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Halifax pet insurance

Learn about Halifax Pet Insurance

Do you know that 65 million dogs and 32 million cats are diagnosed with cancer every year in the United States and about 6 million new cancer diagnoses are made in dogs every year? Cost for cancer treatment in dogs can vary depending on the size of the dog and the number of chemotherapy needed but each treatment may cost around $1,000. The entire course of treatment could cost from $6,000 to $10,000.

You definitely need Halifax pet insurance to really take care of medical expenses related to your pet in Halifax. Most policies cover accidents, emergency care, prescription, diagnostic tests, hospitalization, illnesses and surgery. Some policies may include wellness coverage that covers checkups and vaccinations.

When choosing a pet insurer in Halifax, you need to properly access the coverages and features offered by the insurer as well as the applicable exclusions, limits, waiting periods, and stipulations. Some coverages may consider the pet’s age or breed while some other coverages may impose limits on the benefits reimbursement.

To get the best out of your pet insurance, it makes sense to get the right coverage as soon as you can. Genetic diseases and chronic illnesses can easily manifest in your pets as they age. Conditions known before the policy’s start date will be excluded from the coverage but if your pet is diagnosed with the condition after the policy’s start date, it will be covered by the policy.

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

Buy The Right Halifax Pet Insurance

When taking out a Halifax pet insurance policy, it is important to go for broad coverage rather than a specific or narrow one. Broad coverage will cover several conditions and can effectively provide coverage for unexpected medical conditions. You should be ready to take care of your pet’s health any day and any time the unexpected happens.

Coverages such as “wellness coverage”, also known as preventative care may cover routine procedures such as checkups and vaccination. Such coverage is too specific and may not be a great option for you.

Make sure that the Halifax 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.

Halifax Pet Insurance and Animal Shelters

  • Shelter Nova Scotia – 5506 Cunard St #101, Halifax, NS B3K 1C2 – (902) 406-3631
  • SPCA Provincial Animal Shelter – 5 Scarfe Ct, Dartmouth, NS B3B 1W4 – (902) 468-7877
  • PetSmart – 201 Chain Lake Dr Unit 2, Halifax, NS B3S 1C8 – (902) 450-1367

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

Pet Insurance Terms

  • Co-insurance – The insured may be responsible for some percentage of the claim, say 20% of the claim. This is known as co-insurance.
  • Deductible – In some cases, it may be agreed that the insured pays a certain amount of the insurance claim before the coverage takes effect. The deductible may be per year or per claim.
  • Pre-existing condition – If the pet is diagnosed with a medical condition before the policy’s start date, this is known as a pre-existing condition. Most pet Halifax pet insurance companies do not cover pre-existing conditions.
  • Breed exclusion – Certain breeds may be excluded from the policy; this depends on the insurer. This means that hereditary conditions common to that breed will not be covered.

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Pet Insurance By Province

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Halifax Pet Insurance FAQs

Does pet insurance go up if you claim?

Yes. Making a claim is likely to drive your future pet insurance premium up. Some insurers will consider that you are prone to making another claim if you made a claim in the past.

How long do pet insurance claims take?

Since pet insurance claims are usually straightforward, it might take from 10 to 20 working days to get a payout.

How long after taking pet insurance can I make a claim?

It depends on the waiting period of the pet insurance company. Usually, you might have to wait for 14 days before you make a claim. The waiting period may be shorter for accidents.

Does pet insurance Halifax cover regular vet visits?

If the policy includes a wellness plan, it will cover the cost of routine visits to the vet office. Coverages such as exams and preventive care may be covered in the policy.

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

What to Ask Before Purchasing Pet Insurance

It is important to make informed choices as a pet parent before purchasing pet insurance policies in Halifax. Make sure that you know what is and what is not covered in the policy before you make a claim.

You need to ask the following questions before taking out pet insurance Halifax.

  • 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 Halifax pet insurance, click here.

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