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What is Pet Insurance?
Pet insurance can be a valuable tool for helping maintain a pet’s health. Vet bills for unexpected accidents or illnesses can be costly, but pet insurance can help mitigate these expenses for eligible vet bills. Pet insurance can help provide additional peace of mind, letting pet parents feel more secure in knowing their pet is protected.
Why We Recommend Pet Insurance in Pet Insurance Alberta?
Tick-Borne Diseases
Pet parents in Alberta need to be particularly vigilant about ticks and tick-borne diseases. While often associated with warmer climates, ticks are becoming increasingly prevalent in Alberta, posing a risk to both pets and humans.¹ One of the most concerning tick-borne illnesses is Lyme disease, which can infect dogs through a bite from an infected tick. Initially, you might notice a large, round, red rash around the bite site on your dog. However, if left untreated, Lyme disease can lead to severe infections in the skin, joints, muscles, heart, and even the nervous system.²
Read moreHow Spot Plans Help Protect Your Pet
Tick Borne Disease
Spot accident and illness plans can cover vet care costs associated with Tick-Borne disease such as diagnostic testing, medications like antibiotics or anti-parasitics, and supportive care for symptoms such as fever, lethargy, and joint pain. Preventive measures, such as tick control treatments and vaccines.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,440†
You Pay $260
Wildlife Encounters
Pet owners in Alberta need to be extra cautious about wildlife encounters. Alberta has the highest number of wildlife attacks per capita in Canada, with a rate of 1 in 1,144 people. In fact, Alberta records more attacks than all other provinces combined.³ While some of these encounters may be minor, many can be aggressive, involving contact with people, pets, or property. This means that keeping your pet leashed and under control during outdoor activities is crucial, especially in areas known for wildlife activity.
Read moreHow Spot Plans Help Protect Your Pet
WildFire Encounters
Spot accident and illness plans can cover required vet care associated with pet's exposure to wildfires such as smoke-induced breathing issues, eye irritation, and dehydration
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,440†
You Pay $260
Antifreeze
Pet parents in Alberta need to be extremely cautious with antifreeze, a common household product that poses a serious risk to pets. While antifreeze is effective for de-icing windshields and cooling vehicles, it's incredibly toxic to dogs. Its sweet taste and smell can be alluring to pets, but even a small amount ingested can be fatal.⁴ Therefore, Alberta pet parents should always store antifreeze in tightly sealed containers and keep it well out of reach of curious pets.
Read moreHow 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 $1,440†
You Pay $260
Spot Plans: A Comprehensive Guide to Pet Insurance
In today's world, pets are more than just companions; they're family. And like family, they deserve the best care possible. That's where Spot Plans come in.
Spot offers a range of pet insurance plans designed to provide peace of mind for pet owners. With four coverage levels, from accident-only to comprehensive accident and illness, there's a plan to suit every pet and budget.
What's Covered with Spot® Pet Insurance Plans?
Spot offers affordable plans to give you peace of mind and reliable coverage for your pet from nose-to-tail, providing pet insurance plans that offer everything necessary to help your pet can receive the best care at the vet in case of unexpected emergencies, illnesses and routine wellness checkups.
Accident & Illness
Spot Pet Insurance covers anything from emergencies to exams for qualified illnesses and related treatment.
Eligible exam fees
Cancer, Diabetes
Respiratory infections
Accident Only
Head-to-tail Pet coverage for unexpected emergencies, with next-day accident coverage guaranteed.
Surgery & Hospitalization
Swallowed objects
Toxic ingestion
Preventive Care Add-Ons
Optional Preventive Care plans focused on pet routine care and regular check-ups at the vet.
Dental cleaning
Spaying or Neutering
Annual wellness exams
Pet Insurance Alberta Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Pet Insurance Alberta.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
What is Pet Insurance?
Pet insurance is a type of coverage that helps offset the cost of veterinary care for your pet. It can help in covering vet expenses related to accidents, illnesses, and preventive care. By having pet insurance, you can protect your pet's health and potentially avoid significant financial burdens in case of unexpected medical needs.
What is the Difference Between an Emergency, an Illness and an Accident?
An accident is a situation where an external influence causes harm to your pet. Examples of accidents are falls from a height, cuts, blunt force trauma, and poisoning.
An illness is a situation where some part of your pet’s body is not functioning properly or has not developed normally. This could include things like vomiting and diarrhoea, skin disease, diabetes, or arthritis.
An emergency is any situation in which your pet needs immediate medical attention. Emergencies can occur because of a severe or sudden illness, like a seizure or bloat, or they can occur because of an accident or trauma.
Many accidents are emergencies, but not all emergencies are accidents. Many sudden-onset illnesses originate from a problem within the body and require emergency care.
What Are the Three Types of Pet Insurance?
There are three primary types of pet insurance coverage:
Accident-Only Coverage: Accident-only plans offer basic coverage for veterinary expenses related to the treatment of unexpected accidents like injuries from falls, fights, or car accidents. The most affordable plan option, it typically includes vet exam fees, diagnostics like X-rays and MRIs, surgery, hospitalization, medications, and some alternative therapies. Learn more about accident-only coverage.
Accident and Illness Coverage: This more comprehensive plan includes everything covered under accident-only plans, plus veterinary expenses related to illnesses. This can encompass a wide range of health issues such as infections, hereditary conditions, cancer, diabetes, and even behavioral problems. Learn more about accident and illness coverage.
Wellness/Preventive Care Coverage: Preventive care coverage cannot be purchased alone; it's an add-on to a base plan (either accident-only or accident and illness). It helps cover routine and preventive care services such as vaccinations, annual check-ups, dental cleanings, and flea/heartworm prevention.
Choosing the right type of pet insurance depends on your pet's age, breed, lifestyle, and your budget. Accident-only plans are usually recommended for young, healthy pets or those on a tight budget. Accident and Illness plans offer more comprehensive protection, especially as pets age and become more prone to health problems. Wellness coverage is a valuable addition for pet parents who may want help managing the costs of routine care, and new pet parents interested in coverage for spay or neuter procedures.
Will pet insurance save me money?
Many pet owners don’t realize the benefits a pet insurance plan could give them until they need it. There is no telling when an unexpected accident or illness will happen, or how much the cost will be. We believe in preparing for these uncertainties with a pet insurance plan, so you can stress less about those high vet bills. Besides, your pet insurance plan is something you hope you won’t have to use.
What determines the cost of my pet insurance premium?
There are multiple factors that can affect the cost of a pet insurance premium including the age and breed of your pet, your location, and your plan configuration. Spot’s accident-only and accident and illness base plans can be customized by selecting a deductible, reimbursement rate, and annual limit from a variety of options, each which help configure the cost of your monthly premium. Selection of an optional preventive care add-on or eligibility for a multipet discount can also affect the cost of your premium.