We don’t like to think of our pets getting sick or injured, but it can happen. Thankfully, there is pet insurance to help cover the costs of unexpected veterinary care and allow you to focus on what matters most.
What is Pet Health Insurance?
Pet insurance is coverage designed to provide pet owners like you with financial protection against expensive medical costs. By helping you deal with the cost of care, pet insurance can put you in a better position to make decisions about your pet’s medical needs without putting cost first.
With ongoing advances in the veterinary profession, there are more medical options available for treatment of accidents and illnesses today, but it all comes at a cost. Additionally, pet owners have higher expectations for their pet’s health care and standard of living. The key is for your pet to receive treatment early and quickly enough, and for you to have the financial means to cover the cost of care. View Pets Plus Us’ Cost of Care infographics for puppies and adult dogs here
Pet Health Insurance in Canada
Pet insurance is common practice among pet owners in Europe and is slowly gaining popularity in Canada. As the Canadian pet insurance industry grows, more coverage options are becoming available for pet owners. There are now a number of plans to choose from that cover accidents, illnesses, and some that even cover routine veterinary care. Most plans have customizable deductible and co-pay options, as well as various coverage levels, which all affect your annual premium.
Choosing Coverage That’s Right for You
When shopping for pet insurance, get a quote from a few reputable providers to compare the coverage options available to you. To select the plan that is right for you, consider:
- Your pet’s breed - There may be medical conditions associated with your pet’s breed. Knowing this can help you prepare for future medical needs.
- Your financial resources - Your ability to proactively save and be diligent about keeping up aside funds for care related to illnesses and unexpected medical situations should be considered.
- Your ability to pay for routine vet care - Consider the financial requirements to pay for the routine care your pet will need. As well, consider any previous medical issues your pet might have that may require ongoing care.
"My five month old Italian Greyhound, Kona, was at a doggie day care recently when she fractured her front left leg. She was taken to the nearest clinic where her leg was put in a splint. She was then referred to an emergency hospital where a bone plate was inserted with a five day stay. As you can imagine, this was a large expense that I had thought about, but definitely did not plan for. Thankfully, I had recently purchased Accident Insurance with Pets Plus Us who covered $5,000 of Kona’s medical expenses. The claims process was painless and the funds were transferred directly into my bank account. Following Kona’s accident, I realized how important pet insurance is and purchased an Accident & Illness policy with Pets Plus Us to ensure she is covered in the event that she gets sick too."