Best Pet Insurance in Canada 2017
Keep your pets healthy and protect yourself against the rising costs of pet care. We review the Best Pet Insurance providers in Canada.
In Canada, pet insurance assists in the coverage of pet-related medical costs. Regardless of the policy, insurance plans should include coverage over accidents, illnesses, diagnostic tests, hospitalization, emergency care, prescriptions, and surgery. Many plans also offer general wellness coverage for routine care as an additional option, for procedures such as checkups and vaccinations.
Pet insurance works in much the same manner as it does for people, with a monthly fee for coverage. In the event of an emergency, the insurance company reimburses the cost of the veterinary care, after the deductible. However, every company has a different cost structure in terms of payments, deductibles, co-payments, and possible lifetime caps, so it’s essential to conduct thorough research when comparing companies.
When choosing a pet insurance provider, it is always best to research each company’s specific coverage, including its limits, exclusions, waiting periods, and stipulations. Certain carriers may impose a limit on benefit reimbursements, which can either be yearly, or within the full length of the insured pet’s lifespan. Coverage may also vary based on the pet’s age and breed.
Try and take out an insurance plan for your pet as soon as you can. As they age, there is an ever-increasing risk of chronic illness or a genetic disease manifesting itself. If these should occur before the the policy’s start date, they’d be excluded from coverage. That said, however, any condition documented following the policy's start date, should be covered under the plan’s terms.
Top 5 Companies
- Most Comprehensive Coverage (includes vet exam fee!)
- Flexible annual reimbursement up to UNLIMITED
- Choose Annual Deductible from $100-$1,000
- No additional fees (riders) for alternative therapies
- Use any veterinarian in Canada or the US.
- 24/7 Customer Service - Fast Claim Reimbursement
- 10% Online Discount & Free Barkbox Offer
- Unlimited payouts and no caps on coverage
- Can pay the vet directly - up to 90% coverage!
- Award winning customer service
- Per-condition deductible (good for chronic conditions)
- Fast payouts and no penalties for filing claims
- Wellness care
- Age-based annual deductible
- Up to $15,000 in maximum benefits per year
- Standard $100 deductible for accident only plan holders
- Alternative treatment coverage
- $1,000 in medical devices
- Up to 80% cover for treatments and care
- Preventive care
- Alternative therapy
- Medical device
- No benefit limits for Secure 4 plans
- Starts at $9.95 per month (cats), $10.95 per month (dogs)
- Up to 80% cover
- Age-based deductibles
- No pet age limits
- Free additional benefits
Best Pet Insurance in Canada: Summed Up
|1||Petplan Canada||Best Overall|
|2||Trupanion Canada||Benefit Limits|
|3||Pets Plus Us||Benefit Limits|
|4||Petsecure Canada||Customer Service|