SPCA Pet Insurance Canada 2025: Full Review, Pros & Cons
Our expert's opinion on SPCA
SPCA Pet Health Insurance (Canada) is offered under four plans—Secure 1, Secure 2, Secure 3, and Secure 4—providing accident and illness reimbursement plus plan-specific customer benefits such as boarding, lost pet advertising, and cremation/burial expense coverage.
The policy standardly reimburses 80% of eligible veterinary costs after the deductible, with co-insurance starting at 20% and potentially increasing to 30–50% based on claims history; annual deductibles use two options (A and B) and rise with the pet's age, and preventive/wellness coverage is available only on Secure 4 while specific monetary limits are detailed in a Schedule of Maximum Amounts that was not included in the provided documents. Compared with major Canadian pet insurers, SPCA emphasizes broader illness and alternative-therapy coverage, age-indexed deductibles, and multi-tier plan choices, but does not publish pricing details in the provided materials.
Best suited for owners of young-to-middle-aged pets and those who value coverage for alternative therapies, behavioural treatment, and a top-tier preventive option.
The policy is underwritten by Petline Insurance Company; contact and claims channels include an online portal, pre-authorization, email, fax, and mail, but no public financial figures, premium volumes, Trustpilot score, or average reimbursement times were provided in the supplied documents.
- ✅Four plan tiers (Secure 1 to Secure 4)
- ✅Standard 80% reimbursement after deductible
- ✅Alternative therapies and behavioural treatment coverage
- ✅Preventive care option on Secure 4
- ✅Age-adjusted deductible structure with two options
- ✅Customer benefits (boarding, lost pet advertising, cremation)
- ✅Pre-authorization and online customer portal
- ❌No public pricing or premium transparency in documents
- ❌Co-insurance can increase to 50% with claims history
- ❌Specific monetary limits not included in provided materials
- ❌Broad exclusions for pre-existing and bilateral conditions
- ❌No customer reviews or reimbursement timeframes available
Score- ✅Four plan tiers (Secure 1 to Secure 4)
- ✅Standard 80% reimbursement after deductible
- ✅Alternative therapies and behavioural treatment coverage
- ✅Preventive care option on Secure 4
- ✅Age-adjusted deductible structure with two options
- ✅Customer benefits (boarding, lost pet advertising, cremation)
- ✅Pre-authorization and online customer portal
Our expert's opinion on SPCA
- ✅Four plan tiers (Secure 1 to Secure 4)
- ✅Standard 80% reimbursement after deductible
- ✅Alternative therapies and behavioural treatment coverage
- ✅Preventive care option on Secure 4
- ✅Age-adjusted deductible structure with two options
- ✅Customer benefits (boarding, lost pet advertising, cremation)
- ✅Pre-authorization and online customer portal
- ❌No public pricing or premium transparency in documents
- ❌Co-insurance can increase to 50% with claims history
- ❌Specific monetary limits not included in provided materials
- ❌Broad exclusions for pre-existing and bilateral conditions
- ❌No customer reviews or reimbursement timeframes available
Score- ✅Four plan tiers (Secure 1 to Secure 4)
- ✅Standard 80% reimbursement after deductible
- ✅Alternative therapies and behavioural treatment coverage
- ✅Preventive care option on Secure 4
- ✅Age-adjusted deductible structure with two options
- ✅Customer benefits (boarding, lost pet advertising, cremation)
- ✅Pre-authorization and online customer portal
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SPCA Guarantees
SPCA Pet Health Insurance is offered in four plans (Secure 1, Secure 2, Secure 3 and Secure 4) underwritten by Petline Insurance Company. All plans provide reimbursement for veterinary services related to accidents and illnesses, with a standard reimbursement model of 80% (policyholder pays 20% co‑insurance) after the annual deductible; the co‑insurance percentage may be increased to 30%, 40% or up to 50% based on claims history. Deductibles are annual, age‑based and increase as the pet ages, with two deductible option sets detailed in the policy wording.
