Spot Pet Insurance Canada 2025: A Full Review
Our expert's opinion on Spot
Spot Pet Insurance Canada offers four main policy levels, from an accident-only Level 1 to comprehensive Levels 2–4 that cover accidents and illnesses.
Plans include Level 1 (accident only with a $20,000 annual limit) and Levels 2–4 (accident & illness with policyholder-selected annual limits such as $5,000 or $10,000); co-insurance (owner share) is age-based from 10% to 30% (insurer pays roughly 70%–90%), deductibles are age-based annual amounts (e.g., $100 under 2, up to $300 over 10) with Level 1 using a $100 once-per-term deductible, and optional wellness add-ons are available with sample monthly premiums of $17 (routine) and $35 (advanced).
Compared with main competitors, Spot emphasizes flexible annual limits, clear age-based deductibles and co-insurance, practical ancillary benefits (trip cancellation, lost pet recovery), and competitive sample pricing aimed at middle-market pet owners.
Best suited for young to middle-aged pets and owners seeking flexible limits, age-adjusted pricing, and optional wellness add-ons.
Spot is offered in Canada through PTZ Insurance Services, Ltd. (Oakville, ON) with a Trustpilot rating of 4.5 from 84 reviews; customers praise responsive service, smooth claims handling, and reimbursements often paid within a few days.
- ✅Four plan levels including accident-only and comprehensive
- ✅Age-based deductibles and co-insurance tiers
- ✅Policyholder-selected annual limits for flexibility
- ✅Optional wellness add-ons with sample pricing
- ✅Included non-medical benefits (trip cancellation, lost pet recovery)
- ✅24/7 online portal and pre-approval option
- ✅Travel coverage to continental USA (up to 182 days)
- ❌Pre-existing conditions broadly excluded
- ❌No direct billing option noted by customers
- ❌Dental disease excluded except accidental fractures
- ❌Repetitive preventable incidents limited after three occurrences
- ❌New policies unavailable for older dogs (>10) or cats (>12)
Score- ✅Four plan levels including accident-only and comprehensive
- ✅Age-based deductibles and co-insurance tiers
- ✅Policyholder-selected annual limits for flexibility
- ✅Optional wellness add-ons with sample pricing
- ✅Included non-medical benefits (trip cancellation, lost pet recovery)
- ✅24/7 online portal and pre-approval option
- ✅Travel coverage to continental USA (up to 182 days)
Our expert's opinion on Spot
- ✅Four plan levels including accident-only and comprehensive
- ✅Age-based deductibles and co-insurance tiers
- ✅Policyholder-selected annual limits for flexibility
- ✅Optional wellness add-ons with sample pricing
- ✅Included non-medical benefits (trip cancellation, lost pet recovery)
- ✅24/7 online portal and pre-approval option
- ✅Travel coverage to continental USA (up to 182 days)
- ❌Pre-existing conditions broadly excluded
- ❌No direct billing option noted by customers
- ❌Dental disease excluded except accidental fractures
- ❌Repetitive preventable incidents limited after three occurrences
- ❌New policies unavailable for older dogs (>10) or cats (>12)
Score- ✅Four plan levels including accident-only and comprehensive
- ✅Age-based deductibles and co-insurance tiers
- ✅Policyholder-selected annual limits for flexibility
- ✅Optional wellness add-ons with sample pricing
- ✅Included non-medical benefits (trip cancellation, lost pet recovery)
- ✅24/7 online portal and pre-approval option
- ✅Travel coverage to continental USA (up to 182 days)
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
The Spot Guarantees
Spot offers four main policy levels: Level 1 is an accident-only plan, while Levels 2, 3 and 4 are accident & illness plans with increasing annual limits chosen at purchase. The primary distinctions across Levels 2–4 are the annual reimbursement limit selected by the policyholder and the availability of optional wellness add-ons for routine care. Optional wellness plans can be added to the accident & illness policies; Level 1 does not offer wellness add-ons.
