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Ottawa-Gatineau pet insurance

Learn about Ottawa-Gatineau Pet Insurance

Your pet could mean the world to you but when it becomes critically ill, you might need to fork over thousands of dollars to get the right medical treatment unless you have an adequate Ottawa-Gatineau pet insurance plan. A lot of pet insurance policies in the Ottawa area cover diagnostic tests, prescriptions, accidents, illnesses, emergency care, surgery, and hospitalization. Insurers may also add optional coverage to their policy. Wellness coverage is a common optional coverage offered by most insurer. This covers routine procedures like vaccination and checkups.

Before purchasing pet insurance coverage in Ottawa-Gatineau, it is important you research the insurer and find out everything that applies as regards the limits, waiting periods, stipulations, and exclusions. The policy that applies to the breed and age may also vary with the insurance provider and you need to find out about the insurer’s limit on benefits reimbursement before taking out the coverage.

The risk of genetic diseases and critical illnesses increases as pets age. Furthermore, if a critical condition is diagnosed before the policy’s start date, it will not be covered by the Ottawa-Gatineau pet insurance policy. However, the condition will be included in the coverage if it is diagnosed when the policy is already effective.

To get a quote on Ottawa-Gatineau pet insurance, click here.

Buy The Right Ottawa-Gatineau Pet Insurance

When taking out Ottawa-Gatineau pet insurance, you need to make sure that the coverage is comprehensive and broad. Broad coverage is one that covers any critical or chronic condition or as many as possible. This will help you to protect your pet in the event of unexpected illness, accident, medical emergency or hospitalization.

Most pet insurance providers offer wellness coverage as optional or additional coverage. Wellness coverage or preventative care provides coverage for routine procedures such as checkups and vaccination. However, this is not a broad coverage as it only covers procedures like checkups and vaccination; it may not be a great option for you.

Make sure that the Ottawa-Gatineau pet insurance covers the following before you take out the coverage.

  • Accidents and illnesses
  • Emergency care
  • Prescription medication
  • Hereditary, congenital and chronic conditions
  • Hospitalization
  • Specialist care, and
  • Surgery

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Ottawa-Gatineau Pet Insurance and Animal Shelters

  • Outaouais SPCA – 132 Rue de Varennes, Gatineau, QC J8T 8G5 – (819) 243-2004
  • SPCA Of Western Quebec – 1658 Chemin Pink, Gatineau, QC J9J 3N7 – (819) 770-7722
  • Ottawa Humane Society – 245 W Hunt Club Rd, Nepean, ON K2E 1A6 – (613) 725-3166
  • Refuge d’espoir pour chaton errants – 574 Rue Filiatreault, Gatineau, QC J8P 2P9 – (819) 744-0088
  • Navan Animal Rescue Corporation – 4388 Navan Rd, Navan, ON K4B 1H9 – (613) 834-7005

To learn more about the Ottawa-Gatineau pet insurance and animal service, click here.

Pet Insurance Terms

  • Co-insurance – This is the part of the insurance (expressed in percentage) that you are responsible for. It usually comes in after the deductible has been removed.
  • Deductible – Before the coverage takes effect, the insured may be required to pay a predetermined amount of the insurance claim. This may be paid annually or per claim.
  • Pre-existing condition – Any critical condition the pet was diagnosed with before the start date of the insurance policy is considered a pre-existing condition. Most insurance companies in the Ottawa-Gatineau area do not cover pre-existing medical conditions.
  • Breed exclusion – Certain breeds of pets may be excluded from the Ottawa-Gatineau pet insurance policy. This means that hereditary conditions related to that breed will not be covered by the policy.

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Ottawa-Gatineau Pet Insurance FAQs

Does pet insurance go up if you claim?

Making a claim will likely increase your Ottawa-Gatineau pet insurance premium in the future. This is because the provider will assume that if you made a claim in the past, you are likely to make another.

How do I make a claim on pet insurance?

The process of making a claim for pet insurance may vary with the insurance company. However, you may probably need to call the insurer on the claim line to inform them that you want to make a claim. Thereafter, you can complete and send the requisite documents such as the evidence for the claim and the necessary paperwork.

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

The waiting period for pet insurance companies may vary. For most insurers, the waiting period is 14 days. This means that you have to wait for 14 days before making a claim. The waiting period may be shorter in case of an accident.

What is not covered by pet insurance?

Conditions like cancer, hereditary or congenital conditions, chronic conditions, and emergencies may be covered by most pet insurance Ottawa-Gatineau. However, most insurers do not cover pre-existing conditions and also wellness visits such as annual exams or teeth whitening may also not be covered by some policies.

To get a quote on Ottawa-Gatineau pet insurance, click here.

What to Ask Before Purchasing Pet Insurance

When taking out an Ottawa-Gatineau pet insurance policy, it is important to make well-informed choices and understand what works and what does not work with the coverage. This is very necessary before making a claim.

Here are some questions to ask before taking out Ottawa-Gatineau 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 Ottawa-Gatineau pet insurance, click here.

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