Monetary limits for specific coverage types (illness, accident per incident, dental, etc.) are defined in the Schedule of Maximum Amounts which was not provided; accident limits are calculated per incident and do not renew, while illness and many other benefits renew annually. Waiting periods apply: accidents 48 hours, illnesses and behavioural therapies 14 days, and certain conditions such as dental, cruciate ligament injuries and intervertebral disc disease carry a six‑month waiting period. Secure 4 explicitly includes preventive care benefits; other special benefits available across plans include alternative therapies, behavioural therapy coverage, medical devices (subject to prior approval), boarding fees for owner hospitalization, lost pet advertising and cremation/burial reimbursement.
The plans cover core clinical care — consultations, diagnostics, hospitalization, surgery and prescription medications that carry a valid Drug Identification Number (D.I.N.), VHP or NASC number. Strengths include a broad set of covered veterinary services (including alternative and behavioural therapies when authorised by a veterinarian), specified customer benefits not subject to deductible or co‑insurance (boarding fees, lost pet advertising, holiday cancellation, cremation/burial) and an established regulated underwriter. Key weaknesses are the lack of publicly available Schedule of Maximum Amounts in the provided documents (making precise monetary limits unclear) and strict exclusion rules for pre‑existing, bilateral and certain congenital conditions; Secure 4 is the only plan that includes preventive care as standard.
| Secure 1 | Secure 2 | Secure 3 | Secure 4 | |
|---|---|---|---|---|
| Plan positioning | Entry to standard coverage within the product range | Mid-level coverage | Enhanced coverage | Premium coverage (includes preventive care benefit) |
| Type of coverage | Accidents and illnesses | Accidents and illnesses | Accidents and illnesses | Accidents and illnesses (plus preventive care per Schedule) |
| Animals covered (species) | Dogs and cats (policy tables reference dog/cat) | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate | Standard 80% (you pay 20%); co‑insurance may be adjusted to 30/40/50% based on claims history | Standard 80% (you pay 20%); adjustable | Standard 80% (you pay 20%); adjustable | Standard 80% (you pay 20%); adjustable |
| Annual reimbursement limit | N.C. (see Schedule of Maximum Amounts) | N.C. (see Schedule of Maximum Amounts) | N.C. (see Schedule of Maximum Amounts) | N.C. (see Schedule of Maximum Amounts) |
| Deductible (annual or per claim) | Annual, age‑based; Option A or B (see deductible table in policy) | Annual, age‑based; Option A or B | Annual, age‑based; Option A or B | Annual, age‑based; Option A or B |
| Age limits for enrollment | N.C. | N.C. | N.C. | N.C. |
| Pre-enrollment health questionnaire | N.C.; policy notes exclusions if no comprehensive exam in prior 12 months | N.C. | N.C. | N.C. |
| Waiting periods (accident / illness) | Accident: 48 hours / Illness: 14 days; dental/cruciate/IVDD: 6 months | Accident: 48 hours / Illness: 14 days; dental/cruciate/IVDD: 6 months | Accident: 48 hours / Illness: 14 days; dental/cruciate/IVDD: 6 months | Accident: 48 hours / Illness: 14 days; dental/cruciate/IVDD: 6 months |
| Lifetime coverage | N.C. | N.C. | N.C. | N.C. |
| Consultations (vet visits) | Covered for insured conditions | Covered for insured conditions | Covered for insured conditions | Covered for insured conditions |
| Medications (prescription) | Covered if carrying a DIN, VHP or NASC number | Covered if carrying a DIN, VHP or NASC number | Covered if carrying a DIN, VHP or NASC number | Covered if carrying a DIN, VHP or NASC number |
| Hospitalization | Covered for insured conditions | Covered for insured conditions | Covered for insured conditions | Covered for insured conditions |
| Surgery | Covered for insured conditions | Covered for insured conditions | Covered for insured conditions | Covered for insured conditions |
| Diagnostic tests (imaging, lab work) | Covered for insured conditions | Covered for insured conditions | Covered for insured conditions | Covered for insured conditions |
| Dental care | Treatment for insured dental problems reimbursed (annual limit in Schedule); routine preventive dental not generally covered | Same as Secure 1 | Same as Secure 1 | Same as Secure 1; preventive services may be included under Secure 4 per Schedule |
| Preventive care | Not included (except where Secure 4 Schedule specifies) | Not included | Not included | Included per Schedule of Maximum Amounts (Secure 4 only) |
| Alternative medicine (physio, acupuncture, laser) | Covered if performed or authorised by a veterinarian; annual limit in Schedule | Covered if performed or authorised by a veterinarian | Covered if performed or authorised by a veterinarian | Covered if performed or authorised by a veterinarian |
| Travel coverage (holiday cancellation, travel‑related benefits) | Holiday cancellation reimbursement included (conditions apply); no explicit routine travel veterinary treatment limit provided | Same as Secure 1 | Same as Secure 1 | Same as Secure 1 |