Deductible and co-insurance are age-based for Levels 2–4 and fixed for Level 1. Level 1 applies a $100 deductible once per policy term and a 20% co-insurance (80% reimbursement). Levels 2–4 use an age-based annual deductible and an age-based co-insurance that increases with the pet’s age (reimbursement rate decreases with age). Waiting periods include immediate coverage for accidents (coverage begins 12:01 AM the day after enrollment) and a 14-day waiting period for illnesses; end-of-life benefits also carry a 14-day waiting period.
Annual limits: Level 1 lists a high annual limit ($20,000 in the sample), while Levels 2–4 allow the policyholder to select an annual limit (examples in the sample include $5,000 or $10,000). Core veterinary-related care for eligible accidents and illnesses (including medical devices, prescription food limits, and accidental dental fracture extractions) is included within the applicable annual limits. Additional non-medical benefits (trip cancellation, lost/stolen pet recovery, emergency boarding, accidental death, and end-of-life expenses) are included in all plans and are not subject to deductible or co-insurance.
The provided Spot documents do not specify a regulated underwriter by name in the sample plan excerpts used here. Special benefits included across plans: alternative therapies (and behavioural therapy for Levels 2–4) up to annual limits, trip cancellation, lost/stolen pet recovery costs, emergency boarding and additional living expenses, accidental death benefit, and limited end-of-life (euthanasia, cremation, burial) coverage. Key strengths: flexible annual limits on Levels 2–4, optional wellness add-ons, and a broad set of member support benefits. Key weaknesses/limits: pre-existing conditions are excluded, certain dental and reproductive treatments are excluded, and policies cannot be started for older pets (dogs >10, cats >12).
| Level 1 (Accident only) | Level 2 (Accident & Illness) | Level 3 (Accident & Illness) | Level 4 (Accident & Illness) | |
|---|---|---|---|---|
| Plan positioning | Entry / accident-only | Balanced accident & illness | Enhanced accident & illness | Premium accident & illness |
| Type of coverage | Accident only | Accident & illness | Accident & illness | Accident & illness |
| Animals covered (dogs, cats, other) | Dogs, cats (other species not specified) | Dogs, cats (other species not specified) | Dogs, cats (other species not specified) | Dogs, cats (other species not specified) |
| Reimbursement rate | 80% (20% co-insurance) | Age-based (see cell) — e.g., under 2: 90%, 2–5: 85%, 5–8: 80%, 8–10: 75%, over 10: 70% | Age-based (same structure as Level 2) | Age-based (same structure as Level 2) |
| Annual reimbursement limit | $20,000 (sample) | Selected by policyholder (examples: $5,000, $10,000) | Selected by policyholder (examples: $5,000, $10,000) | Selected by policyholder (examples: $5,000, $10,000) |
| Deductible (annual or per claim) | $100 (once per policy term) | Age-based annual deductible: under 2: $100; 2–5: $150; 5–8: $200; 8–10: $250; over 10: $300 | Age-based annual deductible (same as Level 2) | Age-based annual deductible (same as Level 2) |
| Age limits for enrollment | New policies cannot be started for dogs >10 or cats >12 | New policies cannot be started for dogs >10 or cats >12 | New policies cannot be started for dogs >10 or cats >12 | New policies cannot be started for dogs >10 or cats >12 |
| Pre-enrollment health questionnaire | Not specified in provided documents | Not specified in provided documents | Not specified in provided documents | Not specified in provided documents |
| Waiting periods (accident and illness) | Accident: coverage begins 12:01 AM day after enrollment; Illness: N/A | Accident: coverage begins 12:01 AM day after enrollment; Illness: 14 days | Accident: coverage begins 12:01 AM day after enrollment; Illness: 14 days | Accident: coverage begins 12:01 AM day after enrollment; Illness: 14 days |
| Lifetime coverage | Not specified | Not specified | Not specified | Not specified |
| Consultations | Covered for eligible accidents (implied by accident coverage) | Covered for eligible conditions (accident & illness) | Covered for eligible conditions (accident & illness) | Covered for eligible conditions (accident & illness) |
