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Frequently Asked Questions
Enrolment open all close all
- Who can enrol? [ click here ]
- The Ontario SPCA Pet Insurance Program is available for your cat or dog aged 8 weeks or more.
- When does my coverage begin? [ click here ]
- Coverage for accidents will start the day after we have received your payment and enrolment. For illnesses, there is a 14-day waiting period. This means illness coverage will start on day 15 of your policy.
- My pet is healthy. Why would I need Pet Insurance? [ click here ]
- While your pet is healthy and happy today, there is no way to predict what might happen in the future. With Pet Insurance, you’ll be able to make sure that your pet has access to the best care possible in the event of illness or an accident, without having to make heart-breaking choices based on finances.
- I love my dog but a friend said that his breed suffers from hip dysplasia what should I do? [ click here ]
- Some breeds of dog and cat are more prone to hereditary conditions than others. The best way to protect them is to make sure they’re covered under Pet Insurance. Our programs offer you from $1,000 to unlimited coverage, every year, for conditions such as hip dysplasia.
- My last cat had diabetes. What if my kitten develops a medical condition? [ click here ]
- Once your pet is insured with the Ontario SPCA Pet Insurance Program, any conditions diagnosed1 by your veterinarian are covered. From $1,000 per year up to unlimited coverage, your pet can afford treatment for their condition.
- Who is the Insurance Company? [ click here ]
- The Ontario SPCA Pet Insurance Program is underwritten by Lombard General Insurance Company of Canada.
- Who is the program administrator? [ click here ]
- The Ontario SPCA Pet Insurance Program is administered by PTZ Insurance Brokers Ltd.
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Coverage open all close all
- What is lifelong coverage? [ click here ]
- Lifelong coverage is exactly what it sounds like. Once you have insured your pet with the Ontario SPCA Pet Insurance Program, they're covered for life. If your pet were to develop a condition that required ongoing treatment, they would be covered, year on year, for the rest of your pet’s life. All you need to do is renew your policy each year to maintain your lifelong coverage.
- What is my coverage? [ click here ]
- Your coverage is determined by you. We have five levels of coverage available to you. Each year after you renew, your coverage allowance is replenished to its original level. For example, if you have chosen $5,000 in annual coverage and over the course of a year you spend $3,200 of it, when you renew, your coverage goes back to the $5,000 amount, and it will do that every year upon your renewal.
- What is covered? [ click here ]
- The Ontario SPCA Pet Insurance Program offers coverage for the diagnosis and treatment of all accidents and illness as well as ongoing health and wellness treatments (with Unlimited Coverage option) for your pet*. Using your annual coverage allowance will allow you to maintain ongoing treatment for all medical conditions or emergencies. This coverage is for life – conditions won’t be excluded once you start claiming as long as you renew each year.
- How much coverage will I have? [ click here ]
- Your coverage amount depends on which level you have chosen. We have four levels for you to choose from, from $1,000 in annual coverage to Unlimited. Each one is comprehensive and allows for veterinary treatments and covers ALL accident and illnesses*.
There is no limit per condition, only an annual limit per year, regardless of the number of illnesses or accidents. When your coverage renews, the coverage amount replenished o the level you've chosen, so you have the ability to maintain ongoing treatment for your pet’s medical condition.
- Am I covered for ongoing conditions? [ click here ]
- You are covered for diagnosed, ongoing conditions to the full amount of your annual allowance. When you renew your policy, the allowance replenished and you start the year with the full amount. This will allow you to maintain veterinary treatments for ongoing conditions like diabetes or cancer.
- What is my maximum amount for a medical condition?[ click here ]
- There is no maximum amount you can claim for a medical condition. The only limit is the yearly coverage level you have chosen. For example, if you have chosen a coverage level of $10,000 per year, you have that amount to spend, each and every year, for life.
- What about pre-existing conditions? [ click here ]
- If your pet has a pre-existing medical condition*, we may have to exclude it under the plan you have selected. Exclusions can be either temporary or permanent and are treated on a case by case basis.