| Civil liability (third-party liability) | N.C. | N.C. | N.C. | N.C. |
| Euthanasia (medically recommended) | Covered when medically recommended for an insured condition | Covered when medically recommended for an insured condition | Covered when medically recommended for an insured condition | Covered when medically recommended for an insured condition |
| Death & cremation coverage | Cremation/burial cost reimbursed (including one keepsake urn) if death due to insured condition | Same as Secure 1 | Same as Secure 1 | Same as Secure 1 |
| Theft or loss + search expenses | Lost pet advertising and reward reimbursed with prior approval (limits in Schedule) | Same as Secure 1 | Same as Secure 1 | Same as Secure 1 |
| Boarding fees (owner hospitalization) | Up to $25 per day while owner hospitalised (conditions apply) | Up to $25 per day while owner hospitalised | Up to $25 per day while owner hospitalised | Up to $25 per day while owner hospitalised |
The policy contains standard exclusions: pre‑existing conditions (any sign, symptom or treatment before the policy start or during waiting periods) are excluded, and bilateral conditions are treated as pre‑existing on the opposite side if one side was present prior to or at inception. Congenital conditions visible at a pre‑policy exam are excluded, and many elective, preventive and cosmetic procedures are not reimbursed except where Secure 4 specifically lists preventive items. Medications without a valid identification number (D.I.N., VHP or NASC) are not covered.
Key limitations include the automatic increase of annual deductibles as pets age and the insurer’s ability to adjust co‑insurance percentages based on claims history, both of which can raise out‑of‑pocket costs over time. The absence of the Schedule of Maximum Amounts in the provided materials prevents precise comparison of monetary sub‑limits across plans, and some benefits (civil liability, lifetime limits, explicit enrollment age caps) are not communicated in the available documents.
SPCA Exclusions
SPCA’s exclusions centre on standard clinical boundaries: pre‑existing or foreseeable conditions (any signs or symptoms before cover or during waiting periods), bilateral conditions treated as one condition, congenital issues evident prior to the start date (e.g., umbilical hernias), and pregnancy or breeding‑related conditions are not covered.
The policy explicitly excludes food (including prescription or therapeutic diets), medications without a Drug Identification Number (D.I.N.) or Natural Health Product number (N.H.P.), and costs not directly related to an insured accident or illness (elective treatments and certain transportation/house‑call fees).
Behavioural treatment exclusions are specific: while veterinary behavioural therapies are reimbursable, obedience/training classes, correctional devices, and treatment for coprophagia or other eating disorders are excluded — a notable distinction that allows clinical behavioural care but excludes non‑clinical or training interventions.
Other operational exclusions include conditions intentionally caused by the owner, coverage voided by incomplete prior medical history (no comprehensive exam within 12 months), and events arising from war, nuclear incidents or natural disasters.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing or foreseeable conditions (signs/symptoms before policy start or during waiting periods); bilateral conditions (opposite side considered pre‑existing); congenital conditions evident before start (e.g., umbilical hernia); pregnancy and breeding‑related conditions; feline illnesses diagnosed prior to start or during waiting period (FIP, FIV, FeLV). |
| Treatment & product limitations | Treatments not directly related to an insured accident or illness (elective procedures); any food including prescription/therapeutic diets; medications lacking a D.I.N. or N.H.P.; transportation or house‑call fees in lieu of in‑practice visits; euthanasia only if medically recommended for an insured condition. |
| Behavioural exclusions | Obedience or training classes; correctional devices; treatment for coprophagia and other eating disorders (note: veterinary behavioural consultations and vet‑referred certified behavioural therapy are covered). |
| Owner conduct & use | Accidents or illnesses intentionally caused by the owner; use of the pet for competitive, professional or business purposes unless pre‑approved. |
| Administrative & documentation | Conditions may be excluded if comprehensive pre‑policy exam within 12 months is missing (incomplete medical history); bilateral and recurrence rules applied per policy wording. |
| External / geographic exclusions | Conditions caused by war activities, nuclear incidents or natural disasters. |
SPCA Prices
SPCA’s pricing positioning in 2025 presents as mid-range: the standard 80% reimbursement and the availability of four tiered plans (Secure 1–4) align with mainstream market offerings, while the ability to adjust co‑insurance upward based on claims activity and age‑based increasing deductibles positions the product toward value‑conscious owners who accept cost sharing to control premiums.
