Toronto humane society Pet Insurance 2025: A Canadian Review
Our expert's opinion on Toronto humane society
The Toronto Humane Society Pet Health Insurance program, underwritten by Petline Insurance Company (administered under the Petsecure name), offers four tiered plans named Secure 1 through Secure 4 that bundle accident, illness, dental and a range of therapies with some customer benefits such as boarding reimbursement, lost pet advertising and cremation/burial costs.
Available plans include Secure 1–4 with standard reimbursement starting at 80% co-insurance applied before the annual deductible (co-insurance may be increased to 30–50% based on claims history); deductibles are annual, age-banded with A/B options, accident limits are calculated per incident (non-renewing) while illness and many other benefits renew annually, and only Secure 4 includes preventive care — specific dollar limits are in a separate Schedule of Maximum Amounts not provided in the report; compared with larger national competitors, Toronto Humane Society’s offering is a straightforward, tiered mid‑market product with competitive sample premiums but narrower transparency on caps and stricter pre‑existing rules.
Best suited for owners who want tiered coverage options for young to middle‑aged pets and who value bundled non‑medical benefits rather than maximum benefit caps.
The policy is underwritten by Petline (Petsecure); no revenue or premium volume was provided in the report, and customer feedback cited paper-based claims handling with reports of slow processing times (claims sometimes taking up to four months) and frequent pre‑existing condition disputes.
- ✅Four clear tiered plans
- ✅Covers accidents, illnesses, dental, alternative therapies
- ✅Standard 80% reimbursement starting point
- ✅Customer benefits (boarding, lost pet, cremation)
- ✅Preventive care available on Secure 4
- ✅Online customer portal and pre-authorization option
- ✅Age-banded deductible choices
- ❌Specific monetary caps not published in provided schedule
- ❌Strict pre-existing and bilateral condition exclusions
- ❌Accident limits per incident do not renew annually
- ❌Co-insurance can rise to 50% based on claims
- ❌Reported slow claims handling and denial frequency
Score- ✅Four clear tiered plans
- ✅Covers accidents, illnesses, dental, alternative therapies
- ✅Standard 80% reimbursement starting point
- ✅Customer benefits (boarding, lost pet, cremation)
- ✅Preventive care available on Secure 4
- ✅Online customer portal and pre-authorization option
- ✅Age-banded deductible choices
Our expert's opinion on Toronto humane society
- ✅Four clear tiered plans
- ✅Covers accidents, illnesses, dental, alternative therapies
- ✅Standard 80% reimbursement starting point
- ✅Customer benefits (boarding, lost pet, cremation)
- ✅Preventive care available on Secure 4
- ✅Online customer portal and pre-authorization option
- ✅Age-banded deductible choices
- ❌Specific monetary caps not published in provided schedule
- ❌Strict pre-existing and bilateral condition exclusions
- ❌Accident limits per incident do not renew annually
- ❌Co-insurance can rise to 50% based on claims
- ❌Reported slow claims handling and denial frequency
Score- ✅Four clear tiered plans
- ✅Covers accidents, illnesses, dental, alternative therapies
- ✅Standard 80% reimbursement starting point
- ✅Customer benefits (boarding, lost pet, cremation)
- ✅Preventive care available on Secure 4
- ✅Online customer portal and pre-authorization option
- ✅Age-banded deductible choices
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The Guarantees of the Toronto humane society
The Toronto humane society pet health insurance program is offered under four plans (Secure 1, Secure 2, Secure 3, Secure 4) and is administered underwritten by Petline Insurance Company (operating under the Petsecure framework). All four plans reimburse veterinary services for accidents and illnesses and include coverage for dental treatment and a range of therapies; specific monetary limits for each benefit are referenced in a separate "Schedule of Maximum Amounts" that was not provided.
The program applies a standard reimbursement logic where a co-insurance percentage is applied first (standard 20% owner share, i.e., 80% reimbursed), then an annual deductible is applied; the co-insurance may be increased to 30%, 40% or 50% based on claims activity.
Deductibles are annual and age-based with two deductible options (A and B), and deductible amounts increase automatically as the pet ages.