| Medications | Prescription food: 50% up to $500 of annual limit; other medications not explicitly detailed in sample | Prescription food: 50% up to $500 of annual limit; other medications not explicitly detailed in sample | Prescription food: 50% up to $500 of annual limit; other medications not explicitly detailed in sample | Prescription food: 50% up to $500 of annual limit; other medications not explicitly detailed in sample |
| Hospitalization | Covered when related to an eligible covered accident | Covered when related to an eligible covered condition | Covered when related to an eligible covered condition | Covered when related to an eligible covered condition |
| Surgery | Covered when related to an eligible covered accident | Covered when related to an eligible covered condition | Covered when related to an eligible covered condition | Covered when related to an eligible covered condition |
| Diagnostic tests | Covered when related to an eligible covered accident | Covered when related to an eligible covered condition | Covered when related to an eligible covered condition | Covered when related to an eligible covered condition |
| Dental care | Extractions for teeth fractured in a covered accident only; dental disease not covered | Extractions for teeth fractured in a covered accident only; dental disease not covered | Extractions for teeth fractured in a covered accident only; dental disease not covered | Extractions for teeth fractured in a covered accident only; dental disease not covered |
| Preventive care | Not available | Optional wellness add-on available | Optional wellness add-on available | Optional wellness add-on available |
| Alternative medicine | Up to $1,000 per policy year for alternative therapy for a covered accident | Up to a combined $1,000 per policy year for alternative & behavioural therapy for covered conditions | Up to a combined $1,000 per policy year for alternative & behavioural therapy for covered conditions | Up to a combined $1,000 per policy year for alternative & behavioural therapy for covered conditions |
| Travel coverage | Emergency coverage details not applicable beyond accident benefits | Coverage within Canada and up to 182 days in continental USA for eligible veterinary treatment; trip cancellation up to $500 per incident | Coverage within Canada and up to 182 days in continental USA for eligible veterinary treatment; trip cancellation up to $500 per incident | Coverage within Canada and up to 182 days in continental USA for eligible veterinary treatment; trip cancellation up to $500 per incident |
| Civil liability | Not specified in provided documents | Not specified in provided documents | Not specified in provided documents | Not specified in provided documents |
| Euthanasia | End-of-life benefit subject to 14-day waiting period; covered up to $200 for euthanasia/cremation/burial when recommended for a covered condition | Same as Level 1 (end-of-life coverage up to $200 subject to 14-day waiting period) | Same as Level 1 (end-of-life coverage up to $200 subject to 14-day waiting period) | Same as Level 1 (end-of-life coverage up to $200 subject to 14-day waiting period) |
| Death & cremation coverage | Accidental death benefit up to $500; end-of-life coverage up to $200 | Accidental death benefit up to $500; end-of-life coverage up to $200 | Accidental death benefit up to $500; end-of-life coverage up to $200 | Accidental death benefit up to $500; end-of-life coverage up to $200 |
| Theft or loss + search expenses | Lost/stolen pet recovery: advertising & reward up to $500 per incident | Lost/stolen pet recovery: advertising & reward up to $500 per incident | Lost/stolen pet recovery: advertising & reward up to $500 per incident | Lost/stolen pet recovery: advertising & reward up to $500 per incident |
| Boarding fees | Emergency boarding: up to $25/day to a max $500 per incident; additional living expenses: up to $25/day to max $500 per incident | Emergency boarding: up to $25/day to a max $500 per incident; additional living expenses: up to $25/day to max $500 per incident | Emergency boarding: up to $25/day to a max $500 per incident; additional living expenses: up to $25/day to max $500 per incident | Emergency boarding: up to $25/day to a max $500 per incident; additional living expenses: up to $25/day to max $500 per incident |
Spot Exclusions
Spot’s exclusions follow common industry standards: pre‑existing and bilateral conditions are excluded, illnesses have a 14‑day waiting period while accidents are covered from the day after enrollment, and recurrent accidents are not covered.
