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Calgary pet insurance

Learn about Calgary Pet Insurance

As a pet parent residing in Calgary, pet insurance may be useful to cover medical costs related to your pet. Irrespective of the policy you take out, the plan should cover surgery, accidents, emergency care, illnesses, hospitalization, and diagnostic tests. Some plans also cover additional and optional coverage such as general wellness coverage which includes vaccinations and checkups.

The coverage and features offered by different pet insurance companies may differ. So, it is important to research each company to find out their specific coverage before you take out the policy. Also make sure you find out about the policy’s waiting periods, exclusions, limits, and stipulations. Some carriers may place a limit on the benefits reimbursement. This limit could be yearly or fall into the pet’s lifespan.

As pets age, they become prone to chronic illnesses and genetic diseases may show up. If the pet is diagnosed with any medical condition before the coverage takes effect, such condition may be excluded from the coverage. However, if the condition is diagnosed after the coverage takes effect, the pet will be covered. This is why you need to get the right Calgary pet insurance as soon as you can.

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

Buy The Right Calgary Pet Insurance

Whether you need minor stitches or major surgery for your pet, it is important to opt for broad pet insurance coverage with minimal exclusions. Your reason for taking out the pet insurance is to cover the unexpected and so you should go for Calgary pet insurance that truly covers unexpected conditions.

Wellness coverage, also known as preventative care, covers checkups and vaccinations, but the coverage is not broad. In other words, such coverage may not be a great option for your pet insurance.

Make sure that your pet insurance Calgary 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.

Calgary Pet Insurance and Animal Shelters

  • AARCS – Alberta Animal Rescue Crew Society – 5060 74 Ave SE, Calgary, AB T2C 3C9 – (403) 250-7377
  • Calgary Humane Society – 4455 110 Ave SE, Calgary, AB T2C 2T7 – (403) 205-4455
  • MEOW Foundation – 35 Skyline Crescent NE, Calgary, AB T2K 5X2 – (403) 230-6033
  • Calgary Wildlife Rehabilitation Society – 11555 85 St NW, Calgary, AB T3R 1J3 – (403) 214-1312
  • Heaven Can Wait Animal Rescue Foundation – 56249 562 Ave E, High River, AB T0L 0P0 – (403) 601-2520

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

Pet Insurance Terms

  • Co-insurance – This represents the part of the claims you are expected to take care of. For instance, if the co-insurance is 20 percent. The insurer will take care of 80 percent while you take care of 20 percent of the cost of the claim.
  • Deductible – If the plan involves a deductible, the insured is expected to pay the stated deductible amount before the coverage kicks in. The deductible may be charged annually or for each claim.
  • Pre-existing condition – Any serious medical condition the pet had before the policy’s start date is categorized as a “pre-existing condition”. No pet insurer in Calgary covers pre-existing conditions.
  • Breed exclusion – Depending on the insurer, certain pet breeds may be excluded from the pet insurance coverage. This means that hereditary illnesses related to the pet may not be covered.

To learn more about pet insurance, click here.

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Calgary Pet Insurance FAQs

Can I have two pet insurance policies?

Pet insurance companies usually do not recommend that you have two pet insurance policies for the same pet and at the same time. In fact, you might be denied a claim if you have two pet insurance policies.

Does pet insurance go up if I make a claim?

Yes. Pet insurance is likely to go up if you make a claim. Pet insurance companies assume that you might likely make another claim if you made a claim in the past.

How soon does pet insurance take effect?

You will usually have to wait for about 14 days before you can make a claim on your pet insurance for illness. The period may be shorter for accidents.

Can I still get pet insurance after diagnosis?

Of course, you can get pet insurance after diagnosis but the specific medical condition your pet is diagnosed with may not be covered. However, you will be covered for conditions that develop after the policy takes effect.

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

What to Ask Before Purchasing Pet Insurance

You need to make well-informed decisions when taking out Calgary pet insurance. Before making a claim, you should understand how the coverage works and also what is covered and what is not covered by the policy.

Some of the questions you should ask before purchasing Calgary pet insurance are as follows:

  • 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 Calgary pet insurance, click here.

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