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What is Pet Insurance?
Pet insurance is designed to help pet parents cover the eligible costs of veterinary bills for their pet’s unexpected accidents and illnesses. Getting a pet insurance plan can help reimburse you for eligible expenses related to unexpected accidents, illnesses, and sometimes even routine wellness care if your provider offers a wellness add-on for an extra cost. With a plan from Spot Pet Insurance, pet parents can get up to 90% cash back on eligible vet bills!*
*Reimbursement is based on your pet’s age at enrollment and renewal.
Why is pet insurance important in Prince Edward Island?
Parasitic Infections
Pet owners on Prince Edward Island can face significant risks of parasitic infections in their pets, with heartworm and tick-borne diseases being major concerns. Dog owners are being urged to take precautions against heartworm, as recent data indicates that about 50 percent of the 150 dogs tested annually have been positive for the infection.¹ Additionally, the presence of American dog ticks, brown dog ticks, and lone star ticks on the island poses a threat, as these ticks can transmit Rocky Mountain fever.
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Anti-Freeze
As temperatures drop in Prince Edward Island, the use of antifreeze can become essential, but pet owners must be vigilant about the risks it poses to their animals. The toxic ingredient in antifreeze, ethylene glycol, is sweet-tasting and highly attractive to pets. Ingesting even a small amount can be deadly, causing severe kidney damage and other health issues.² To help protect pets, it is crucial to store antifreeze securely, clean up any spills immediately, and consider using pet-safe alternatives whenever possible.
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Accidents
Prince Edward Island's picturesque winters, while charming, can pose significant risks for pets due to icy conditions. Slips and falls on icy surfaces can lead to soft tissue injuries or even broken bones in dogs, just as they can in humans. Additionally, frozen bodies of water like ponds and lakes may not be strong enough to support the weight of a dog, resulting in dangerous falls through the ice. Pet parents must remain vigilant and exercise caution, never allowing their dogs to venture onto ice that isn't sturdy enough to support their own weight.
Read moreWhy We Recommend Pet Insurance in Prince Edward Island
At Spot Pet Insurance, we understand that every pet is different, and so are their needs. That's why Spot offers plan options with 4 tiers of coverage ranging form accident-only to accident and illness plans. We give each pet parent the ability to choose the coverage tier that best meets the needs of their pet and their budget. Pet parents can also add an optional Wellness Rider to any accident and illness plan for an extra cost, helping cover the eligible costs of certain routine care services.
Spot’s Wellness Riders
Spaying or Neutering: Take a proactive approach to your pet's health with coverage for this important procedure.
Core Vaccines: Help ensure your pet is protected against preventable diseases with coverage for routine vaccinations.
Wellness Exams: Stay on top of your pet's health with regular checkups and screenings, made easier with Spot's optional wellness add-ons.
Sources:
1.) “Dog owners urged to take precautions...” CBC, https://www.cbc.ca/news/canada/prince-edward-island/pei-canine-heartworm-cases-increasing-prevention-1.7005139, Oct. 24, 2023.
2.) “Baby, It’s Cold Outside!...” Canada West Veterinary Specialists, https://canadawestvets.com/2020/01/13/baby-its-cold-outside-antifreeze-and-your-pet/, n.d.
Prince Edward Island Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Prince Edward Island.
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?
You can visit any licensed veterinarian, specialty clinic, or emergency clinic in the US or Canada.
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 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.