Notable differences include Level 1 being strictly accident‑only and the explicit classification of cruciate ligament injuries, patellar luxation, elbow and hip dysplasia and lameness as illnesses (making them ineligible on Level 1), and dental disease being excluded on Levels 2–4 except for extraction of a tooth fractured in a covered accident.
The policy also enforces a three‑incident rule for preventable repetitive events (coverage for that issue can cease after three similar incidents), excludes reproductive/breeding care, and bars coverage for intentional injury, neglect, or uses such as racing, commercial guarding, or organized fighting.
Operational limits include age restrictions for new policies (no new dogs over 10 or cats over 12), a 180‑day deadline for claim submission, and specific treatment caps such as allowing only one anesthetic removal of an ingested foreign body per policy period.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions (signs, treatment or vet advice before end of waiting period); Bilateral conditions (opposite side treated as pre‑existing); Recurrent accidents not covered. |
| Waiting periods & temporal rules | Accidents: coverage begins 12:01 am day after enrollment; Illnesses: 14‑day waiting period; End‑of‑life benefits: 14‑day waiting period. |
| Plan‑specific exclusions | Level 1 (Accident only): illnesses excluded and certain conditions (cruciate, patellar luxation, elbow/hip dysplasia, lameness) always classed as illnesses; Levels 2–4: illness cover applies but dental disease generally excluded except accident‑related tooth fracture extraction. |
| Dental exclusions | Routine dental disease and procedures excluded (e.g., gingivitis, periodontitis, root canals, scaling/polishing); only extraction for a tooth fractured/damaged due to a covered accident is eligible. |
| Repetitive & behavioural exclusions | After three separate but similar preventable incidents (e.g., foreign‑body ingestions, porcupine quills, fight wounds) coverage for that condition may cease; behavioural therapy is not covered on Level 1 and is limited on other levels per policy limits. |
| Reproductive & age limits | Breeding, pregnancy, whelping and related complications excluded; new policies cannot be started for dogs over 10 years or cats over 12 years. |
| Owner conduct & activity exclusions | Intentional injury, neglect, or failure to follow a veterinarian’s advice excluded; use for racing, commercial guarding, or organized fighting excluded. |
| Administrative & claim limits | Claims submitted more than 180 days after treatment are not covered; more than one anesthetic removal of an ingested foreign body in a single policy period excluded. |
| Geographic & travel limits | Coverage applies in Canada and for up to 182 days while travelling in the continental United States; events outside these limits are not covered. |
| Other exclusions | Experimental or unproven treatments excluded; euthanasia only covered if medically recommended for a covered condition. |
Spot Prices
Spot’s product range positions it across entry‑level to mid‑premium segments: Level 1 serves as an entry‑level accident‑only product while Levels 2–4 are accident & illness plans with selectable annual limits that place the higher levels toward a mid‑ to upper‑market position. The use of age‑based annual deductibles and an age‑graded co‑insurance (“your share” from 10% up to 30%) helps keep base premiums lower for younger pets while shifting more cost to owners as pets age, and the ability for policyholders to choose annual coverage limits (examples shown: $5,000, $10,000 or Level 1’s $20,000 per incident framing) is a key competitive lever that affects premium level and value perception.
Key differentiators supporting Spot’s pricing include modular annual limits, optional wellness add‑ons (two wellness tiers with fixed monthly fees), a digital member portal for 24/7 claims submission and pre‑approvals for large estimates, and travel/boarding/lost‑pet ancillary benefits that are standard across plans; customer feedback highlights fast reimbursements and service responsiveness, which can justify modest price differentials. Compared with more traditional insurers, Spot emphasises a flexible, tiered product design and digital servicing that make it more modular and consumer‑driven, while retaining standard industry exclusions and waiting‑period controls that help manage cost and underwriting risk.
