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Ontario Pet Insurance

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Ontario Pet Insurance Overview


Ontario pet insurance

Learn about Ontario Pet Insurance

Ontario is definitely the place you want to be if you are a pet lover. Most Ontario’s cities have a fair and favorable environment for pets. Furthermore, Ontario has several pet insurance providers offering interesting services and insurance products. Ontario pet insurance providers cover medical conditions from illnesses and hospitalization to accidents and surgery. It is easy to find the best coverage in Ontario but you need to know what you want and meticulously choose the right policy.

Before taking out Ontario pet insurance coverage, it is important to carefully research the policy to be sure that it meets your needs and budgets. The best policies are usually broad policies with few exclusions. So, it is important to understand the policy’s waiting period, stipulations, exclusions, and limits. The pet insurer might have strict requirements for certain breeds and age of pets, so, you need to make sure you properly understand what is involved in the policy before you opt-in.

Pet insurance providers in Ontario do not cover pre-existing conditions. These include medical conditions that are diagnosed before the coverage takes effect. Sadly, pets become prone to chronic illnesses as they grow older. In other words, you may not be able to access comprehensive coverage if you fail to insure your pet as early as possible. s

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

Buy The Right Ontario Pet Insurance

Even though there are a lot of interesting pet insurance coverage and providers in Ontario, it is sometimes difficult to choose the best coverage. Before purchasing an Ontario pet insurance policy, it is necessary to compare policy options and shop around in order to choose the best coverage. Sadly, this may not be so easy given the numerous pet insurance companies out there. Call Insurdinary for pet insurance coverage available to Ontarians. Insurdinary can connect you to insurance advisors who will guide you to choose the best coverage.

The right pet insurance coverage in Ontario is usually one that is broad enough to cover any medical condition or even non-medical condition that may occur to your pet. When searching for pet insurance, you need to consider the comprehensiveness of the policy. The policy should cover unexpected conditions, medical and non-medical condition and you may also add optional coverage such as general wellness coverage.

Make sure that the Ontario pet insurance covers the following before you choose 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.

Ontario Pet Insurance and Veterinary Hospitals

  • Cavan Hills Veterinary Services – 303 ON-7A, Cavan, ON L0A 1C0 – (705) 944-5776
  • Mitchell Veterinary Services – 243 Ontario Rd, Mitchell, ON N0K 1N0 – (519) 348-9711
  • Mildmay Veterinary Clinic – 1342 ON-9, Mildmay, ON N0G 2J0 – (519) 367-2691
  • Apsley Veterinary Services – 9779 ON-28 Box 177, Apsley, ON K0L 1A0 – (705) 656-2838
  • North Simcoe Veterinary Services – 1831 Rumney Rd, Midland, ON L4R 4K3 – (705) 534-7680
  • Perth Veterinary Services – 80 Lorne Ave W, Stratford, ON N5A 6S4 – (519) 271-5171
  • Mono Veterinary Clinic – 633391 ON-10, Mono, ON L9W 5P3 – (519) 941-6383
  • Sunset Strip Veterinary Clinic – 202421 Ontario 21, Owen Sound, ON N4K 5N7 – (519) 371-2030
  • College Of Veterinarians of Ontario – 2106 Gordon St, Guelph, ON N1L 1G6 – (519) 824-5600
  • Avian and Exotic Service, Health Sciences Centre, Ontario Veterinary College, University of Guelph – 28 College Ave W, Guelph, ON – (519) 823-8830

To learn more about the Ontario pet insurance and veterinary service, click here.

Pet Insurance Terms

  • Co-insurance – The percentage of the cost of the claim that the insured has to pay is known as co-insurance. It usually comes in after removing the deductible.
  • Deductible – The amount of money that the insured should pay before he/she will be able to access the insurance payout is the deductible. This may be charged per annum or per claim.
  • Pre-existing condition – Medical conditions that the pet was diagnosed with before the start date of the insurance policy is known as pre-existing conditions. Note that pre-existing conditions are not covered by Ontario pet insurance providers.
  • Breed exclusion – If the pet breed is excluded from the pet insurance coverage due to some factors such as hereditary issues common to the breed, the situation is referred to as breed exclusion. In such a case, medical conditions common to that breed will not be covered by the insurer.

To learn more about pet insurance, click here.

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Ontario Pet Insurance FAQs


Does pet insurance go up if you claim?

Some pet insurance providers will increase the amount the insured will pay in premium after they claim. However, some other providers do not.

Do pet insurance companies pay the vet directly?

If you want, you can arrange for your pet insurer to pay directly to the vet. In other words, the vet will have to request payment directly from the insurer but you will be required to pay the excess.

How soon does pet insurance take effect?

Your Ontario pet insurance will take effect as soon as the waiting period is over. The waiting period may differ from one pet insurance provider to the other but most pet insurers in Ontario have a waiting period of 14 days.

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

Pet insurance premium varies from one company to the other but the monthly premium may range from $10 to $100.

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

What to Ask Before Purchasing Pet Insurance

To get the best Ontario pet insurance coverage, it is advisable to ask the right questions and make well-informed decisions. You need to properly understand what the policy covers and what is not covered before you make a claim.

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

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