bills. Pet insurance is a financial safety net to protect pet parents from expensive vet bills before a crisis happens. Life happens, but you don’t need to worry about all the what-ifs. Just like humans, pets have accidents and get sick. Too often, a pet parent will realize the benefit of having insurance for their pet after an incident has taken place. Pet plans are less expensive the earlier you cover your pet.

Question 2

Does Spot Pet Insurance cover pre-existing conditions or breeds prone to certain genetic traits?

Accepted Answer

We care as much about you, as you care about your pet, which is why we encourage pet parents to get coverage sooner than later. Certain dog breeds are prone to health ailments more than others, which is why it’s important to insure your pet early before a medical condition is noted, symptomatic, or diagnosed prior to enrollment or within the Policy’s Illness waiting period. Plus, pet insurance helps to make you a better pet parent. Spot Pet Insurance plans may provide coverage for these hereditary traits from wet nose to waggy-tail, and the earlier you enroll your pet the better, the sooner you can get back to doing the things you love with your pet. Dogs can be enrolled in a pet plan at 8-weeks of age and up to 10-years 11-months of age. Kittens can be covered as early as 8-weeks to 12-years 11-months of age. However, once a problem manifests, it may be considered pre-existing, which will not be covered by a pet insurance provider. If you have a pet over the ages listed above, please call us at 1-888-501-7768 to learn about Accident Only coverage options.

Question 3

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

Accepted Answer

Claims processed faster than you can say, “Off the couch, Rover". Spot plans reimburse up to 90% of claims — keeps that vet bill anxiety in check/less stress. How much money is paid and on which type of claim depends on the Maximum Annual Limit, Co-Insurance and Deductible selected for the policy purchased on your pet.

Question 4

How much does Spot Pet Insurance cost, and should I still get coverage for my pet if I can’t afford it?

Accepted Answer

We want you to focus on the joys of pet parenting, and worry less about vet bills. Spot Pet Insurance has several coverage options that you and your pet will both love. To find out how we can help you, please contact one of our licensed insurance representatives Monday – Thursday 8am-9pm EST and Friday 8am-7pm EST at 1-888-501-7768 or email customercare@spotpetinsurance.ca.

Question 5

What happens if I sign up for a pet insurance policy, and later realize that I don't have enough coverage for my pet?

Accepted Answer

You take care of your pet; Spot pet insurance will take care of you — we have your back. To make changes to your pet plan, contact us Monday – Thursday 8am-9pm EST and Friday 8am-7pm EST at 1-888-501-7768 or email customercare@spotpetinsurance.ca. Any change is subject to underwriting and our approval. Certain changes may result in a new enrollment, which would terminate your existing Policy.

Question 6

Where is Spot Pet Insurance accepted?

Accepted Answer

While we know that laughing together is the best medicine, Spot Pet Insurance covers: ● diagnosis ● testing and treatment of covered accidents and illnesses ● veterinary visits ● laboratory tests ● x-rays ● MRIs ● CAT scans ● hospitalization ● prescription food ● prescription medications

Question 7

How do I submit a claim?

Accepted Answer

We love to help you pay for your vet bills, and we have made it easy peasy, puppy squeezy for you. Fill out your claim form in your Customer Portal, and include a legible itemized vet invoice, and your pet’s medical records. Once completed, claims are processed in the swish of a tail, so you can focus on more important things like doga in the park. What if I don’t have all the required documents to submit a claim? Life can get busy at times, but if one or more parts of your claim are missing, or illegible, we will be unable to proceed with processing your claim until the file is completed.

Question 8

Do you accept paper claims?

Accepted Answer

No, paper claims are no longer accepted. If you are unable to submit your claim form on your Customer Portal, you can generate a barcode for your claim. Print the barcode with your claim form and all supporting documents. You can send it to us by fax or email. If you are having technical issues or problems using your Customer Portal, please contact us Monday – Thursday 8am-9pm EST and Friday 8am-7pm EST at 1-888-501-7768 or email customercare@spotpetinsurance.ca for assistance.

Question 9

Can I send a screenshot of the claim form barcode?

Accepted Answer

While we prefer you use our Customer Portal, if you cannot, you can email your claim using your cell phone with copies of all supporting documents sent as a .pdf or .jpeg file. If you are having technical issues or problems using your Customer Portal, please contact us Monday – Thursday 8am-9pm EST and Friday 8am-7pm EST at 1-888-501-7768 or email customercare@spotpetinsurance.ca for assistance.

Frequently asked questions

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?