Waiting periods include 48 hours for accidents, 14 days for illnesses and behavioural conditions, and 6 months for dental, cruciate ligament and intervertebral disc conditions. Several customer benefits (boarding fees during owner hospitalization, holiday cancellation reimbursement, lost-pet advertising and reward reimbursement, cremation/burial expense coverage) are included across plans and are paid up to the Maximum Payable amounts shown in the missing Schedule of Maximum Amounts.
Strengths of the program, as evident from the policy documents, include: clear inclusion of dental and alternative/behavioural therapies within plan limits, explicit additional benefits (boarding, trip cancellation, lost-pet support, cremation/burial), and an established underwriting relationship (Petline/Petsecure) that provides a consistent policy framework. Main weaknesses and limitations shown in the documentation are: the absence of published dollar limits in the provided schedule (reducing transparency in this source), the possibility of increased co-insurance based on claims history, automatic age-related deductible increases, and limited preventive coverage (preventive care is only included on Secure 4).
| Secure 1 | Secure 2 | Secure 3 | Secure 4 | |
|---|---|---|---|---|
| Plan positioning (based on features/pricing) | Entry-level / basic accident & illness plan | Mid-level / balanced plan | Enhanced accident & illness plan | Premium plan (includes preventive care) |
| Type of coverage (accident, illness, both, etc.) | Accident & illness | Accident & illness | Accident & illness | Accident & illness (includes preventive care benefit) |
| Animals covered (dogs, cats, other) | Dogs and cats (sample pricing provided for both) | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate | Standard 80% (20% co-insurance). Co-insurance may be increased to 30%, 40% or 50% based on claims history. | Standard 80% (20% co-insurance). Subject to adjustment. | Standard 80% (20% co-insurance). Subject to adjustment. | Standard 80% (20% co-insurance). Subject to adjustment. |
| Annual reimbursement limit | Not specified in provided documents (see Schedule of Maximum Amounts) | Not specified (see Schedule of Maximum Amounts) | Not specified (see Schedule of Maximum Amounts) | Not specified (see Schedule of Maximum Amounts) |
| Deductible (annual or per claim) | Annual, age-based; two options (A / B); increases with pet age | Annual, age-based; two options; increases with age | Annual, age-based; two options; increases with age | Annual, age-based; Secure 4 has its own deductible schedule; increases with age |
| Age limits for enrollment | Not specified in provided extracts | Not specified | Not specified | Not specified |
| Pre-enrollment health questionnaire | Medical history and prior veterinary records are reviewed; lack of a recent comprehensive exam may result in exclusions | Same | Same | Same |
| Waiting periods (accident and illness) | Accident: 48 hours; Illness/Behavioural: 14 days; Dental/Cruciate/IVDD: 6 months | Accident: 48 hours; Illness/Behavioural: 14 days; Dental/Cruciate/IVDD: 6 months | Accident: 48 hours; Illness/Behavioural: 14 days; Dental/Cruciate/IVDD: 6 months | Preventive care: none; Accident: 48 hours; Illness/Behavioural: 14 days; Dental/Cruciate/IVDD: 6 months |
| Lifetime coverage | Not specified in provided documents | Not specified | Not specified | Not specified |
| Consultations | Covered when related to an eligible accident or illness (subject to limits, co-insurance and deductible) | Covered (subject to limits) | Covered (subject to limits) | Covered (subject to limits) |
| Medications | Covered when prescribed for a covered condition (subject to DIN/NHP requirements and limits) | Covered (subject to limits) | Covered (subject to limits) | Covered (subject to limits) |
| Hospitalization | Covered for eligible accidents and illnesses (subject to limits) | Covered | Covered | Covered |
| Surgery | Covered for eligible accidents and illnesses (subject to limits) | Covered | Covered | Covered |
| Diagnostic tests | Covered when related to covered accident/illness (subject to limits) | Covered | Covered | Covered |
| Dental care | Covered for accidents and illnesses (annual limits not specified) | Covered | Covered | Covered |
| Preventive care | Not covered (Secure 4 includes preventive care up to an annual limit) | Not covered | Not covered | Covered (up to an annual limit; amount not specified) |
