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Burnaby pet insurance

Learn about Burnaby Pet Insurance

Just like humans, pets could fall sick and when they do, you need to provide urgent medical care. The cost of surgery could range from $800 to $5,000 and without an appropriate Burnaby pet insurance policy, you may have to spend money out of pocket for other pet-related medical expenses.

However, pet insurance Burnaby will help to cover the costs of diagnostic tests, illnesses, accidents, surgery, emergency care, hospitalization, and prescription drugs. Some insurers may include additional coverages such as wellness programs which could cover procedures like checkups and vaccination.

It is recommended that you spend some time to find out about the insurance provider and also the insurance coverage as well as its waiting periods, stipulations, limits, and exclusions. Some policies may have limits on their benefits reimbursements and the limits could be yearly or within the length of the pet’s lifespan. Also, find out the applicable policy as regards the pet’s breed and age.

It is also advisable to take out Burnaby pet insurance coverage as early as possible. This is because the risk of chronic illnesses increases as the pet age and if the pet is diagnosed with any condition, most insurers will exclude it from the coverage. However, if the coverage is already effective before the pet is diagnosed with the condition, it will still be covered under the policy.

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

Buy The Right Burnaby Pet Insurance

No matter the immediate health needs of your pet, it is better to go for broad coverage with few exclusions than a specific or narrow one. Pet insurance should be to cover the unexpected and the unexpected could be any condition and can happen anytime. As a pet owner, you should be ready to take care of your pet whenever it occurs.

While wellness coverage may sound like great coverage, they are not usually a broad coverage. Wellness coverages are preventive coverage that covers routine procedures such as vaccinations and checkups. They are not usually a good deal to include in your pet plan.

Ensure that your Burnaby pet insurance covers the following:

  • 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.

Burnaby Pet Insurance and Animal Shelters

  • Small Animal Rescue Society of BC – 7155 Kingsway Burnaby, BC V5E 4J6
  • Action for Animals In Distress Society – Unit 652, 141 – 6200 McKay Ave – 604-724-7652
  • BC SPCA Burnaby Branch – 3202 Norland Ave, Burnaby, BC V5B 3A6 – 604-291-7201

To learn more about the Burnaby pet insurance and animal service, click here.

Pet Insurance Terms

  • Co-insurance – The insured is responsible for taking care of the co-insurance. For example, if your co-insurance is 20 percent, you are responsible for taking care of 20% of the cost of the claim while the insurer takes care of the rest of the 80%.
  • Deductible – The insured may be expected to pay a predetermined amount known as the deductible before he can access the insurance payout. This may be charged annually or for each claim.
  • Pre-existing condition – Any chronic medical condition the pet had before the coverage kicks in is categorized as “pre-existing condition”. Some insurers do not offer coverage for pre-existing conditions. For example, if the pet was diagnosed with arthritis before the coverage begins, it won’t be covered for any care related to arthritis.
  • Breed exclusion – Depending on the insurer, certain breeds may be excluded from the pet insurance Burnaby. This simply means that the insurer will not cover any hereditary condition related to that breed.

To learn more about pet insurance, click here.

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Burnaby Pet Insurance FAQs

Does pet insurance go up if you claim?

Yes. It is likely that your future pet insurance premium will go up if you make a claim. This is because pet insurance Burnaby providers assume that your chances of making another claim are higher if you made a claim in the past.

What is the waiting period for Burnaby pet insurance?

The waiting period for illnesses and accidents is usually 14 days. The pet you are insuring is expected to visit a vet within the past 12 months for the coverage to start. You can take the pet to a vet during the waiting period without loss of coverage.

Can you get pet insurance after diagnosis?

If the pet is diagnosed with a preexisting condition before the end of the waiting period, the condition may not be covered by the pet insurance policy.

 

How much does pet insurance cost for a dog per month?

The cost of pet insurance may vary remarkably and could depend on several factors. However, most insurance companies charge a monthly premium from $10 to $100.

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

What to Ask Before Purchasing Pet Insurance

Before purchasing pet insurance Burnaby, it is important to make informed choices that will benefit you and your pet. You need to know how to coverage works and also what is covered and what is not covered before you make a claim.

Here are some questions you should ask before opting for Burnaby 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 Burnaby pet insurance, click here.

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