The more comprehensive coverage policy will include such coverage as preventative and routine care. Some pet insurance companies have age limits for the pet’s coverage.
The more comprehensive coverage packages, which are also the more expensive, will also include coverage for advertising and rewards for finding lost pets. There is protection offered for pets when the owner is hospitalized.
Some Canadian Pet Insurance companies even have coverage available for the need to cancel a vacation due to serious pet illnesses. Pet owners can review the company’s coverage options and customize a package that fits their budget and supports their lifestyle.
Featured here will be the more prominent pet insurance companies and the main options offered in their policies.
Most Popular Companies
Among the more popular companies is Petsecure, which is the largest pet insurer in Canada. Included in their policies is coverage for dental care, cancer treatment, and problems from hip dysphasia. They also offer coverage for normal health maintenance considerations.
PC Financial Pet Insurance (President’s Choice) does not charge set-up fees. It offers coverage to compensate the pet owner for cancelling a vacation due to serious pet illness and emergency boarding fees incurred when an owner must be hospitalized.
Ontario SPCA Insurance – OSPCA Insurance.com (available only in Ontario has very broad coverage including accidents, illness, examination fees, and alternative therapies, among other needs that pet owner’s experience.
Policy Costs And Pet Age Limitations
The costs for these policies vary with the different companies but range from $10.00 to $70.00 per month. In some instances, the breed of the pet and the pet’s age affect the monthly premium charged.
Policies also carry deductibles ranging from $0 to $1,000.00 as well as certain amounts for co-pay ranging from “0” to 30% in specific instances. In some instances, benefit payouts are limited to policy stated amounts.
To get specifics for each company, an owner can visit the Directory of Pet Insurance Online Quote Providers and the Pet Insurance Review website as well as different pet insurance company websites.
Each Canadian pet insurer tailors their coverage package according to species with dog policies being a bit more expensive. Also included in determining the monthly premium, are age, breed, location, and the deductible the pet owner is willing to assume.
They each reference the maximum payout per policy coverage and also a maximum enrollment age with at least one company advertising an unlimited enrollment age. This is Purinacare Canada. For some companies the enrollment age is specific for cats, dogs, and for specific breeds.
Some other sites offering information for pet owners are PlusPets.com and PetInsuranceReview.com. In all instances, pet owners can control the cost of their monthly premium by increasing the amount of their deductible.
Companies are competitive with their prices and especially comprehensive with the basic coverage offered for pets. Some companies also have customer ratings provided to report the level of satisfaction received with a company’s service.