| Alternative medicine | Included within an annual limit that renews (amounts not specified) | Included within an annual limit | Included within an annual limit | Included within an annual limit |
| Travel coverage | Holiday/trip cancellation reimbursement for non-recoverable costs if pet requires life-saving treatment (limits not specified) | Same | Same | Same |
| Civil liability (third-party) | Not specified in provided extracts | Not specified | Not specified | Not specified |
| Euthanasia | Euthanasia costs are covered when medically recommended for an insured condition (processed under Veterinary Services) | Same | Same | Same |
| Death & cremation coverage | Cremation or burial expenses reimbursed (including one keepsake urn) up to the Maximum Payable amount | Same | Same | Same |
| Theft or loss + search expenses | Lost pet advertising and reward reimbursed (prior approval required; limits not specified) | Same | Same | Same |
| Boarding fees | Boarding kennel & cattery fees reimbursed up to $25 per day if owner hospitalized at least two days (limits per policy) | Same | Same | Same |
Toronto humane society exclusions
Toronto humane society’s pet policies apply standard medical exclusions: pre‑existing and foreseeable conditions, bilateral rules (if one side was pre‑existing the other is treated as such), and any condition evident before the policy start date or during applicable waiting periods.
An incomplete medical history (no comprehensive veterinary exam within the 12 months before policy start) can lead to exclusions for conditions first noted at the initial post‑enrolment exam — a notable underwriting requirement compared with many competitors.
Routine preventive, elective and reproductive care (vaccinations, parasite prevention, spay/neuter) are excluded, although Secure 4 explicitly provides preventive benefits; prescription/therapeutic diets are also excluded and medications without a valid D.I.N. or N.H.P. number are not covered.
Other operational exclusions include intentional injury or neglect, use for competitive/professional/commercial purposes without approval, limits on transportation/house‑call fees, and conditions resulting from war, nuclear incidents or natural disasters.
| Exclusions | Details |
|---|---|
| Medical exclusions | Treatments not directly related to an insured accident or illness; conditions evident before policy start or during waiting periods; elective procedures excluded (except preventive on Secure 4) |
| Pre‑existing & bilateral conditions | Pre‑existing conditions and foreseeable conditions; bilateral rule (if one side pre‑existing, opposite side excluded) |
| Preventive & elective | Routine wellness, vaccinations, parasite control, grooming, elective/cosmetic procedures excluded (Secure 4 provides preventive benefit — see Schedule of Maximum Amounts) |
| Dental exclusions | Routine dental prophylaxis and routine dental disease care excluded where specified; dental covered only as defined under policy limits for insured dental problems |
| Pharmaceutical & product exclusions | Prescription/therapeutic diets excluded; medications without a valid D.I.N. or N.H.P. excluded |
| Reproductive & congenital | Pregnancy, whelping/queening, spaying/neutering and related complications excluded; congenital conditions evident before policy start excluded |
| Behavioural & training | Obedience/training classes and correctional devices excluded; behavioural therapy limitations apply as per policy |
| Administrative & operational | Transportation or house‑call fees beyond regular exam fees excluded; administrative fees as defined in policy |
| Owner conduct & use exclusions | Intentional injury, neglect, failure to follow veterinary advice excluded; use for competitive, professional or commercial purposes without pre‑approval excluded |
| External events & catastrophes | Conditions caused by war, nuclear incidents, or natural disasters excluded |
| Incomplete medical history | If no comprehensive vet exam in prior 12 months, conditions noted at first exam during policy period may be excluded |
| Geographic exclusions | N.C. (Not Communicated) |
Prices at the Toronto humane society
Toronto humane society’s pricing sits on a spectrum from entry‑level to premium depending on the chosen Secure plan: Secure 1 and Secure 2 function as more affordable, mid‑market options, while Secure 3 and especially Secure 4 position the product toward higher value and premium tiers as reflected in the sample premiums.
