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We encourage all pet owners to consider the financial ramifications of a medical emergency before it actually occurs.
Pet Insurance that covers accidents and illness can ensure your ability to be able to accept the treatment plan recommended by your veterinarian when your pet has been injured or becomes ill.
There are several reputable providers of pet insurance in Canada. Once you have found a policy that works for you, pet insurance provides peace of mind. There are many things to consider in researching and purchasing your pet insurance policy.
In order to make an insurance claim, typically the services must first be paid for before you can submit your claim. You will then be reimbursed according to the plan you have chosen and related deductible.
Waiting periods before your insurance takes effect
Exclusions, pre-existing conditions
Cancer and what is needed to prove a diagnosis
Routine wellness and elective procedures (such as vaccinations, spaying, neutering, or dentistry)
Accident and illness – what is included?
Deductibles – how much and how often?
Illness or accident maximums – how much and how often?
Once insured, can the company change the criteria or coverages based on prior claims?
Once insured, can the owner request a change to the plan level or coverages?
Claim procedures and turnaround times
Petcard offers a simple and affordable way to finance the treatment or product your pet needs and it allows you to get it without delay. With various options including fixed monthly payment programs and credit card programs, there are no penalties for early payment.
If this is the best option for you, we encourage you to apply for approval so that coverage is in place when you need it. This type of credit can also be used for elective procedures such as spaying or neutering, dentistry, annual vaccinations, and conditions that are excluded by your pet insurance – virtually any type of expenditure you may have at our veterinary hospital.
With competitive interest rates and easy monthly payments, some clients opt to use this credit card to pay for the veterinary care, then use their pet insurance reimbursement to pay down their credit card.