The plan architecture — annual renewable illness limits listed in a separate Schedule of Maximum Amounts (N.C.), accident sub‑limits per incident, and a preventive care option on Secure 4 — means competitiveness depends less on headline reimbursement and more on the undisclosed monetary caps and deductible choices; the lack of published sample premiums or explicit maximums reduces price transparency versus traditional carriers.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Accident Profile | Price |
|---|---|
| Labrador Dog 1 year | $57.95 |
| Labrador Dog 3 years | $60.48 |
| Labrador Dog 7 years | $112.57 |
| Australian Shepherd Dog 1 year | $65.80 |
| Australian Shepherd Dog 3 years | $69.82 |
| Australian Shepherd Dog 7 years | $162.07 |
| French Bulldog Dog 1 year | $93.28 |
| French Bulldog Dog 3 years | $101.19 |
| French Bulldog Dog 7 years | $264.66 |
| European Cat 1 year | $34.36 |
| European Cat 3 years | $34.51 |
| European Cat 7 years | $58.38 |
| Maine Coon Cat 1 year | $50.46 |
| Maine Coon Cat 3 years | $50.69 |
| Maine Coon Cat 7 years | $52.59 |
| British Shorthair Cat 1 year | $43.65 |
| British Shorthair Cat 3 years | $43.84 |
| British Shorthair Cat 7 years | $58.38 |
SPCA Promo Codes
| SPCA Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
The SPCA Reimbursement Amount
Reimbursements with SPCA are calculated by subtracting your annual deductible from the eligible vet bill, then reimbursing 80% of the remaining amount under the Secure 4 plan.
✅ Example 1: Cruciate ligament repair (orthopedic surgery)
Total vet costs: $6,500 (surgery, hospitalization, diagnostics, medication)
Deductible amount to subtract: $400 (Secure 4, Option A for a 6-year-old dog)
Amount reimbursable after deductible with the Secure 4 plan: $6,500 – $400 = $6,100
80% of that amount reimbursed: $6,100 × 80% = $4,880
👉 You receive a reimbursement of $4,880.
ℹ️ *Certain orthopedic conditions may be treated as "illnesses" and count toward your annual illness limit; check your Schedule of Maximum Amounts.*
✅ Example 2: Dental extractions after trauma
Total vet costs: $1,200 (exam, extractions, anesthesia, medication)
Deductible amount to subtract: $200 (Secure 4, Option A for a 3-year-old cat)
Amount reimbursable after deductible with the Secure 4 plan: $1,200 – $200 = $1,000
80% of that amount reimbursed: $1,000 × 80% = $800
👉 You receive a reimbursement of $800.
ℹ️ *Dental treatment may be subject to specific annual sub-limits in the Schedule of Maximum Amounts; verify your dental maximums.*
✅ Example 3: Annual vaccinations and wellness bloodwork (preventive care)
Total vet costs: $220 (exam, core vaccines, basic bloodwork)
Deductible amount to subtract: $250 (Secure 4, Option A for a 2-year-old dog)
Amount reimbursable after deductible with the Secure 4 plan: $220 – $250 = $0
80% of that amount reimbursed: $0 × 80% = $0
👉 You receive a reimbursement of $0.
ℹ️ *Secure 4 offers preventive care coverage, but if the annual deductible exceeds the preventive bill you will not receive a reimbursement; check your chosen deductible and the preventive coverage limit.*
SPCA Assistance
SPCA provides an online customer portal and a pre‑authorization process to confirm coverage before treatments.
Claims can be submitted digitally, but no Payvet/Petcard‑style advance payment service is communicated.
