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What is Pet Insurance?
Pet insurance can help safeguard your furry family’s health. Just like you may insure yourself and your loved ones, you deserve help getting peace of mind for your loyal companions. Vet bills for unexpected accidents or illnesses can quickly become overwhelming. That's where pet insurance can help. With numerous potential threats lurking around the corner, pet insurance can help you rest easy knowing your beloved pooch or kitty is covered.
Why We Recommend Pet Insurance in Manitoba?
Marijuana Ingestion
Since cannabis is legal for recreational use in Manitoba, pets may accidentally eat it. Marijuana is toxic to pets. Marijuana poisoning can make pets feel tired or cause them to vomit, feel restless, shake, or have trouble walking. The good news is that with the right treatment, most pets can get better quickly.
How Spot Plans Help Protect Your Pet
Swallowed Objects & Toxins
Spot accident and illness plans can cover digestive accidents or injuries, like swallowed toxins.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $2,340†
You Pay $360
Accidental Injuries
Manitoba’s outdoor environment can present dangers to your pet, such as poisonous plants, sharp objects, and wildlife encounters. Manitoba has many poisonous plants. They grow well in the area because of the wet climate. Pets can be at risk by ingesting these poisonous plants or other toxins while out on a walk or while playing outside. With a pet insurance plan, pet owners can feel secure about costs from unexpected accidents or illnesses.
How Spot Plans Help Protect Your Pet
Accident Coverage
Accident coverage will pay for costs related to injuries and emergencies from accidents. This includes bite wounds, cuts, and broken bones.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $2,160†
You Pay $340
Why Spot Plans?
Spot helps provide pet parents the flexibility to choose their pet’s coverage from one of 4 tiers. Tier 1 offers accident-only coverage, while tiers 2 – 4 offer accident and illness coverage for your pet. With multiple coverage options to choose from, pet parents have help finding the plan that best fits both the needs of their pet and their budget.
Spot’s Wellness Riders
Spaying or Neutering: Covered for an extra cost, as part of the optional wellness add-ons.
Core Vaccines: Staying up to date with vaccines helps your pet stay healthy as they develop and age.
Wellness Exams: Routine exams and screenings give your vet the opportunity to detect health issues in the early stages.
Pet insurance Made easy!
Spot makes it simple for pet parents to submit a pet insurance claim and receive reimbursement for eligible vet expenses in no time.
Visit Any Licensed Vet
Yep! There are no vet restrictions. Visit any vet in Canada or the U.S.
Submit Your Claim
Send us your bill online, via fax, or email.
Get Paid!
Get cash back for covered vet bills either by direct deposit or cheque – your choice.
Manitoba Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Manitoba.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Do All Vets Take Spot Pet Insurance?
Yes, you can visit any licensed veterinarian, specialty clinic, or emergency clinic in Canada or the U.S. Learn how Spot Pet Insurance works with vet offices and clinics
What Does Pet Insurance Cover?
Pet insurance can put money back in your pocket for veterinary costs needed to diagnose, treat, and manage an eligible condition. Exams and rechecks, x-rays, ultra-sounds, bloodwork, surgeries, stitches, medication, and prescriptions, and even prescription diets are all examples of costs that can be claimed for if they are used to treat or diagnose a covered condition.
What is a Pre-Existing Condition?
A pet’s illness or accident is considered pre-existing if the condition was onset before the pet insurance policy coverage effective dates, or during a waiting period. This means if the first signs or symptoms of a condition showed up before coverage started, it would be considered pre-existing to coverage, even if it was not formally diagnosed. The most common reason why an illness or an accident is not covered by any pet insurance provider is if the condition was present before coverage started. For coverage to be available with almost all types of insurance, the problem must be new and unexpected.
For example, if typical symptoms of allergies (itchy skin, ear infections) were present before the coverage was effective or appeared within the waiting period of the policy, the allergies and related conditions, such as itchy paws and pyoderma, would be pre-existing to coverage.
How are My Premiums Calculated?
In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are the plan you choose, if you have included preventative care coverage or not, and the discounts for which you are eligible.
What if I Miss a Payment?
When a premium payment does not go through successfully, we will send you an email letting you know. If you know you’ve missed a payment please give us a call at 1-888-501-7768, or log in to your account at https://members.spotpetinsurance.ca/ to update your payment details. Premiums must be kept up to date for your policy to remain active.