Competitiveness is shaped by the standard 80% reimbursement (20% co‑insurance) that is applied before the annual deductible, age‑based deductible increases, and plan‑specific annual limits (the exact maximums are set out in the Schedule of Maximum Amounts and were not provided); the co‑insurance may also be increased up to 50% after claims reviews, which can materially change out‑of‑pocket costs for policyholders.
Key differentiators include the suite of customer benefits that incur no co‑insurance or deductible (boarding kennel/cattery fees, holiday cancellation, lost pet advertising, cremation/burial), an online customer portal and pre‑authorization process that streamline administration, and clear age‑based deductible structures; these service and benefit features help justify higher premiums on top plans when compared with more traditional providers that may offer simpler coverage but fewer added services.
Sample monthly premiums in the documentation show a wide range across plans for the same profiles (e.g., Labrador: $56.38 to $242.20; French Bulldog: $56.94 to $278.53), illustrating how plan choice, deductible option and co‑insurance adjustments directly affect price and value without implying a recommendation.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Dog Labrador 1 year | $56.38 | $79.98 | $133.63 | $242.20 |
| Dog Labrador 3 years | $56.38 | $79.98 | $133.63 | $242.20 |
| Dog Labrador 7 years | $56.38 | $79.98 | $133.63 | $242.20 |
| Dog Australian Shepherd 1 year | $42.58 | $60.41 | $100.97 | $184.74 |
| Dog Australian Shepherd 3 years | $42.58 | $60.41 | $100.97 | $184.74 |
| Dog Australian Shepherd 7 years | $42.58 | $60.41 | $100.97 | $184.74 |
| Dog French Bulldog 1 year | $56.94 | $84.77 | $142.99 | $278.53 |
| Dog French Bulldog 3 years | $56.94 | $84.77 | $142.99 | $278.53 |
| Dog French Bulldog 7 years | $56.94 | $84.77 | $142.99 | $278.53 |
| Cat European Shorthair 1 year | $32.95 | $47.48 | $77.74 | $148.21 |
| Cat European Shorthair 3 years | $32.95 | $47.48 | $77.74 | $148.21 |
| Cat European Shorthair 7 years | $32.95 | $47.48 | $77.74 | $148.21 |
| Cat Maine Coon 1 year | $32.95 | $47.48 | $77.74 | $148.21 |
| Cat Maine Coon 3 years | $32.95 | $47.48 | $77.74 | $148.21 |
| Cat Maine Coon 7 years | $32.95 | $47.48 | $77.74 | $148.21 |
| Cat British Shorthair 1 year | $32.95 | $47.48 | $77.74 | $148.21 |
| Cat British Shorthair 3 years | $32.95 | $47.48 | $77.74 | $148.21 |
| Cat British Shorthair 7 years | $32.95 | $47.48 | $77.74 | $148.21 |
Toronto Humane Society Promo Codes
| Toronto humane society Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
How much will I be reimbursed by Toronto humane society?
Toronto humane society reimburses eligible vet bills by applying the plan’s co‑insurance (typically 80% paid by the insurer / 20% your share) first, then subtracting the annual deductible; the examples below use the Secure 4 plan and a common deductible Option A for a dog up to 5 years ($250).
✅ Example 1: Annual vaccinations and wellness check (preventive care)
Total vet costs: $220 (exam + core vaccines + fecal test)
Deductible: already met earlier in the year
Amount reimbursable after co‑insurance with the Secure 4 plan: $220 × 80% = $176
Reimbursed amount after deductible: $176 – $0 = $176
Remaining out-of-pocket cost: $44
👉 You receive a reimbursement of $176.
ℹ️ *Preventive care is covered under Secure 4 up to the plan’s annual limit; if the deductible has not yet been met, small preventive claims may be absorbed by the deductible.*
✅ Example 2: Cruciate ligament repair (TPLO surgery)
Total vet costs: $8,000 (surgery, implants, hospitalization, diagnostics, meds, rehab)
Deductible amount to subtract: $250 (Secure 4, Option A for a dog up to 5 years)
Amount reimbursable after co‑insurance with the Secure 4 plan: $8,000 × 80% = $6,400
Reimbursed amount after deductible: $6,400 – $250 = $6,150
Remaining out-of-pocket cost: $1,850
👉 You receive a reimbursement of $6,150.
