Ontario SPCA pet insurance: Ontario Residents you’re covered!

All 5 plans explained right here!

Ontario SPCA pet insurance is for Ontario residents only.

They have 5 levels of coverage, from $1000 to unlimited that renews each year.

Their prices are ok, but not super cheap.

Two drawbacks I noticed about Ontario SPCA pet insurance are:
• BOTH the co-payment AND deductible increase as your pet ages. Most other Canada pet insurance companies increase either co-payment OR deductible, NOT both.
• They are for Ontario residents only. So if you end up moving from Ontario, you’ll eventually have to get vet insurance with another company.

One thing that is good is that Ontario SPCA pet insurance is a lifetime insurer, so that your pet is insured for the rest of it’s life.

Below are all the comparison charts for their plans. I have also phoned up the company to answer all the common questions that I couldn’t easily find on their website. These are below the charts.

Please let us know if you end up getting Ontario SPCA pet insurance, and leave a review, It’d be great to pass on your good or bad Reviews to help others.

Below on the charts you will find information that can only be found here or if you phone the company. So, keep reading to find out more. Or, visit OSPCA pet insurance site here.

Snapshot Information Chart for Ontario SPCA pet insurance 
% indicates co-payment amount- click here to understand co-payments

Plan Accidents and Illness Deductible Max age to sign on Lifetime cover Price per month
Intro (0-25%)** $1000/yr $0-300* None yes Dog $26.95-32.35 Cat $19.95
1 (0-25%)** $2500/yr $0-300* None yes Dog $42.05- 53.95 Cat $25.75
2 (0-25%)** $5000/yr $0-300* None yes Dog $59.25- 72.25 Cat $35.50
3 (0-25%)** $10 000 /yr $0-300* None yes Dog $92.75- 103.50 Cat $53.95
Unlimited (0-25%)** unlimited $0-300* None yes Dog $140.35- 172.75 Cat $80.95

* Deductible: Depends on pets age at treatment: $0 for pets less than 2 years, $100 for pets 2-5 yrs, $200 pets 5-10 yrs, $300 pets older than 10.
**Copayment: 0% for pets less than 1 year, 15% for pets 1-5 yrs, 20% pets 5-10 yrs, 25% pets older than 10.

Detailed coverage Chart for Ontario SPCA pet insurance 

Into 1 2 3 unlimited
Vet fees -Accident and Illness $1000/yr $2500/yr $5000/yr $10 000/yr unlimited
Routine Care $500
Hereditary Conditions yes yes yes yes yes
Hip dysplasia yes yes yes yes yes
Death (accidental) and lost/stolen pet adds $1000/yr $1000/yr $1000/yr $1000/yr $1000/yr
Cremation and Euthanasia $100 $200 $300 $400 $500
Boarding $1000/yr $1000/yr $1000/yr $1000/yr $1000/yr
Holiday $1000/yr $1000/yr $1000/yr $1000/yr $1000/yr
Cover Abroad yes yes yes yes yes
Behavioural problems
Prescription meds yes yes yes yes yes
Alternative treatment yes yes yes yes yes
Breeding, Fertility, Pregnancy
Medical devices
Lost/Stolen pet adds See death See death See death See death See death
Third party liability
(dogs only)
Accidental Damage
Grooming and Bathing
Pet food, Nutritional supplements, vitamins, natural remedies yes yes yes yes yes

Vet fees- Illness or Accident
Routine/Preventative care- is only covered for the unlimited plan. It covers vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning (scale and polish), tick and flea meds.
Hereditary conditions- is covered for all plans.
Hip Dysplasia- is covered for all plans.
Death and Lost/stolen pet recovery costs- Will cover replacement price of pet if dies from accident or attempts to find pet of upto $1000 is reimbursed ($0 deductible and 0 co-pay).
Euthanasia and Cremation- from $100-500 is covered ($0 deductible and 0 co-pay).
Boarding If you go to hospital for more than 48hrs, upto $1000 is reimbursed ($0 deductible and 0 co-pay).
Holiday- If have to cancel trip due to sick or dying pet, upto $1000 is reimbursed ($0 deductible and 0 co-pay).
Cover abroad- Travel to the USA only for upto 6 months is included in All plans.
Behavioural problems- are not covered for any plans.
Prescription Meds- is included in All plans.
Dental- not covered for any plan.
Alternative treatment-( acupuncture, massage…)- is included in All plans.
Breeding, Fertility, Pregnancy- not covered for any plan.
Medical devices- not covered for any plan.
Lost/Stolen Pet- Advertising to find pet if lost/stolen/strays- included with accidental death. $1000 can be used toward advertising, as well as Death/loss of pet. ($0 deductible and 0 co-pay).
Third party liability(dogs only) – not covered for any plan.
Accidental Damage- not covered for any plan.
Grooming and Bathing- not covered for any plan.
Pet food, Nutritional supplements, vitamins, natural remedies- prescription diets, holistic stuff- included in all plans if part of care.

Answers to your Questions about Ontario SPCA pet insurance:

Lifetime insurer? 
Yes- pets are covered throughout their life

If you want to better understand Lifetime Pet Insurance, check out this page!

Medical service pet= 10% discount
Microchipped pet= 5% discount.

Discounts cannot be accumulated.

Any vet or specific vets only? After hours vets or in home vets? 
Yes, You can go to any vet.

Can the vet be paid directly? 
Generally speaking, the vet isn’t paid directly, although arrangements can be made if need be.

How quickly are claims processed? 
10-15 days.

Do you cover examination fee? 

All breeds? 

Do I stop getting coverage as my dog ages? 

Does age affect monthly price? 
No, but deductible AND Co-payment go up with pets age.

Do you put the monthly price up every year? By how much? 
No, the monthly price goes up every year only by inflation.

Do they serve all of Canada? 
No, Ontario only

Is the monthly amount more depending on where I live? 

Waiting period? 
You must wait 14 days for illnesses, 24 hrs for accidents before coverage starts.

Do rates increase with more claims/penalized for filing more claims? 

Maximum lifetime claim amount? 
No, the claim amount is yearly, and renews each year so you get a fresh amount of money for illness or accidents.

What is the co-pay? 
The Co-payment changes with the age of the pet: 0% for pets less than 1 year, 15% for pets 1-5 yrs, 20% pets 5-10 yrs, 25% pets older than 10.

To understand co-payment and deducible click here 

Extras included? 
None to note.

Money back guarantee? 
10 days as long as you haven’t made a claim.

What they don’t cover – claims that are directly or indirectly related to:
—Pets under 8 weeks old.
—Pre-existing conditions.
—No coverage for activities that result from: racing, breeding, hunting, law enforcement.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.

If you want to contact Ontario SPCA pet insurance, call 1866-600-2445

Please leave a review with the vet insurance company that you decide to go with, so that you can help others make the right decision. Thank you.

Leave a review for Ontario SPCA Pet Insurance.


Check out other Canadian Pet Insurance Companies:

Cherry blue pet insurance- 3 simple plans- basic, ultimate and in the middle.

PC Insurance- 5 plans all reasonably priced!

Pet care insurance- HUGE assortment of plans to choose from.

Corporation of Pethealth and all their other insurance companies

Purina pet insurance – 3 simple but comprehensive plans so it’s easy to choose.

Trupanion pet insurance- one plan so it’s easy, you just have to pick the perfect deductible for you.

Vet insurance- powered by Trupanion.

Pet Insurance Terminology – all the complicated terminology explained simply and easily

Check out other Pet Insurance Canada Companies

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