There is no 24/7 emergency veterinary hotline, teleconsultation service, or explicit direct‑to‑vet payment network documented, which may limit support in urgent cases.
A toll‑free contact number and claim submission channels are available, but a dedicated mobile app and payment‑facility options are not communicated (N.C.).
| Assistance SPCA | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | Online customer portal is available for documents and claims. Dedicated mobile app not communicated (N.C.). |
| Paperless claims process | ✅ | Claims handled via online customer portal and email. Digital submission of claim forms and documents is supported. |
| Emergency vet service | ❌ | No 24/7 emergency veterinary line or teleconsultation service communicated. |
| Vet/clinic partner network | ❌ | No partner clinic network or direct‑to‑vet payment communicated. Pre‑authorization is available. |
| Coverage abroad | ❌ | N.C. |
Customer Reviews of SPCA
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 3.7/5 - 6,278 reviews |
This report summarizes 2025 customer feedback on the pet insurance of ASPCA Pet Health Insurance, compiled from its official Trustpilot page for a Canada-based audience. It presents only publicly visible information from the source.
Reviewers frequently highlight an easy claims submission process, quick reimbursements, and a user-friendly experience (including straightforward enrollment). Several comments also appreciate the ability to choose plans/pricing to fit pet needs and note helpful customer service in resolving questions.
Common concerns include claim denials (often tied to pre‑existing condition assessments or requested documentation), communication challenges or delays during claim reviews/appeals, and premium increases over time.
Here are some examples of customer reviews :
- M.A.C — 05 August 2025 “Not only is ASPCA a rescue organization, but their pet insurance is phenomenal. You get to choose your plan and price based on your pet's needs. Claims processing times are quick and reimbursement is accurate. We've had ASPCA pet insurance off and on for the last 20 years. There is no better insurance for your pet. We've recommended ASPCA pet insurance to multiple friends and family in this past year alone. We feel grateful to have ASPCA on our side.”
- Edith — 10 August 2025 “I've had pet insurance for decades, before 30 companies discovered the "new" market and jumped in. I debated changing from 10 years of Embrace (excellent company) to ASPCA. But as we are retired now, the equivalent coverage, with a lower premium, decided me. I did worry that service wouldn't be as good. But ASPCA has been great!At age one, my healthy Dane suddenly developed EPI. (His pancreas doesn't make the enzymes required to digest food.) He needs (expensive!) enzymes added to each meal - or he will starve. We buy enzymes every two months, and each claim is very quick, easy, and covered! Our premium went up 30% at age three. And will, as is normal, increase again as he ages. But I feel it is currently proportionate and a fair price for the risk and coverage.Our big boy is happy and active. :) And, with ASPCA's help, we can afford to keep him that way (without starving ourselves to pay the cost). I've been active in both showing and rescue for years. And now I tell every pet owner I meet to "get ASPCA - ASAP"!”.
- alexis — 17 August 2025 “my dog was prescribed a year long prescription for a particular diet food to treat crystals in her urine that caused bleeding and pain. she also only needs to have annual blood work per the veterinarian. aspca insurance denied medical food claim because they claim did not have enough medical records. this is not true. all of the documentation before the prescription and after were provided to aspca. i appealed the decision and waited over 2 months to hear back. nothing. i called and they re-opened the claim and i have to wait another 2 months for the decision. why do i have to wait and appeal if she has an active prescription and they have all the documentation to support this. do not use them for your fur babies.”
Contact SPCA
| SPCA Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Visit www.spcanspetinsurance.ca to view plan summaries and start an online subscription. |
| To request and track a reimbursement | Submit claims via the online customer portal (special claim forms available), or send claims to claims@petlineinsurance.com or fax 1‑866‑501‑5580. Include the completed claim form and the itemized veterinary invoice; additional medical records may be requested. Deadline for submitting claims: N.C. Tracking status and reimbursement method/timing: N.C. |
| To obtain a certificate of insurance | Request through the online customer portal or contact SPCA customer service by phone at 1‑844‑737‑7387. Channels for delivery (email, portal download, or mail) and required information for the certificate: N.C. |
| To contact assistance | Toll‑free phone: 1‑844‑737‑7387. Website: www.spcanspetinsurance.ca. Claims email: claims@petlineinsurance.com. Claims fax: 1‑866‑501‑5580. Mailing address: Nova Scotia SPCA Pet Health Insurance, 301‑600 Empress Street, Winnipeg, Manitoba R3G 0R5. Online customer portal and pre‑authorization requests are available. |
| To cancel my policy | Contact SPCA by phone at 1‑844‑737‑7387 or send a written request to the mailing address above. Whether cancellation can be completed via the online portal, required cancellation information, notice periods, and refund conditions: N.C. |
Visit www.spcanspetinsurance.ca to view plan summaries and start an online subscription.