To help you compare estimated monthly prices by profile, compare the monthly estimated prices below.
| Profile of the animal | Accident + Illness Plan | Routine Wellness Plan | Advanced Wellness Plan |
|---|---|---|---|
| Dog Labrador 1 year | $88.15 | $17.00 | $35.00 |
| Dog Labrador 3 years | $88.15 | $17.00 | $35.00 |
| Dog Labrador 7 years | $121.52 | $17.00 | $35.00 |
| Dog Australian Shepherd 1 year | $73.96 | $17.00 | $35.00 |
| Dog Australian Shepherd 3 years | $73.96 | $17.00 | $35.00 |
| Dog Australian Shepherd 7 years | $101.81 | $17.00 | $35.00 |
| Dog French Bulldog 1 year | $133.81 | $17.00 | $35.00 |
| Dog French Bulldog 3 years | $133.81 | $17.00 | $35.00 |
| Dog French Bulldog 7 years | $184.96 | $17.00 | $35.00 |
| Cat European Shorthair 1 year | $43.43 | $17.00 | $35.00 |
| Cat European Shorthair 3 years | $43.43 | $17.00 | $35.00 |
| Cat European Shorthair 7 years | $59.37 | $17.00 | $35.00 |
| Cat Maine Coon 1 year | N.C. | $17.00 | $35.00 |
| Cat Maine Coon 3 years | N.C. | $17.00 | $35.00 |
| Cat Maine Coon 7 years | N.C. | $17.00 | $35.00 |
| Cat British Shorthair 1 year | N.C. | $17.00 | $35.00 |
| Cat British Shorthair 3 years | N.C. | $17.00 | $35.00 |
| Cat British Shorthair 7 years | N.C. | $17.00 | $35.00 |
Spot Promo Codes
| Spot 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.
How much will I be reimbursed with Spot?
With Spot, you pay an annual, age-based deductible first, then the plan pays a percentage of the remaining eligible veterinary costs (co‑insurance varies by age).
- ✅ Example 1: Consultation for allergic dermatitis
- Total vet costs: $250 (consultation + medication)
- Deductible amount to subtract: $150 (annual deductible for a 3‑yr‑old)
- Amount reimbursable after deductible with the Level 4 plan: $250 – $150 = $100
- 85% of that amount reimbursed: $100 × 85% = $85
- Remaining out-of-pocket cost: $250 – $85 = $165
👉 You receive a reimbursement of $85.
ℹ️ *Deductible and co‑insurance are age‑based; in this example a 2–5 yr dog has a $150 deductible and 15% co‑insurance (85% reimbursed).*
- ✅ Example 2: Cruciate ligament repair (TPLO)
- Total vet costs: $7,500 (surgery, implants, hospitalization, diagnostics, rehab)
- Deductible: Deductible already met earlier in the policy year
- Amount reimbursable after deductible with the Level 4 plan: $7,500 – $0 = $7,500
- 85% of that amount reimbursed: $7,500 × 85% = $6,375
- Remaining out-of-pocket cost: $7,500 – $6,375 = $1,125
👉 You receive a reimbursement of $6,375.
ℹ️ *Large procedures should be pre‑approved when possible; annual limits depend on the Level selected (Level 4 typically offers the highest annual limit).*
- ✅ Example 3: Emergency hospitalization for gastric dilation (bloat)
- Total vet costs: $3,800 (emergency surgery, ICU stay, diagnostics, medications)
- Deductible amount to subtract: $150 (annual deductible for a 3‑yr‑old)
- Amount reimbursable after deductible with the Level 4 plan: $3,800 – $150 = $3,650
- 85% of that amount reimbursed: $3,650 × 85% = $3,102.50
- Remaining out-of-pocket cost: $3,800 – $3,102.50 = $697.50
👉 You receive a reimbursement of $3,102.50.
