Pet Insurance Calgary

Pet Insurance in Canada – What You Need to Know

Pet insurance is a type of health insurance for pets, providing coverage for veterinary care related to illness or injury. It operates on a reimbursement model, where pet owners pay the veterinary bills upfront and then submit a claim to the insurance provider for reimbursement.

What is pet insurance and how does it work?

How does pet insurance work?

Pet insurance works by reimbursing pet owners for covered veterinary expenses after they have paid the bill upfront. Each insurance plan has its own coverage limits, deductibles, and reimbursement percentages.

What does pet insurance cover?

Pet insurance typically covers veterinary costs for illness and injury, including diagnostics, surgeries, medications, and hospitalization. Some plans may also include coverage for preventative care such as vaccinations and annual check-ups.

How does the deductible work in pet insurance?

The deductible is the amount the pet owner must pay out of pocket before the insurance coverage kicks in. Once the deductible is met, the insurance provider will reimburse a portion of the remaining eligible expenses.

How much does pet insurance cost in Canada?

What factors determine the cost of pet insurance?

The cost of pet insurance in Canada is determined by factors such as the pet’s age, breed, and location, as well as the chosen coverage limits and deductible amount.

How do different insurance plans affect the cost?

Different insurance plans offer varying levels of coverage, and the more comprehensive the coverage, the higher the monthly premium. Pet owners can choose a plan that aligns with their budget and the level of coverage they desire for their pets.

Are there any additional fees with pet insurance?

Some pet insurance plans may have additional fees such as enrollment fees, transaction fees, or fees for certain payment methods. It’s important for pet owners to review the policy details to understand all potential costs.

What does pet insurance in Canada cover?

Does pet insurance cover pre-existing conditions?

Most pet insurance plans do not cover pre-existing conditions, which are health issues that occurred before the pet insurance policy was purchased. It’s important for pet owners to review the policy’s definition of pre-existing conditions.

How does pet insurance handle regular vaccinations and preventative care?

Some pet insurance plans offer optional coverage for preventative care, including vaccinations, flea and tick control, and annual wellness exams. However, these are often optional add-ons and may not be included in standard policies.

Is hip dysplasia covered by pet insurance?

Hip dysplasia coverage varies by insurance provider and plan. Some plans may cover hip dysplasia if it is not a pre-existing condition and is diagnosed after the waiting period.

Choosing the best pet insurance

What should Canadian pet parents look for in a pet insurance provider?

Canadian pet parents should look for a pet insurance provider that offers comprehensive coverage, clear policy terms, a simple claims process, and responsive customer service. It’s also essential to consider the provider’s reputation and financial stability.

What are the key factors to consider when comparing pet insurance companies?

When comparing pet insurance companies, pet owners should consider coverage options, premium costs, reimbursement percentages, annual limits, customer reviews, and the company’s approach to customer service and claims processing.

Why do Canadian pet parents need pet insurance?

Canadian pet parents need pet insurance to provide the best care for their pets. By securing pet insurance, they can protect their pets from unexpected veterinary expenses and ensure they receive timely medical attention without financial burden.

Understanding the process of making claims with pet insurance

Pet insurance claim formWhat is the process for making a claim with pet insurance?

To make a claim, pet owners must submit a claim form along with the itemized veterinary invoice and any other requested documentation to the insurance provider. Once the claim is processed, the reimbursement is issued based on the policy terms.

How long does it take for a claim to be processed by the insurance provider?

The claim processing time varies by insurance provider, but it typically takes a few days to a few weeks for the claim to be reviewed and reimbursed, depending on the complexity of the claim and the provider’s internal processes.

What should pet owners do in case of a veterinary emergency before making a claim?

In the event of a veterinary emergency, pet owners should prioritize seeking immediate care for their pets. Once the pet’s health is stable, they can then gather the necessary documentation and submit a claim to the insurance provider for reimbursement.


When our clients from Chestermere, Calgary or the surrounding area bring their pets in for exams they can ask us about activating free pet insurance trials.

Our top recommendations are for Trupanion and Petsecure but there are many others out there that are also good and may be a better fit for some clients. Please ASK us.


PS. Trupanion also has the option where we can submit a claim for the client at the clinic and direct bill so the client just pays the difference. Currently they are the only provider that offers this option in addition to the regular reimbursement method.

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