FAQ
Do I have to pay upfront for veterinary fees with SPCA?
SPCA does not appear to offer a third‑party direct‑to‑veterinary payment system in the provided documents, so policyholders are expected to pay the veterinarian at the time of service.
You must submit your claim via the online customer portal, by email to claims@petlineinsurance.com, or by fax to 1‑866‑501‑5580 with the completed claim form and itemized invoice.
Additional medical records may be requested to assess the claim and validate coverage.
Specifics on claim submission deadlines and the usual reimbursement timing or method are N.C. in the documents provided.
For questions about pre‑authorization or billing, contact SPCA at 1‑844‑737‑7387 or use the online portal.
How do I cancel my pet insurance policy with SPCA?
You can cancel by contacting SPCA by phone at 1‑844‑737‑7387 or by sending a written cancellation request to the mailing address listed on the policy.
Provide your policy number, the pet’s name, and the effective date you want the cancellation to take effect.
Whether cancellation can be completed via the online portal and any required supporting documents is N.C. in the available materials.
Notice periods and details about prorated refunds or return of premium, if applicable, are N.C. in the policy excerpts provided.
Keep a written confirmation or acknowledgement of the cancellation for your records and follow up if you do not receive one.
What waiting periods apply to accident and illness coverage?
The policy documentation indicates that waiting periods and exclusions for pre‑existing conditions apply, but exact waiting period durations are not provided in the supplied materials.
Certain conditions are treated as pre‑existing if evident before coverage began, and some conditions noted for cats (FIP, FIV, FeLV) are excluded if present prior to inception or during the waiting period.
For accident versus illness distinctions and any potential no‑wait provisions for accidents, the specific timing terms are N.C. in the documents.
You should request confirmation of applicable waiting periods and any possible waivers at the time of quote or via pre‑authorization.
Pre‑authorization is available and can clarify whether planned treatments will be considered covered after any waiting period.
What are the reimbursement rates, deductibles and co‑insurance rules?
Standard reimbursement under SPCA Pet Health Insurance is 80% of eligible costs after the deductible is met, meaning the policyholder typically pays 20% co‑insurance.
The insurer may increase co‑insurance to 30%, 40% or up to 50% based on claims history, according to the policy excerpts.
Deductible options (Option A and B) and age‑banded deductible amounts are specified and automatically increase as the pet ages.
Exact deductible dollar amounts by age band are provided in the policy’s deductible table; check your quote or declarations page for the option chosen.
Confirm your chosen reimbursement level, deductible option, and any sub‑limits on services when you obtain a quote.
Are there annual limits or per‑incident caps I should know about?
The policy references a “Schedule of Maximum Amounts” that sets monetary limits per coverage type, but the specific limits were not included in the provided documents.
Illness coverage limits renew each annual policy period while accident coverage is calculated per incident and does not renew, which can affect claims for recurrent events.
Some benefits (e.g., boarding kennel fees, telehealth, behavioural therapy) have explicit annual sub‑limits referenced in the materials.
For full clarity on annual maxima and per‑incident caps, ask for the Schedule of Maximum Amounts when you request a quote.
Pre‑authorization can help determine whether a large planned treatment would be subject to those limits.
What common exclusions or eligibility rules should I be aware of?
The policy excludes pre‑existing or foreseeable conditions, bilateral conditions where one side was pre‑existing, and conditions evident at a first exam if there was no recent prior comprehensive exam.
General exclusions include preventive care (unless on Secure 4), food and prescription diets, spay/neuter, elective procedures, and injuries intentionally caused by the owner.