ℹ️ *Some conditions (e.g., cruciate injuries, bloat) are covered as illnesses under the Accident & Illness plans and are subject to the illness waiting period; reimbursement reduces your remaining annual limit.*
Spot Assistance
Spot provides a robust online member portal with 24/7 claim submission and pre‑approval for treatments estimated over $1,000, which is practical for planning high‑cost care.
However, the documentation does not list any advance payment or direct‑billing arrangements, so owners should expect to pay the clinic upfront and request reimbursement.
There is no mention of a dedicated mobile app or a 24/7 clinical teleconsultation service, limiting immediate remote clinical support and mobile‑first claim workflows.
Paperless claims and clear pre‑approval procedures are strengths, but owners who travel should note US treatment is covered only up to 182 days and USD claims are processed 1:1 in CAD, effectively leaving exchange risk to the policyholder.
| Assistance Spot | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No direct‑pay/advance payment program described. Policyholders are expected to pay the veterinarian and submit a claim. |
| Payment facilities | ❌ | No instalment or multi‑payment plan information provided. Details: N.C. |
| Mobile app | ❌ | No dedicated mobile application is mentioned in the plan documents. Details: N.C. |
| Paperless claims process | ✅ | Claims can be submitted 24/7 at members.spotpetinsurance.ca. Portal also allows claim tracking and pre‑approval requests for >$1,000. |
| Emergency vet service | ❌ | No 24/7 emergency veterinary hotline or teleconsultation is documented. Details: N.C. |
| Vet/clinic partner network | ❌ | No partner clinic or direct‑bill network is published in the materials. Details: N.C. |
| Coverage abroad | ✅ | Covers eligible veterinary treatment in Canada and up to 182 days in the continental USA. USD claims are processed 1:1 in CAD; currency conversion is not applied. |
Policyholders are expected to pay the veterinarian and submit a claim.
Details: N.C.
Details: N.C.
Portal also allows claim tracking and pre‑approval requests for >$1,000.
Details: N.C.
Details: N.C.
USD claims are processed 1:1 in CAD; currency conversion is not applied.
Customer reviews on Spot
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.5 out of 5 — 84 reviews |
Notes and reviews by platform
On Trustpilot, customers frequently praise Spot for its responsive and helpful customer service, a claims process that many describe as straightforward, and fast reimbursements that are often received within a few days; policyholders also point to the flexibility of plan levels and the option to add wellness coverage as contributing to perceived value and comprehensive protection. The insurer’s active engagement on the platform — including replies to a high share of negative feedback — is regularly noted as evidence of accessible support and willingness to resolve issues.
At the same time, some policyholders report isolated technical issues with the website and occasional questions about claim approvals, and several reviewers ask for features such as direct billing to veterinarians, easier upload of additional documents to open claims, and clearer visibility of the claims email address; these operational gaps are the main recurring concerns alongside the standard exclusions and time limits (for example, late-claim rules) that prospective buyers should review in their policy documents.
Here are some examples of customer reviews:
- J.R., 14/05/2024 — Very impressed with Spot’s customer service; I submitted a claim through the member portal and got reimbursed within a week. The representative was patient and explained the coverage clearly.
- M.L., 02/08/2024 — Coverage and price are good for what we needed, but the website glitched when I tried to upload extra vet notes. Customer care resolved it after a call, though I would prefer a smoother digital experience.
- S.T., 20/11/2023 — Claims process was mostly straightforward, but I’d like Spot to offer direct billing to the clinic. Having to wait for reimbursement added stress during an already difficult time.
