When it comes to our pets, we always want the best for them. Pet health insurance can be a confusing topic, but don’t worry! We’ve compiled a list of the 10 most frequently asked questions about pet insurance in Canada to help you navigate this important aspect of pet ownership.
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What is pet insurance and how does it work?
Pet health insurance is like a safety net for your pet’s health. You pay a monthly premium, and in return, your insurance helps cover vet bills for accidents, illnesses, and more. When your pet needs veterinary care, you pay your vet clinic upfront and submit a claim for reimbursement.
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Is pet health insurance worth it?
Absolutely! Pet insurance helps you avoid unexpected financial stress when your pet faces an emergency or illness. It ensures you won’t have to choose between your pet’s health and your budget. Plus, some plans, like Secure 4 from Petsecure, cover preventative care, such as annual vaccinations, heartworm testing and prevention and routine bloodwork!
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What types of pet coverage are available?
Each pet health insurance company offers a variety of coverage plans. At Petsecure, our four plans are comprehensive. They covering accidents, illnesses, and many other things. Our plans provide coverage that fit the needs of various pets and various budgets. Whether you have a playful puppy or a senior cat, there’s a plan that will work.
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Are there age limits for pet insurance?
Most pet insurance companies in Canada cover pets of all ages, but premiums often increase as your pet gets older. However, Petsecure is different... our premiums do not increase based on your pet’s age! That means you can enjoy predictable pricing as your pet grows. It’s a smart idea to enroll your pet early, while they’re still young and healthy, to avoid pre-existing conditions and ensure long-term coverage.
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Does pet insurance cover pre-existing conditions?
Most companies won’t cover pre-existing conditions (health-related issues your pet had prior to buying pet insurance). If your pet has an ongoing issue, it’s a good idea to get insurance before it becomes a bigger problem.
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How much does pet insurance cost?
Pet insurance premiums can vary widely based on factions like your pet’s age, breed, and location. You might pay anywhere between $20-$100 a month for a cat or dog. It’s an investment, so you can feel confident in both your pet’s health and your finances. But, make sure to compare plans to find the best fit!
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Can I use any vet with pet insurance?
Most pet insurance plans allow you to choose any licensed veterinarian, giving you the freedom to find a provider you trust. At Petsecure, we accept claims from any licensed vet in Canada or the US!
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What is a deductible and how does it work?
A deductible is the amount you pay out-of-pocket before your insurance starts covering eligible costs. Petsecure uses annual deductibles, meaning you only pay one deductible per policy year (if you make a claim that year). This differs from per-incident deductibles, which apply to each separate claim. Choosing a higher deductible can lower your monthly premium.
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Are there waiting periods in pet insurance?
Yes, most pet insurance policies have waiting periods – typically around 14 days for illnesses and a few days for accidents. This prevents people from signing up just to claim for immediate issues. Plan ahead so your pet is covered when the time comes!
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What is the claims process like?
Submitting a claim is typically straightforward. You’ll fill out a form and attach your vet bill. Many companies allow you to submit claims online. Most reimbursements are processed within a few weeks, so keep those invoices handy!
Ready to protect your pet? 🐾
Choosing the right pet insurance plan in Canada is an important step toward ensuring your pet’s health and your confidence in their care. Whether you're a new pet parent or considering coverage for your senior companion, Petsecure is here to help!
Get your free quote today and explore our comprehensive coverage options! 💙