ℹ️ *Because co‑insurance is applied before the annual deductible, high-cost procedures are substantially reimbursed; large claims may reduce your remaining annual illness limit.*
✅ Example 3: Emergency hospitalization for gastric dilation (bloat)
Total vet costs: $3,500 (emergency stabilization, surgery, ICU, diagnostics, meds)
Deductible amount to subtract: $250 (Secure 4, Option A for a dog up to 5 years)
Amount reimbursable after co‑insurance with the Secure 4 plan: $3,500 × 80% = $2,800
Reimbursed amount after deductible: $2,800 – $250 = $2,550
Remaining out-of-pocket cost: $950
👉 You receive a reimbursement of $2,550.
ℹ️ *Some conditions (e.g., bloat, cruciate injuries) are always treated as illnesses under the policy and are subject to illness waiting periods and the annual illness limit specified on your policy.*
Assistance from the Toronto humane society
Toronto humane society offers an online customer portal and the ability to request pre‑authorization for planned treatments, which helps owners confirm coverage before proceeding with care.
The program includes owner assistance benefits (boarding during hospitalization, lost pet advertising, cremation/burial) that can be helpful in non‑medical emergencies, though maximum payable amounts are not listed in the provided schedule.
The documentation does not describe any direct‑pay/advance payment schemes, a 24/7 veterinary hotline, teleconsultation, or a dedicated mobile app, creating potential gaps for urgent financial or clinical support.
Claims can be started via the customer portal and by traditional channels (phone, fax, email), but customer feedback points to slow, sometimes paper‑based processing in practice.
Prospective policyholders should confirm direct‑billing options with their clinic and review the Schedule of Maximum Amounts to understand exact sublimits before relying on these assistance features.
| Assistance Toronto humane society | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment or direct‑pay program is described. Policyholders are expected to pay the veterinarian and submit a claim. |
| Payment facilities | ❌ | No instalment or fee‑free payment plans are documented. Details: N.C. |
| Mobile app | ❌ | No dedicated mobile app is mentioned in the policy materials. Details: N.C. |
| Paperless claims process | ✅ | Online Customer Portal available to access claim forms and request pre‑authorization. E‑claims submission/process timing: N.C. |
| Emergency vet service | ❌ | No 24/7 emergency hotline or teleconsultation service is described. Details: N.C. |
| Vet/clinic partner network | ❌ | No published partner clinic network or direct‑pay clinic list. Details: N.C. |
| Coverage abroad | ❌ | International coverage is not described in the provided documents. Details: N.C. |
Policyholders are expected to pay the veterinarian and submit a claim.
Details: N.C.
Details: N.C.
E‑claims submission/process timing: N.C.
Details: N.C.
Details: N.C.
Details: N.C.
Customer reviews on the Toronto humane society
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 2.0 / 5 — 13 reviews |
The review synthesis contains little in the way of positive feedback and does not identify consistent strengths cited by policyholders, and reviewers did not highlight reliable service or particularly smooth claim experiences for Toronto humane society’s program.
Most commentary clustered around four clear problems: frequent claim denials attributed to conditions labelled as pre-existing, persistent difficulties and delays when attempting to cancel coverage with reports of continued billing and collection threats, perceived reductions or low caps in coverage for long‑term policyholders or older pets, and a slow, paperwork‑heavy claims process that reviewers say can take months and is frequently described as inefficient.
