Where to Get Dog Insurance in Canada?
When considering adopting or owning a dog or cat, getting pet insurance is an essential step to protect them from costly medical expenses. Fortunately, there are plenty of affordable options for coverage for your furry friend; however, as with any type of insurance, there are certain things to consider when searching for the best deal on pet insurance in Canada.
Before anything else, decide the type of policy you need. Health insurance is the most popular, covering vet visits and procedures related to your pet's illness or disease. These policies usually feature monthly premiums and a deductible before the insurance company pays out for covered medical costs.
Next, decide which benefits you want from your policy. Some companies provide a single, comprehensive plan while others offer multiple tiers of coverage that can be tailored according to individual needs and budgets.
Some companies provide wellness care add-ons, such as routine checkups or annual physical exams, vaccines, and other preventive treatments. These options can help you save money by cutting back on frequent vet visits and paying for needed treatments early in your pet's life.
Coverage Limits and Deductible
Depending on your insurer, you have two choices for coverage limits: annual or per-condition limit. With an annual limit, you pay your deductible once annually and have a higher annual premium than with per-condition coverage which requires you to meet it every time your pet becomes ill or injured.
Accident and illness plan offers coverage limits that range from several thousand to unlimited. Some providers, such as Healthy Paws, Prudent Pet, and Spot allow you to select the highest annual reimbursement maximum available in your area.
Aside from accident and illness coverage, most pet insurance providers also provide additional coverage for hereditary conditions and chronic health issues. Some even cover boarding fees, alternative therapies, and genetic testing.
When shopping for a policy, be sure to get multiple quotes so you can compare what's included in each type of plan. Additionally, look for providers with an excellent reputation for reliability and responsiveness when filing claims.
Accident and illness plan offers coverage limits that range from several thousand to unlimited. Some providers, such as Healthy Paws, Prudent Pet, and Spot allow you to select the highest annual reimbursement maximum available in your area.
Aside from accident and illness coverage, most pet insurance providers also provide additional coverage for hereditary conditions and chronic health issues. Some even cover boarding fees, alternative therapies, and genetic testing.
When shopping for a policy, be sure to get multiple quotes so you can compare what's included in each type of plan. Additionally, look for providers with an excellent reputation for reliability and responsiveness when filing claims.
Pre-Existing Condition Exclusions
Many pet insurance companies will not cover preexisting conditions, meaning you must wait for them to be cured or covered in the future before your policy kicks in. Furthermore, some insurers require a 12-month waiting period before beginning coverage for future health issues with your pet.
How to get a quote?
Most companies provide an online pet insurance quote tool that allows you to answer a few questions about your pet and find a policy that meets both your budget and requirements. You may also call them or visit their website in person to speak with an agent in person.
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Very good thank you but can I get dog insurance if I am under 18 years old?