Safety & Insurance

For eligible claims, Spot offers reimbursement for veterinary expenses up to $15,000 per incident.  
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In order for a claim to be eligible, injuries to a dog must have directly resulted from a walk scheduled through Spot; veterinary expenses must be the direct result of the injury sustained; claims must be made within 7 days of the sustained injury; all veterinary expenses must be incurred in Canada and provided by a licensed veterinarian.
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There is no deductible for eligible claims, and a Spot Claims Representative will work directly with you throughout the claims process.  
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If you already have pet insurance that covers some or all of a claim, you should file a claim under that policy before seeking reimbursement from Spot. In such a case, Spot may be leveraged to meet deductibles or cover costs that fall outside your policy.
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To submit a claim please contact Spot Support by chat, email, or phone, and a Spot Claims Representative will help you.
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What’s not covered?
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Pre-existing conditions, preventable illnesses or injuries, treatment for dental illnesses, rehabilitative therapy, acupuncture, hydrotherapy, chiropractic, behavioural modification and therapy, homeopathy, naturopathy, herbal therapy, prescription food, and supplements.
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Spot may require a complete medical history/records associated with your dog to process any claim. By submitting a claim, you agree to provide to Spot all medical history/records associated with your dog. You authorize Spot to contact any veterinary hospital to obtain all available medical records that exist for your dog. You authorize any veterinary hospital to release to Spot all medical records that exist for your dog. Failure or refusal to disclose a complete medical history for your dog when requested may result in the denial of your claim.
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Reporting a claim that involves false, misleading, and/or dishonest information may be reported to local governmental authorities.

Spot has insurance that provides coverage for your home and property up to $1,000,000 per incident.
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This means if you don’t already have a liability policy, this policy responds first if you need to make a claim. If you already have a liability policy for property, then consider this to be coverage additional to what you have.

What is covered:

Having completed more than 75,000 walks, our team of dog walkers has pretty much seen it all! With all that experience, we know that there’s absolutely no comparison to the one-on-one attention a dog receives during a private, on-leash walk. With that being said, we are constantly striving to ensure that every dog is in safe and capable hands, which is one of the reasons why Spot hires less than 5% of dog walker applicants, and why every Spot dog walker must complete a multi-step screening and onboarding process that includes a 15 question test.
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The walker onboarding process includes an 8-part video tutorial that covers safely entering a home & greeting a dog, leashing a dog & preparing for a walk, and safe on-leash walking. However, Spot walkers are NOT dog trainers, and all have varying levels of experience. Therefore, if you have specific training techniques that you would like reinforced during a walk, it’s recommended that you schedule a meet-and-greet. Spot offers unlimited free meet-and-greets when booking a recurring walk, and $12 meet-and-greets for non-recurring walks. However, there’s no guarantee that specific walkers will be available for specific dates and times once you have met.
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When booking walks using the Spot App, you will be connected to available walkers based on the dates and times requested, at which point you can review their profiles, ratings, & comments, start chatting, and select the walker of your choice. In the rare instance that you are not comfortable with any of the available walkers, you may cancel the booking without penalty.