- Will my pet have access to alternative therapies?[ click here ]
- Alternative therapies are covered when directed by a veterinarian.
- Is prescription food covered? [ click here ]
- You can claim for prescription food. It is covered for 50%of expenses for a full six months up to the limit of the policy you select.
* Medical conditions that have been noted, symptomatic or pre-existing prior to enrolment are not available for coverage. This advertisement is an outline only,the actual policy issued terms and conditions will prevail.
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Veterinary Care open all close all
- Do I have to use a specific veterinarian or am I free to choose? [ click here ]
- You can use any licensed veterinarian in Canada. They can be part of a clinic, an emergency vet or someone who specializes in alternative therapies, as long as they’re licensed.
- After I’ve enrolled my pet, will they continue to see their usual veterinarian? [ click here ]
- We certainly hope you continue to see your regular veterinarian, but you are free to use any licensed vet in Canada.
- What about checkups? [ click here ]
- In order to ensure your pet's health, we require that you maintain regular checkups and vaccinations as specified by your veterinarian.
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Making a Claim open all close all
- How do I make a claim? [ click here ]
- Fax or mail in a completed claim form filled out by you and your veterinarian along with detailed paid invoices. Click here to download a claim form.
- How much can I claim for? [ click here ]
- You are able to claim for the maximum amount of coverage you have selected, every year.
- How much will I get back from my claim? [ click here ]
- The amount you receive is determined by three things:
- The amount of coverage you have chosen ($2,500/$5,000/$10,000/Unlimited);
- The deductible and co-payment on your coverage; and
- The amount you have already spent in the year on medical treatment for your pet.
Click here to see the different coverage levels.
- What is a deductible? [ click here ]
- The deductible is the amount you must pay toward a claim before your insurance begins to pay. For example, if you have a $500 claim and your policy has a $100 deductible, you will pay $100 and your insurance will pay $400.
- What is Co-Payment? [ click here ]
- We will pay a percentage of each covered claim up to the Maximum Benefit Amount, depending on your level of coverage as stated on Your Document of Insurance. Your share of each covered claim will be the remaining percentage. This is referred to as your Co-payment. Once the claim payable has been determined any applicable Deductibles will then be applied prior to reimbursement. Your Co-payment is applied on each claim based upon the age of Your Pet at the time of claim.
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Payment and Renewal open all close all
- How do I pay my premiums? [ click here ]
- You can pay for your premiums monthly or annually:
- Monthly: using Visa, MasterCard, or direct debit from your bank account; or
- Annually: using Visa, MasterCard, a cheque or a money order.
- How often will I pay? [ click here ]
- You can choose to pay a lump-sum for the entire year's worth of coverage or you can remit your payments on a monthly basis. Please note that there is a $1.50 monthly pay plan fee for monthly remittances.
- How do I renew my Pet Insurance policy? [ click here ]
- Your policy will be automatically renewed provided you maintain your payment schedule. You can cancel your policy at any time.
- I have looked for Pet Insurance before but it’s always so expensive. [ click here ]
- The Ontario SPCA Coverage for Life Pet Insurance Program is designed to be affordable and flexible. To find out how much it costs, click here.
- What if I decide that I don’t have enough coverage for my pet? [ click here ]
- Ontario SPCA policies can be upgraded at the time of your annual policy term coverage renewal date. Just get in touch with us prior to your annual renewal date and we’ll take care of you.
- I have three cats. Can I insure all of them or only one? [ click here ]
- Once you’ve enrolled, you can insure all your pets. Each one will receive its own policy, and will have access to the level of coverage that you have chosen. Depending on how many pets you enrol, you may be eligible for a discount on your premiums.
- What should I do if I need more information? [ click here ]
- We are more than happy to answer any questions you might have about the Ontario SPCA Pet Insurance Program. You can call us at 1-866-600-2445 or click here to speak to one of our representatives online.
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In Support of the OSPCA
When you purchase an Ontario SPCA Pet Insurance Program policy, you not only protect your pet, you also bring a share of health and happiness to an entire network of cats, dogs and other animals within your community.
Thanks to you, we are able to give them shelter, food, and love.
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