Contact Spot
| Spot 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 Spot’s website to review plans and start an online application. If you need help during the online process, contact customer care for guidance. Online subscription flow details and assisted quote options: N.C. |
| To request and track a reimbursement | Submit claims 24/7 via the member portal or by emailing itemized invoices and medical records to customercare@spotpetinsurance.ca; medicals@spotpetinsurance.ca can be used for additional medical documents. Required documents: completed claim form (portal or downloadable), itemized veterinary invoice, treatment records and proof of payment if requested. Claims submitted more than 180 days after the treatment date are not covered; pre‑approval is recommended for estimated costs over $1,000. Reimbursements are paid to the policyholder; specific payment methods (direct deposit, cheque) and timing: N.C. |
| To obtain a certificate of insurance | Request a certificate via the member portal or by contacting customer care by phone or email; provide your policy number, policyholder name and pet details (name, species, DOB). You can also ask your broker or the website contact form to issue the certificate on your behalf. Typical processing times and electronic delivery options: N.C. |
| To contact assistance | Phone (general, cancellations, policy changes): 1‑888‑501‑7768. Customer care email: customercare@spotpetinsurance.ca. Medical documents/appeals: medicals@spotpetinsurance.ca. Member portal for claims, pre‑approvals and tracking. Postal/mail address for formal correspondence: PTZ Insurance Services, Ltd., 710 Dorval Drive, Suite 400, Oakville, ON L6K 3V7. Service hours and live support availability: N.C. |
| To cancel my policy | To cancel, contact Spot by phone at 1‑888‑501‑7768, via the member portal, or by emailing customercare@spotpetinsurance.ca and include your policy number, policyholder name, pet details and requested cancellation effective date. Ask for written confirmation of cancellation and any applicable refund or prorated premium calculation. Specific notice periods, refund policies and timing for premium returns: N.C. |
Member portal for claims, pre‑approvals and tracking.
Postal/mail address for formal correspondence: PTZ Insurance Services, Ltd., 710 Dorval Drive, Suite 400, Oakville, ON L6K 3V7. Service hours and live support availability: N.C.
FAQ
Do I have to pay upfront for veterinary fees with Spot?
Spot operates on a reimbursement model so you generally pay the clinic at point of service and then submit a claim for reimbursement.
Claims are submitted 24/7 via the members.spotpetinsurance.ca portal, by email, or by mail; many customers report fast reimbursements.
The policy documents do not document a standard third‑party direct‑pay or advance payment system to vets (N.C.), so plan to pay first unless you arrange otherwise.
For planned high‑cost procedures you can request a pre‑approval to confirm coverage and discuss payment options with customer care before treatment.
How do I cancel my pet insurance policy with Spot?
To cancel, contact Spot customer care at 1‑888‑501‑7768 or email customercare@spotpetinsurance.ca and provide your policy number and pet details.
Request the cancellation effective date in writing and ask for a written confirmation or reference number for your records.
If a signed cancellation form or additional ID is required Spot will advise the exact steps when you call or email.
The policy documents do not specify a mandatory notice period or exact refund/proration rules (N.C.), so confirm refund timing with customer care.
What waiting periods apply before coverage begins?
Spot’s accident coverage generally starts at 12:01 AM the day after enrollment for most plans.
Illness coverage carries a 14‑day waiting period from the policy start date before eligible claims can be made.
End‑of‑life benefits like euthanasia/cremation also carry a 14‑day waiting period and some conditions are always defined as illnesses regardless of cause.
Any signs, symptoms or treatment during a waiting period are treated as pre‑existing and excluded.
How much will Spot reimburse and what are the limits and deductibles?
Spot’s your‑share (co‑insurance) and deductible are age‑based; examples show shares from 10% to 30% and deductibles that increase with age.
Reimbursement applies to eligible charges up to your selected annual limit after your co‑insurance and deductible are applied.
Level 1 offers a $20,000 accident limit while Levels 2–4 let you select annual limits (e.g., $5,000 or $10,000) shown on your Summary of Coverage.
Always check your Summary of Coverage for the exact deductible option, co‑insurance percentage and annual limit you purchased.
What are the main exclusions and pre‑existing condition rules?
Pre‑existing conditions — any sign, symptom or treatment before the policy start or during waiting periods — are excluded permanently.
Bilateral conditions are treated as pre‑existing on both sides if one side was present or claimed previously.
