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British Columbia Pet Insurance

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British Columbia Pet Insurance Overview


British Columbia pet insurance

Learn about British Columbia Pet Insurance

As a pet-friendly province, British Columbia boasts of thousands of pets. Vancouver is ranked as one of the top ten North American cities for pet owners. There are more than 150,000 pets in the B.C. city. Being pet-friendly does not imply that your pet won’t fall sick, have an accident or develop chronic illness. Before purchasing a pet in B.C., it is necessary to consider chronic conditions that might occur and get suitable British Columbia pet insurance.

If you own a pet in B.C., you will probably need assistance on pet-related medical expenses. British Columbia pet insurance covers a range of conditions from accidents, illness, and hospitalization to emergency care, surgery, diagnostic tests, prescription, and surgery. Pet insurance may even cover general wellness coverage such as checkups and vaccination.

Before taking out British Columbia pet insurance, you need to understand everything the coverage entails, its stipulations, waiting periods, limits, and exclusions. It is also important to understand the limits on benefits reimbursement, and what applies as to the age and breed of the pet.

No pet insurance company in British Columbia covers pre-existing conditions – conditions diagnosed prior to the start date of the policy. In other words, to get a comprehensive policy for your pet, you need to get it insured as early as possible. Pets easily develop chronic illnesses as they age. However, getting insurance for your pet as early as possible will help you ensure that the pet is insured before chronic illnesses manifest.

To get a quote on British Columbia pet insurance, click here.

Buy The Right British Columbia Pet Insurance

The difference between the right and the wrong coverage is usually on what is covered. When taking out British Columbia pet insurance, it is important to ensure that the coverage is comprehensive and covers everything from prescription, emergency care, and surgery to hospitalization, accidents, and illness.

To get comprehensive coverage, it is recommended to opt for broad coverage. Broad coverage covers a range of conditions that your pet might develop. The main reason for taking out insurance is to cover essential medical emergencies. Pet insurance is designed to provide financial assistance in the event of unexpected medical conditions. This is why taking out coverage broad enough to cover any medical emergency is the right choice to make.

Make sure that the British Columbia 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.

British Columbia Pet Insurance and Veterinary Hospitals

  • BC Animal Hospital – 15375 BC-10 #102, Surrey, BC V3S 0X9 – (604) 372-1018
  • Burrard Animal Hospital + Emergency – 1788 W Broadway #105, Vancouver, BC V6J 1Y1 – (604) 738-5683
  • Fraser Heights Animal Hospital – 15585 104 Ave, Surrey, BC V3R 1N9 – (604) 588-4161
  • Burnaby Veterinary Hospital – 2210 Springer Ave, Burnaby, BC V5B 3M7 – (604) 299-0688
  • Cloverdale Animal Hospital – #110, 17433 BC-10, Surrey, BC V3S 2X6 – (604) 574-0134
  • Panorama Veterinary Service – 10051 BC-97 #21, Lake Country, BC V4V 1P6 – (250) 766-4310
  • Scottsdale Veterinary Hospital – 7072 120 St, Surrey, BC V3W 3M8 – (604) 590-2121
  • Agassiz Animal Hospital – 1824 BC-9 4- No, Agassiz, BC V0M 1A0 – (604) 796-9555
  • Animal Health Branch – 1767 Angus Campbell Rd, Abbotsford, BC V3G 2M3 – (604) 556-3003
  • VCA Canada Central Victoria Veterinary Hospital – 760 Roderick St, Victoria, BC V8X 2R3 – (250) 475-2495

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

Pet Insurance Terms

  • Co-insurance – This is an amount the pet parent must pay after meeting the deductible. It also defines the level to which the owner must protect the pet.
  • Deductible – This is the amount of money in a claim you have to pay before accessing the insurance payout.
  • Pre-existing condition – Medical conditions the pet was diagnosed with before the policy’s start date is a pre-existing condition. Pet insurance companies in British Columbia do not cover pre-existing conditions.
  • Breed exclusion – Some pet breeds might be excluded by the insurer from the insurance coverage. In other words, hereditary conditions related to that breed will not be covered by the plan.

To learn more about pet insurance, click here.

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British Columbia Pet Insurance FAQs


Does pet insurance go up if you claim?

A lot of pet insurance companies increase the cost of insurance when you make a claim, but not all. It should not be noted that the cost of insurance is increasing due to the advancement in veterinary care.

Do pet insurance companies pay the vet directly?

A lot of British Columbia pet insurance companies may be willing to pay directly to your vet. In such a situation, the vet will have to request money directly from the insurer. You just have to pay the remainder.

How soon does pet insurance take effect?

Your pet insurance takes effect as long as the insurer’s waiting lasts. In other words, if the waiting period is 14 days, the pet insurance will take effect 14 days after you purchased the coverage. It should be noted that the waiting period may vary from one insurance company to the other.

What does pet insurance actually cover?

The pet insurance coverage depends on what is stated in the policy but generally, it covers medically necessary costs in an emergency. British Columbia pet insurance will help to pay the medical bill when the pet falls ill and it also covers routine procedures.

To get a quote on British Columbia pet insurance, click here.

What to Ask Before Purchasing Pet Insurance

Before purchasing British Columbia pet insurance, pet parents should ask the right questions and make well-informed decisions. By asking the right questions, pet parents will get to know how the coverage works, what works and what does not work. It is crucial to have a good understanding of the policy before you make a claim.

Here are some questions to ask before taking out British Columbia 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 British Columbia pet insurance, click here.

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