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Alberta Pet Insurance

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Alberta Pet Insurance Overview


Alberta Pet Insurance

Learn about Alberta Pet Insurance

Alberta is a pet-friendly province. Being pet-friendly, both pets and pet owners are protected by Alberta law. This makes the province one of the best places to raise pets. However, before purchasing a pet, it is necessary to make provision for Alberta pet insurance. The right pet insurance will assist you in covering pet-related medical expenses.

The right Alberta pet insurance will cover a range of conditions including hospitalization, illnesses, accidents, prescription, diagnostic tests, emergency care, surgery and so forth. If you want, you can add optional coverage to the policy. Pet insurers offer a wide range of optional coverages such as general wellness coverage.

The right pet insurance coverage is usually a broad coverage with few exclusions. Before purchasing insurance, it is necessary to take a good look at the coverage including the stipulations, exclusions, waiting period and limits. Also, find out the coverage’s limit on benefits reimbursement and the requirements for the pet’s age and breed.

Older pets are prone to chronic diseases. This is why it is better to insure pets when they are younger. Once a pet is diagnosed with a chronic condition, the condition will be excluded from the coverage. However, medical conditions diagnosed when the policy is already effective will be covered by the policy.

To get a quote on Alberta pet insurance, click here.

Buy The Right Alberta Pet Insurance

Before taking out Alberta pet insurance coverage, it is necessary to research pet insurance providers to make sure that you are going with the best insurance policy. The services and features offered by Alberta pet insurance providers may differ significantly. While comparing policy options, it is necessary to keep an eye on your budget and the cost of insurance.

The best Alberta pet insurance for you is a broad coverage that covers medical emergencies and unexpected events. The essence of insurance is to provide comprehensive coverage to your pet in the event of an unexpected medical condition. General wellness coverage such as preventative care that covers routine procedures like vaccination and checkups does not provide comprehensive coverage and may not be the best option for you if you are looking for broad coverage.

Make sure that the Alberta pet insurance covers the following before you choose the coverage:

  • Accidents and illnesses
  • Emergency care
  • Prescription medication
  • Hereditary, congenital and chronic conditions
  • Hospitalization
  • Specialist care, and
  • Surgery

To learn more about pet insurance click here.

Alberta Pet Insurance and Veterinary Hospitals

  • Alberta Veterinary Medical Association – 9452 51 Ave NW #104, Edmonton, AB T6E 5A6 – (780) 489-5007
  • Beaumont Animal Clinic – 4816 50 Ave, Beaumont, AB T4X 1J9 – (780) 929-6107
  • St Paul Veterinary Clinic – 4802 50 St, St. Paul, AB T0A 3A4 – (780) 645-3921
  • Northside Veterinary Clinic – 210F 12a St N, Lethbridge, AB T1H 2J1 – (403) 327-3352
  • Bonnyville Veterinary Clinic – 61219 AB-41, Bonnyville, AB T9N 0H3 – (780) 826-2188
  • West Wind Veterinary Hospital Ltd – 51136 51136 Range Road 212, Sherwood Park, AB T8G 1E7 – (780) 662-0112
  • Carstairs Veterinary Clinic – 901B AB-2A, Carstairs, AB T0M 0N0 – (403) 337-3221
  • Alberta Veterinary Center – 202 Burnt Ridge Rd, Red Deer County, AB T4S 0K6 – (403) 347-1711
  • Southside Veterinary Clinic – 1716 50 Ave #101, Lloydminster, AB T9V 0Y1 – (780) 872-7387
  • Lacombe Veterinary Centre – 5828 AB-2A, Lacombe, AB T4L 2G5 – (403) 782-3688

To learn more about the Alberta pet insurance and veterinary service, click here.

Pet Insurance Terms

  • Co-insurance – This is the part of the claim that the insured will have to pay after taking out the deductible. If the co-insurance is 20%, it means that the insured will be responsible for 20% of the cost of the claim.
  • Deductible – This is the predetermined amount of money that the insured has to pay before the insurance coverage takes effect. Deductibles may be paid per year or per claim.
  • Pre-existing condition – Any critical medical condition that the pet is diagnosed with before the effective start date of the policy is referred to as a pre-existing condition. Alberta pet insurance companies do not cover pre-existing conditions.
  • Breed exclusion – Some insurers may exclude certain pet breeds from their insurance policies. In other words, medical conditions related to that breed may not be covered under the policy.

To learn more about pet insurance, click here.

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Alberta Pet Insurance FAQs


Does pet insurance go up if you claim?

Pet insurance cost is increasing in general, thanks to the advancement in veterinary care. While some pet insurance companies will increase your insurance premium when you make a claim, some others do not.

Do pet insurance companies pay the vet directly?

Most pet insurance companies may be willing to pay your vet directly. With such an arrangement, your vet will have to request money directly from the insurance company, you only have to pay the excess.

How soon does pet insurance take effect?

The waiting period determines how soon your insurance coverage will take effect. While the waiting period for pet insurance providers differs with the provider, most insurers have a waiting period of 14 days.

What does pet insurance actually cover?

Alberta pet insurance basically covers medically necessary costs, especially in case of an emergency. The coverage will assist you to pay for the medical bill when your pet falls ill and it also covers routine procedures.

To get a quote on Alberta pet insurance, click here.

What to Ask Before Purchasing Pet Insurance

It is necessary to ask the right questions before purchasing Alberta pet insurance coverage. By asking the right question, you will understand what the policy entails, what is covered and what is not covered. You need to have a good understanding of the policy before making a claim.

Here are some questions to ask before taking out Alberta pet insurance:

  • What is covered and what is not?
  • What illnesses and injuries are covered in the insurance?
  • What makes up an accident?
  • Does the policy include out-of-country or province coverage for my pet?
  • Are there breed-specific exclusions?
  • Is there any benefit or effect on my plan if I enroll multiple pets?
  • How long does it take to process a claim?
  • Is there any waiting period before I can make my first claim?
  • Will my premium change over time or as my pet ages? Will it increase if I make a claim?
  • How do I make a claim? Do I have to pay the veterinary upfront?

To learn more about Alberta pet insurance, click here.

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