Routine preventive care, elective procedures, most dental disease, reproductive care and experimental therapies are excluded unless an optional wellness add‑on applies.
Repetitive incidents from preventable behaviour may be excluded permanently after three similar events.
How do I submit and track a claim, and what assistance services are available?
File and track claims 24/7 via the members.spotpetinsurance.ca portal where you can upload invoices, request pre‑approvals and monitor status.
Pre‑approval is recommended for treatments estimated over $1,000 to confirm coverage before proceeding.
Spot covers eligible treatment in Canada and for up to 182 days while travelling in the continental U.S.; USD claims are processed 1:1 to CAD.
Customer service is reachable at 1‑888‑501‑7768 and customercare@spotpetinsurance.ca; while many customers report quick reimbursement, exact processing times aren’t guaranteed in the policy.
Do I have to pay upfront for veterinary fees with Spot?
Spot operates on a reimbursement model so you generally pay the clinic at point of service and then submit a claim for reimbursement.
Claims are submitted 24/7 via the members.spotpetinsurance.ca portal, by email, or by mail; many customers report fast reimbursements.
The policy documents do not document a standard third‑party direct‑pay or advance payment system to vets (N.C.), so plan to pay first unless you arrange otherwise.
For planned high‑cost procedures you can request a pre‑approval to confirm coverage and discuss payment options with customer care before treatment.
How do I cancel my pet insurance policy with Spot?
To cancel, contact Spot customer care at 1‑888‑501‑7768 or email customercare@spotpetinsurance.ca and provide your policy number and pet details.
Request the cancellation effective date in writing and ask for a written confirmation or reference number for your records.
If a signed cancellation form or additional ID is required Spot will advise the exact steps when you call or email.
The policy documents do not specify a mandatory notice period or exact refund/proration rules (N.C.), so confirm refund timing with customer care.
What waiting periods apply before coverage begins?
Spot’s accident coverage generally starts at 12:01 AM the day after enrollment for most plans.
Illness coverage carries a 14‑day waiting period from the policy start date before eligible claims can be made.
End‑of‑life benefits like euthanasia/cremation also carry a 14‑day waiting period and some conditions are always defined as illnesses regardless of cause.
Any signs, symptoms or treatment during a waiting period are treated as pre‑existing and excluded.
How much will Spot reimburse and what are the limits and deductibles?
Spot’s your‑share (co‑insurance) and deductible are age‑based; examples show shares from 10% to 30% and deductibles that increase with age.
Reimbursement applies to eligible charges up to your selected annual limit after your co‑insurance and deductible are applied.
Level 1 offers a $20,000 accident limit while Levels 2–4 let you select annual limits (e.g., $5,000 or $10,000) shown on your Summary of Coverage.
Always check your Summary of Coverage for the exact deductible option, co‑insurance percentage and annual limit you purchased.
What are the main exclusions and pre‑existing condition rules?
Pre‑existing conditions — any sign, symptom or treatment before the policy start or during waiting periods — are excluded permanently.
Bilateral conditions are treated as pre‑existing on both sides if one side was present or claimed previously.
Routine preventive care, elective procedures, most dental disease, reproductive care and experimental therapies are excluded unless an optional wellness add‑on applies.
Repetitive incidents from preventable behaviour may be excluded permanently after three similar events.
How do I submit and track a claim, and what assistance services are available?
File and track claims 24/7 via the members.spotpetinsurance.ca portal where you can upload invoices, request pre‑approvals and monitor status.
Pre‑approval is recommended for treatments estimated over $1,000 to confirm coverage before proceeding.
Spot covers eligible treatment in Canada and for up to 182 days while travelling in the continental U.S.; USD claims are processed 1:1 to CAD.
Customer service is reachable at 1‑888‑501‑7768 and customercare@spotpetinsurance.ca; while many customers report quick reimbursement, exact processing times aren’t guaranteed in the policy.
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