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Richmond pet insurance

Learn about Richmond Pet Insurance

As a growing and important city in the Canadian province of British Columbia, Richmond has a growing population of pets. Among other things, you are required to license your pet in the City of Richmond but it is also necessary to have a pet insurance policy to assist you in taking care of pet-related medical expenses.

Richmond pet insurance should cover surgery, accidents, prescriptions, illnesses, diagnostic tests, hospitalization, and emergency care. There may also be an option to add optional or additional coverage to the policy. A common optional coverage offered by most insurers is wellness coverage. This covers routine procedures such as vaccination and checkups.

To get the best coverage, it is recommended that you research the insurance provider as well as the coverage’s limits, exclusions, stipulations and waiting periods. You also need to know what the policy requires for the pet’s breeds and age and its limits on benefits reimbursements.

Pets become prone to critical illnesses and genetic diseases as they get old. As a matter of fact, older pets will likely visit the vet office more than younger ones. If the pet doesn’t have pet insurance before being diagnosed with a chronic condition, no coverage will cover the condition anymore. However, if the condition is diagnosed when the policy is effective, it will be covered by the plan.

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

Buy The Right Richmond Pet Insurance

Every pet parent wants to get the best pet insurance coverage but given the number of pet insurers in B.C., it may be difficult to know which coverage is the best. This is why you need to compare policy options and research pet insurance providers to get the best coverage.

Richmond pet insurance coverage could be broad or specific. Broad coverage may cover virtually any unexpected medical condition, accidents, illnesses and hospitalization but specific coverage may cover few conditions. A good example is wellness coverage which covers only routine procedures such as vaccination and checkups.

Since the main reason why you are taking out pet insurance is to provide comprehensive coverage to your pet, it is generally better to go for broad coverage to be sure that your pet will be covered no matter what happens.

Before you choose the Richmond pet insurance coverage, you should ensure that it 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.

Richmond Pet Insurance and Animal Shelters

  • City of Richmond Animal Shelter – 12071 No 5 Rd, Richmond, BC V7A 4E9 – (604) 275-2036
  • BC SPCA Richmond Education & Adoption Centre – 7791 Steveston Hwy, Richmond, BC V7A 1L9 – (604) 277-3100
  • RAPS Cat Sanctuary – 3380 No 6 Rd, Richmond, BC V6V 1P5 – (604) 275-2036
  • New Westminster Animal Shelter – 231 Ewen Ave, New Westminster, BC V3M 5B3 – (604) 519-2008

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

Pet Insurance Terms

  • Co-insurance – This includes the percentage of the claim that you are responsible for. If pet insurance has a co-insurance of 20%, the insured will have to pay 20% of the cost of the claim.
  • Deductible – The amount agreed between the insured and the insurer that must be paid before the insurance policy becomes effective is known as a deductible. This may be charged per claim or per year.
  • Pre-existing condition – A medical condition that was diagnosed before the policy’s start date is a pre-existing condition. Most Richmond pet insurance companies do not cover pre-existing conditions.
  • Breed exclusion – Some insurance policies may exclude certain pet breeds from their coverage. In other words, hereditary conditions related to that breed will not be covered by the plan.

To learn more about pet insurance, click here.

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Richmond Pet Insurance FAQs

Does pet insurance cost go up if you claim?

The amount you pay on pet insurance may likely go up when you make a claim, depending on the pet insurer. Some pet insurance providers do not increase pet insurance premiums due to claim.

Can I get pet insurance for older pets?

Pets become prone to chronic illnesses as they age. Critical conditions may easily manifest themselves in older pets. As a result, older pets, especially those from 7 to 8 years, may hardly get coverage and even when they do, the cost may be higher.

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

The waiting period of pet insurance providers varies remarkably. It should be noted that the waiting period determines how long you have to wait to make a claim. Some insurers have a waiting period of 14 days. The waiting period may be shorter for accidents.

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

Pet insurance costs vary with the insurance company. But most pet insurance providers have a monthly premium that ranged from $10 to $100.

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

What to Ask Before Purchasing Pet Insurance

A wise man once said, “if you ask the right question, you will get the right answer”. This is true in other aspects of like as it is in pet insurance. To get the best pet insurance, you need to understand the coverage, how it works, what is covered and what is not covered. You should have a proper understanding of the coverage before making a claim.

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

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