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Kitchener-Waterloo-Cambridge pet insurance

Learn about Kitchener-Waterloo-Cambridge Pet Insurance

One of the best things you can do for your beloved pet is to get a suitable insurance policy to cover pet-related medical expenses. Kitchener-Waterloo-Cambridge pet insurance policies generally cover several illnesses, accidents, hospitalization, emergency care, surgery, diagnostic care and hospitalization related to the pet. Some policies may include wellness coverage as additional or optional coverage to cover routine procedures such as checkups and vaccination.

When choosing a pet insurer in the Regional Municipality of Waterloo, you need to make sure you research about the company, their insurance products, and services. Also find out about the limits, waiting periods, exclusions and stipulations that apply to the coverage. Some insurers have different policies based on the pet’s age and breed and some may place a limit on the benefits reimbursement.

It is also highly recommended that you get pet insurance Kitchener-Waterloo-Cambridge as early as possible. As pets age, their risk of developing chronic illnesses increase and genetic conditions may easily manifest themselves. If the pet is diagnosed with any chronic condition before the policy’s start date, the condition will not be covered by the policy. But if the condition is diagnosed after the start date, it will be covered.

To get a quote on Kitchener-Waterloo-Cambridge pet insurance, click here.

Buy The Right Kitchener-Waterloo-Cambridge Pet Insurance

With the right Kitchener-Waterloo-Cambridge pet insurance policy, you could save thousands of dollars on the coverage. The difference between the right and wrong coverage could be on how narrow or broad the coverage is. Since your reason for taking out pet insurance is to cover the unexpected, it is better to opt for broad coverage to be sure that your pet will be protected no matter what happens.

Wellness coverage is a good example of narrow or specific coverage. This is preventative care that covers checkups and wellness. Such coverage does not provide a broad option or features for you and may not be a great option for your pet.

It is necessary to ensure that your Kitchener-Waterloo-Cambridge pet insurance policy 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.

Kitchener-Waterloo-Cambridge Pet Insurance and Animal Shelters

  • Kitchener-Waterloo Humane Society – 250 Riverbend Dr, Kitchener, ON N2B 2E9 – (519) 745-5615
  • The Dog Haus – 226 Riverbend Dr, Kitchener, ON N2B 2E9 – (519) 569-7344
  • Animal Services Cambridge – 1660 Dunbar Rd, Cambridge, ON N1R 8J5 – (519) 623-6323

To learn more about the Kitchener-Waterloo-Cambridge pet insurance and animal service, click here.

Pet Insurance Terms

  • Co-insurance – Some policies may require you to cater for a part of the claim. This is known as co-insurance. For example, if the co-insurance is 20%, it means that you will be responsible for 20% of the cost of the claim.
  • Deductible – This is the agreed amount of the claim that will be paid by the insured before accessing the insurance payout. This may be charged per year or per claim.
  • Pre-existing condition – This is any serious medical condition the pet was diagnosed with before the policy’s start date. A lot of insurers in Kitchener-Waterloo-Cambridge do not cover pre-existing conditions.
  • Breed exclusion – Depending on the pet insurer, some pet breeds may be excluded from the insurance coverage. This means that hereditary conditions related to the breed will not be covered.

To learn more about pet insurance, click here.

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Kitchener-Waterloo-Cambridge Pet Insurance FAQs


Does pet insurance go up if you claim?

Your future pet insurance policy will likely increase when you make a claim. Pet insurers assume that you will likely make another claim in the future if you made a claim in the past.

Is gingivitis covered by pet insurance?

Kitchener-Waterloo-Cambridge pet insurance policies do not usually cover problems that can be prevented by you. Gum diseases or gingivitis is an example of that.

Can I cancel my pet insurance at any time?

Pet insurers in the Regional Municipality of Waterloo do not generally place restrictions on when you can cancel your pet insurance policy. You can do so anytime you wish.

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

The cost of pet insurance policies varies remarkably and depends on several factors. But monthly pet insurance premiums will range from $10 to $100 on the average.

To get a quote on Kitchener-Waterloo-Cambridge pet insurance, click here.

What to Ask Before Purchasing Pet Insurance

Before purchasing a pet insurance policy in Kitchener-Waterloo-Cambridge, it is necessary for pet parents to understand the features and benefits covered by the policy in order to make informed choices. You also need to know what works and what does not work in the policy before making a claim.

Ask the following questions before taking out a Kitchener-Waterloo-Cambridge pet insurance policy.

  • 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 Kitchener-Waterloo-Cambridge pet insurance, click here.

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