What Does Pet Insurance Cover?
We know your pet is unique with one-of-a-kind needs, that’s why Spot offers affordable pet insurance plan options with multiple annual limit amounts so you can choose the plan that fits your budget and needs.
Essential Tips for Savvy Pet Parents:
Consider these tips to help enhance your experience with pet insurance
What is the waiting period?
Waiting periods begin the day after you purchase your policy and last until your coverage's effective date. Typically, any illness, disease, injury, or change to your pet's health that first occurs or shows symptoms before coverage is effective is considered pre-existing and is not eligible for coverage. Get a quote to learn more about waiting periods for different types of coverage.
Which vets can I use?
With a Spot plan you can take your pet to any vet in Canada or the U.S., including specialists and emergency clinics. Spot plans do not use networks, giving pet parents the freedom to select the best clinic for their pet. Spot offers multiple plan options to help cover unexpected accidents and illnesses. You can also add on preventative care coverage for an extra cost for coverage on eligible spaying or neutering costs.
Preventative Care
Coverage for our optional preventative care add-ons begins just 24 hours after purchase, allowing you to use your preventative benefits almost immediately. These add-ons help cover routine check-ups, microchip implantation, and vaccinations, helping your pet get essential care. Spot's approach prioritizes immediate access to care, reflecting our commitment to your pet's well-being.
Submitting claims is easy
Once you visit your vet, submit your claim in the member center, by email, or via fax. Make sure you include any necessary documentation. Reimbursements for eligible claims can be paid either via direct deposit or a cheque, whichever you prefer. Our helpful customer service representatives are available to answer any questions you may have.
Accident
Spot plans help you ensure your pet is covered from head-to-tail for unexpected accidents and injuries.
Wellness
Spot's optional Preventive Care plans focus on routine care and regular check-ups to help ensure their routine wellbeing.
Behavioral
Spot plans may cover behavioral issues, including training for anxiety, aggression & other compulsive behaviors.
What do Spot pet insurance plans cover?
Spot offers two main plans: Accident & Illness and Accident Only. You can add on optional Preventative Care coverage to an Accident and Illness plan as well.
Vet Exam Fees
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Digestive Illnesses
Hip Dysplasia
Cancer & Growths
Vet Exam Fees
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Digestive Illnesses
Hip Dysplasia
Cancer & Growths
Infectious diseases & diseases from parasites
Orthopedic
Swallowed Objects & Toxins
Diagnostics & Treatments
Prescription Medications
Surgery & Specialized Care
Advanced Care
Alternative Therapies (e.g. Acupuncture)
Preventative Care for Your Pet*
Coverage for routine check-ups is offered through our preventative care plans, which can help with the early detection of potential health issues in pets. Timely identification helps enable prompt intervention and can lead to more effective and less costly treatments in the future.
Early Detection
Early identification can help with potential health issues, which can lead to prompt intervention and improved treatment outcomes.
Disease Prevention
Vaccinations and preventative measures can help protect pets from common and serious diseases, helping ensure their overall well-being.
Cost Savings
Proactive care can help prevent costly treatments by addressing health concerns before they escalate, potentially saving money & suffering.
Long-Term Health
Regular check-ups, vaccinations, nutrition, dental care, and preventative medications can contribute to a pet's overall health, longevity, and quality of life.
Behavioral Well-Being
Preventative care can help support behavioral health, and help address issues early while fostering a harmonious relationship between pets and their owners.
Peace of Mind
Knowing that a pet can receive regular preventative care can help provide owners with peace of mind that they are actively contributing to their pet's health.
Pet insurance Made easy!
Spot makes it simple for pet parents to submit a pet insurance claim and receive reimbursement for eligible services.
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.
What Does Pet Insurance Not Cover?
Pet insurance can play a vital role in helping safeguard your pet's health, covering a spectrum of unexpected accidents and illnesses. But most pet insurance plans do not cover the following:
Pre-existing Conditions
Grooming
Funeral Costs
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
