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Mississauga pet insurance

Learn about Mississauga Pet Insurance

Providing the right Mississauga pet insurance coverage to your pet is necessary to cover pet-related medical expenses. Although pet insurers in Mississauga offer different policies and plans, most offer coverage for accidents, diagnostic tests, emergency care, prescriptions, illnesses, hospitalization, and surgery. Some providers may also offer additional or optional policies such as wellness coverage to cover vaccination and checkups.

Before buying a Mississauga pet insurance policy, it is important to research the insurance provider as well as the coverage features including the stipulations, limits, waiting periods and exclusions. It may also be necessary to find out the insurer’s limits on benefits reimbursement and their policies as regards the pet’s age and breed.

Chronic illnesses and genetic diseases may easily manifest themselves as pets age. Medical conditions diagnosed before the policy’s start date are often excluded from the plan but if a condition is diagnosed when the policy is already effective, it will be covered by the pet insurance Mississauga. This is why you need to get the right Mississauga pet insurance as soon as possible.

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

Buy The Right Mississauga Pet Insurance

While some conditions may require major surgery, some other conditions may just require minor stitches. No matter the situation, it is better to go for broad coverage rather than a specific or narrow one. The right coverage should not be limited or specific to your pet’s present condition but it should be so broad as to cover other conditions. This will help you to provide adequate financial protection for your pet in case of any medical emergency.

Although wellness coverage could be included as an optional coverage, it is generally a bad idea to go for this type of insurance. Wellness coverage is preventative care that covers checkups and vaccination. The coverage is not broad and may not provide comprehensive protection for your pet.

You need to make sure that the Mississauga pet insurance policy covers the following before you pay for 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.

Mississauga Pet Insurance and Animal Shelters

  • Abbey Cat Adoptions – 1077 N Service Rd #39, Mississauga, ON L4Y 1A6 – (416) 284-2140
  • The Fluffy Carnivore Pet Food Market – 800 Southdown Rd #1a, Mississauga, ON L5J 2Y4 – (905) 855-2738
  • Dogtopia of Erindale – 1100 Burnhamthorpe Rd W #7, Mississauga, ON L5C 4G4 – (905) 362-9309
  • Creature Comforts Pet Services – 296 Lakeshore Rd W, Mississauga, ON L5H 1G6 – (905) 278-9738
  • Winston and Friendz – 2359 Royal Windsor Dr #19, Mississauga, ON L5J 4S9 – (905) 582-8279

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

Pet Insurance Terms

  • Co-insurance – This is the part of the claim the insured is responsible for, it usually comes after the deductible. For example, if the co-insurance is 20%, the insured will have to take care of 20% of the cost of the claim.
  • Deductible – This is an agreed amount of the claim that would be paid by the insured before the insurance coverage takes effect or before the insured can access the insurance payout.
  • Pre-existing condition – Any medical condition the pet had before the policy’s start date is a pre-existing condition. Most insurers do not cover pre-existing medical conditions.
  • Breed exclusion – Depending on the insurer, certain pet breeds may be excluded from the insurance coverage. This means that any hereditary condition related to that breed will not be covered by the insurer.

To learn more about pet insurance, click here.

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Mississauga Pet Insurance FAQs

Does pet insurance go up if you claim?

Yes. The pet insurance premium you will pay in the future will likely increase when you make a claim. Pet insurers assume that you will likely make another claim if you made a claim in the past.

Is dual insurance illegal?

Dual insurance may not be illegal but it is also not a good idea. When you double up policies, you are not doubling up coverage but simply spending more money. In case of an accident, the two insurers will pay their own part of the claim.

What is not covered by pet insurance?

Pet insurance covers conditions like cancer, chronic conditions, hereditary or congenital conditions, and emergencies. However, it does not cover pre-existing conditions and some policies may not cover wellness visits such as teeth cleaning and annual exams.

How do I make a claim on pet insurance?

Even though the claims process may vary with the insurer, but they generally follow a similar process. To make a claim, you need to first call your insurer on their claim line to inform them that you want to make a claim. Then complete and send the claims form and provide every paperwork and required evidence to your insurer.

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

What to Ask Before Purchasing Pet Insurance

Before purchasing pet insurance in Mississauga, it is important for pet parents to make well-informed choices. Pet parents are expected to know how their coverage works, what works and what does not work before they make a claim.

You need to ask the following question before taking out a Mississauga pet insurance policy.

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

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