Contact the Toronto humane society
| Toronto humane society 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 the Toronto Humane Society pet insurance site: www.thspetinsurance.ca. Online subscription channels for new customers or direct online quote flow: N.C. |
| To request and track a reimbursement | Submit claims and supporting documents through the online Customer Portal (claim forms available). Claims can also be sent by email to claims@petlineinsurance.com, by fax to 1‑866‑501‑5580, or by postal mail to the claims address below. Required documents: completed claim form, itemized veterinary invoice and relevant medical records. Claim submission deadlines and the reimbursement payment method (e.g., direct deposit, cheque): N.C. |
| To obtain a certificate of insurance | Request a certificate via the online Customer Portal or by contacting customer service using the toll‑free number. Alternatively, contact the insurer by email at claims@petlineinsurance.com for guidance. Specific documentation, required fields (policy number, pet details) and typical processing times: N.C. |
| To contact assistance | Toll‑free phone: 1‑844‑947‑7387. Website: www.thspetinsurance.ca. Claims email: claims@petlineinsurance.com. Claims fax: 1‑866‑501‑5580. Mailing address: Toronto Humane Society Pet Health Insurance, 301‑600 Empress Street, Winnipeg, MB R3G 0R5. Online Customer Portal available for forms, pre‑authorization requests and claim tracking. Service hours: N.C. |
| To cancel my policy | To cancel, contact Toronto Humane Society customer service by toll‑free phone or through the online Customer Portal or by email. Exact cancellation procedure, required information to process the request, notice periods and refund/proration conditions: N.C. |
Visit the Toronto Humane Society pet insurance site: www.thspetinsurance.ca.
Online subscription channels for new customers or direct online quote flow: N.C.
Claims can also be sent by email to claims@petlineinsurance.com, by fax to 1‑866‑501‑5580, or by postal mail to the claims address below.
Required documents: completed claim form, itemized veterinary invoice and relevant medical records.
Claim submission deadlines and the reimbursement payment method (e.g., direct deposit, cheque): N.C.
Alternatively, contact the insurer by email at claims@petlineinsurance.com for guidance.
Specific documentation, required fields (policy number, pet details) and typical processing times: N.C.
Claims fax: 1‑866‑501‑5580. Mailing address: Toronto Humane Society Pet Health Insurance, 301‑600 Empress Street, Winnipeg, MB R3G 0R5.
Online Customer Portal available for forms, pre‑authorization requests and claim tracking. Service hours: N.C.
Exact cancellation procedure, required information to process the request, notice periods and refund/proration conditions: N.C.
FAQ
Do I have to pay upfront for veterinary fees with Toronto humane society?
Toronto humane society operates on a reimbursement model: you normally pay the veterinarian at the time of service and then submit a claim for reimbursement. Claims can be sent by email to claims@petlineinsurance.com, by fax to 1‑866‑501‑5580, or by mail to the claims address in your policy; an online Customer Portal is also referenced for forms. The provided documents do not confirm a general direct‑pay/third‑party payment system to vets (N.C.), so expect to pay first unless pre‑arranged. For planned high‑cost procedures contact customer service for pre‑authorization to confirm coverage before treatment.
How do I cancel my pet insurance policy with Toronto humane society?
To cancel, contact Toronto humane society customer service by phone at 1‑844‑947‑7387, via the website (www.thspetinsurance.ca), or submit a written request to the claims mailing address. Include your policy number, policyholder name, pet details and the requested cancellation effective date; provide a signed written request if asked. Ask for written confirmation of the cancellation and keep that record for your files. Specific notice periods, prorated refund calculations and timing for premium returns are not communicated in the documents (N.C.).
What waiting periods apply before coverage begins?
Waiting periods are 48 hours for accidents and 14 days for illnesses and behavioural conditions from the policy start date. Dental issues and certain orthopedic conditions (cruciate ligament, IVDD, etc.) carry a six‑month waiting period. Secure 4’s preventive care benefit is shown as having no waiting period. Any signs, symptoms or treatment occurring during the applicable waiting period are excluded from coverage.
How much will Toronto humane society reimburse and how do deductibles work?
The standard reimbursement rate is 80% (you pay 20% co‑insurance), and co‑insurance may be increased to 30%, 40% or 50% based on claims activity. Co‑insurance is applied first to eligible charges, then the annual deductible (age‑based) is subtracted, per the policy calculation order. Deductible amounts increase as the pet ages and are outlined in the policy’s deductible table. Exact annual and per‑benefit monetary limits are contained in the Schedule of Maximum Amounts, which was not provided (N.C.).