For cats, illnesses diagnosed with FIP, FIV or FeLV prior to the policy start or during the waiting period are excluded; pregnancy and related conditions are also excluded.
Medications without a D.I.N. or N.H.P. number are not reimbursed, and coverage for medical devices requires prior approval.
Review exclusions carefully in the policy wording and discuss any specific conditions or past care with SPCA before enrolling.
Do I have to pay upfront for veterinary fees with SPCA?
SPCA does not appear to offer a third‑party direct‑to‑veterinary payment system in the provided documents, so policyholders are expected to pay the veterinarian at the time of service.
You must submit your claim via the online customer portal, by email to claims@petlineinsurance.com, or by fax to 1‑866‑501‑5580 with the completed claim form and itemized invoice.
Additional medical records may be requested to assess the claim and validate coverage.
Specifics on claim submission deadlines and the usual reimbursement timing or method are N.C. in the documents provided.
For questions about pre‑authorization or billing, contact SPCA at 1‑844‑737‑7387 or use the online portal.
How do I cancel my pet insurance policy with SPCA?
You can cancel by contacting SPCA by phone at 1‑844‑737‑7387 or by sending a written cancellation request to the mailing address listed on the policy.
Provide your policy number, the pet’s name, and the effective date you want the cancellation to take effect.
Whether cancellation can be completed via the online portal and any required supporting documents is N.C. in the available materials.
Notice periods and details about prorated refunds or return of premium, if applicable, are N.C. in the policy excerpts provided.
Keep a written confirmation or acknowledgement of the cancellation for your records and follow up if you do not receive one.
What waiting periods apply to accident and illness coverage?
The policy documentation indicates that waiting periods and exclusions for pre‑existing conditions apply, but exact waiting period durations are not provided in the supplied materials.
Certain conditions are treated as pre‑existing if evident before coverage began, and some conditions noted for cats (FIP, FIV, FeLV) are excluded if present prior to inception or during the waiting period.
For accident versus illness distinctions and any potential no‑wait provisions for accidents, the specific timing terms are N.C. in the documents.
You should request confirmation of applicable waiting periods and any possible waivers at the time of quote or via pre‑authorization.
Pre‑authorization is available and can clarify whether planned treatments will be considered covered after any waiting period.
What are the reimbursement rates, deductibles and co‑insurance rules?
Standard reimbursement under SPCA Pet Health Insurance is 80% of eligible costs after the deductible is met, meaning the policyholder typically pays 20% co‑insurance.
The insurer may increase co‑insurance to 30%, 40% or up to 50% based on claims history, according to the policy excerpts.
Deductible options (Option A and B) and age‑banded deductible amounts are specified and automatically increase as the pet ages.
Exact deductible dollar amounts by age band are provided in the policy’s deductible table; check your quote or declarations page for the option chosen.
Confirm your chosen reimbursement level, deductible option, and any sub‑limits on services when you obtain a quote.
Are there annual limits or per‑incident caps I should know about?
The policy references a “Schedule of Maximum Amounts” that sets monetary limits per coverage type, but the specific limits were not included in the provided documents.
Illness coverage limits renew each annual policy period while accident coverage is calculated per incident and does not renew, which can affect claims for recurrent events.
Some benefits (e.g., boarding kennel fees, telehealth, behavioural therapy) have explicit annual sub‑limits referenced in the materials.
For full clarity on annual maxima and per‑incident caps, ask for the Schedule of Maximum Amounts when you request a quote.
Pre‑authorization can help determine whether a large planned treatment would be subject to those limits.
What common exclusions or eligibility rules should I be aware of?
The policy excludes pre‑existing or foreseeable conditions, bilateral conditions where one side was pre‑existing, and conditions evident at a first exam if there was no recent prior comprehensive exam.
General exclusions include preventive care (unless on Secure 4), food and prescription diets, spay/neuter, elective procedures, and injuries intentionally caused by the owner.
For cats, illnesses diagnosed with FIP, FIV or FeLV prior to the policy start or during the waiting period are excluded; pregnancy and related conditions are also excluded.
Medications without a D.I.N. or N.H.P. number are not reimbursed, and coverage for medical devices requires prior approval.
Review exclusions carefully in the policy wording and discuss any specific conditions or past care with SPCA before enrolling.
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