Here's what to check before getting pet insurance

Owning a pet can be such a rewarding and exciting experience, but sometimes, they need extra care. While you can't predict when your pet will get sick, or how much vet bills will cost, you can protect against unexpected veterinary costs with pet insurance. 

Just like when you researched the perfect breed for your lifestyle, it's important to investigate pet insurance options, too. When it comes to picking pet insurance, you'll want to shop around and here is what you need to pay attention to: 

Coverage amount

Surprises can be fun, but not when it comes to your pet insurance coverage.  

Maybe you have an accident-prone cat, or a dog that is too curious. Understanding what's included in your coverage is the best way to avoid surprises in the future, and to help protect your furry friends.  

With a full understanding of what pet insurance costs, and what it covers, you can find the best plan to help protect your furry friend. When picking a pet insurance company, look for one that offers you the ability to customize the plan and premium to work best for you and your pet. 

Remember, selecting options for higher annual coverage limits or a higher percentage of your bill to be covered by insurance often means a higher premium. Finding a provider that offers flexible options means you can choose coverage that best fits your pet, and your budget.  

No age limits

Just like with people, it is typically easier and less expensive to insure a younger pet, and some providers won't accept pets over a certain age. Ideally, you'll want to have a pet insurance policy earlier on, so you are less likely to have pre-existing conditions excluded from coverage. No matter the age of your pet, it's important to ask if your pet insurance covers older pets or how their age will affect their coverage. 

No breed exclusions

Did you know that some Ontario pet insurance companies do not cover all breeds? Some companies exclude breeds from plans or make them eligible for an additional fee. Look for a pet insurance provider that has no breed exclusions for covering your furry friends, meaning no matter the breed; your pet is welcome to enrol in coverage. 

Flexibility and convenience

Having a plan that offers flexibility when selecting your monthly pet insurance cost and allows you to have control over which specialist or licensed veterinarian your pet visits, is important to ensure stress-free days and less out-of-pocket expenses. 

Protect your pet

With Pets Plus Us pet insurance, you can find the coverage that perfectly fits your pet's needs. Plus, you'll get a 4Life Guarantee, meaning your pet is protected for life.  

Have you heard of Blue Ribbon Benefits? It includes several exclusive benefits like access to veterinary nurses outside of regular office hours who will triage your call to your regular veterinary service or the nearest emergency hospital.   

Pets Plus Us plans also offer access to dedicated professional in-house counsellors that can help bring comfort and clarity if you are dealing with issues surrounding your pet's serious illness and injuries, including bereavement support.  

Here at CAA, we understand that your pet is an important part of your life. That's why we've partnered with Pets Plus Us; with them, you can feel at ease with the right pet insurance coverage in Ontario to meet all your animal's needs. 

Worry less about the cost of veterinary care. CAA Members can also save 13.5% on Pet Insurance, and non-Members can save 9%*. Get a quote today online or call 1-833-323-2456. 

*CAA Members receive a preferred rate of 13.5% off effective April 15, 2024. Non-members receive a preferred rate of 9% off effective April 15, 2024.

The information herein is summarized. All Pet Insurance plans have limitations and exclusions. Specific products, features, coverage limits, rates, and discounts may vary by province, eligibility, and are subject to change. Medical Conditions that are noted, symptomatic or diagnosed prior to enrollment, or during a waiting period are pre-existing to Coverage and not eligible for reimbursement. This advertisement is an outline only, the actual policy issued Terms and Conditions will prevail. 

© 2023 All rights reserved. Pets Plus Us Pet Insurance policies are underwritten by Northbridge General Insurance Corporation, distributed by PTZ Insurance Services Ltd. & Société d'Assurances Collectives (Sodaco) Inc. in Quebec. Pets Plus Us Pet Insurance is available in all provinces and territories. Pets Plus Us®, Pets Plus Us & Design and related words and logos are trademarks and the property of PTZ Insurance Services Ltd.