What is excluded or considered pre‑existing under the policy?
Any condition showing clinical signs, treatment, or veterinary advice before the policy start date or during waiting periods is treated as pre‑existing and excluded. Bilateral conditions are excluded on the opposite side if one side was pre‑existing. Routine preventive care, many dental procedures, spay/neuter, pregnancy‑related care, and medications lacking a DIN/NHP are listed as exclusions. Review the full exclusions section in your policy before enrolling to understand all limitations.
How do I submit, track a claim and get assistance while my claim is processed?
Submit claims and supporting itemized invoices and medical records via the claims email claims@petlineinsurance.com, by fax to 1‑866‑501‑5580, or by mail to the listed claims address; the policy references an online Customer Portal for forms. Pre‑authorization for planned treatments can be requested to confirm coverage in advance. For general help call 1‑844‑947‑7387 or use the website contact channels; average claim processing times are not specified in the documents (N.C.). Keep original invoices and complete medical records to avoid delays and retain copies of all communications.
Do I have to pay upfront for veterinary fees with Toronto humane society?
Toronto humane society operates on a reimbursement model: you normally pay the veterinarian at the time of service and then submit a claim for reimbursement. Claims can be sent by email to claims@petlineinsurance.com, by fax to 1‑866‑501‑5580, or by mail to the claims address in your policy; an online Customer Portal is also referenced for forms. The provided documents do not confirm a general direct‑pay/third‑party payment system to vets (N.C.), so expect to pay first unless pre‑arranged. For planned high‑cost procedures contact customer service for pre‑authorization to confirm coverage before treatment.
How do I cancel my pet insurance policy with Toronto humane society?
To cancel, contact Toronto humane society customer service by phone at 1‑844‑947‑7387, via the website (www.thspetinsurance.ca), or submit a written request to the claims mailing address. Include your policy number, policyholder name, pet details and the requested cancellation effective date; provide a signed written request if asked. Ask for written confirmation of the cancellation and keep that record for your files. Specific notice periods, prorated refund calculations and timing for premium returns are not communicated in the documents (N.C.).
What waiting periods apply before coverage begins?
Waiting periods are 48 hours for accidents and 14 days for illnesses and behavioural conditions from the policy start date. Dental issues and certain orthopedic conditions (cruciate ligament, IVDD, etc.) carry a six‑month waiting period. Secure 4’s preventive care benefit is shown as having no waiting period. Any signs, symptoms or treatment occurring during the applicable waiting period are excluded from coverage.
How much will Toronto humane society reimburse and how do deductibles work?
The standard reimbursement rate is 80% (you pay 20% co‑insurance), and co‑insurance may be increased to 30%, 40% or 50% based on claims activity. Co‑insurance is applied first to eligible charges, then the annual deductible (age‑based) is subtracted, per the policy calculation order. Deductible amounts increase as the pet ages and are outlined in the policy’s deductible table. Exact annual and per‑benefit monetary limits are contained in the Schedule of Maximum Amounts, which was not provided (N.C.).
What is excluded or considered pre‑existing under the policy?
Any condition showing clinical signs, treatment, or veterinary advice before the policy start date or during waiting periods is treated as pre‑existing and excluded. Bilateral conditions are excluded on the opposite side if one side was pre‑existing. Routine preventive care, many dental procedures, spay/neuter, pregnancy‑related care, and medications lacking a DIN/NHP are listed as exclusions. Review the full exclusions section in your policy before enrolling to understand all limitations.
How do I submit, track a claim and get assistance while my claim is processed?
Submit claims and supporting itemized invoices and medical records via the claims email claims@petlineinsurance.com, by fax to 1‑866‑501‑5580, or by mail to the listed claims address; the policy references an online Customer Portal for forms. Pre‑authorization for planned treatments can be requested to confirm coverage in advance. For general help call 1‑844‑947‑7387 or use the website contact channels; average claim processing times are not specified in the documents (N.C.). Keep original invoices and complete medical records to avoid delays and retain copies of all communications.
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