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Toronto pet insurance

Learn about Toronto Pet Insurance

Toronto has a population of over 2.9 million people and more than 230,000 dogs. It is not surprising that Toronto has one of the highest dog population in Canada given that it has a lot of pet-loving people. Before purchasing dogs or cats, pet parents in Toronto are expected to get appropriate Toronto pet insurance policy to cover medical expenses related to their pets.

The insurance policy should cover accidents, surgery, emergency care, diagnostic tests, prescription, hospitalization, and illnesses. Depending on the insurer, the plan may also cover optional coverage such as routine procedures that include checkups and vaccination.

The pet insurance coverage offered by most insurers in Canada could differ in features. It is important to research the insurance provider as well as the policy to find out what applies as well as the stipulations, waiting periods, limits and exclusions that apply to the coverage before taking it out. Also, find out what applies as regards the pet’s age or breed and the limits on benefits reimbursements.

It is generally recommended that you take out pet insurance coverage as quickly as possible. Pet insurance providers in Toronto do not cover pre-existing conditions. Conditions the pet was diagnosed with before the start date of the policy are categorized as pre-existing conditions. Such conditions will be excluded from the policy. However, if the pet is diagnosed with the same condition when the policy is already effective, it will be covered under the policy.

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

Buy The Right Toronto Pet Insurance

The difference between the right and wrong coverage is usually based on what they cover. You need to make sure that the coverage can cover unexpected occurrences to be sure that your pet will be protected come rain, come sun. This is why it is recommended that you opt for broad coverage rather than a specific one. Make sure that the coverage is broad enough to cover accidents, surgery, hereditary conditions and so forth and with few or no exclusions.

Wellness coverage is a common coverage offered by most Toronto pet insurance providers as additional or optional coverage. Although this coverage is interesting and covers routine procedures such as vaccination and checkups, it is not a broad coverage and will not cover unexpected illnesses, accidents, surgery, and hospitalization.

You need to ensure that the Toronto pet insurance covers the following before taking it out:

  • 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.

Toronto Pet Insurance and Animal Shelters

  • Toronto Animal Services – 821 Progress Ave, Scarborough, ON M1H 2X4 – (416) 338-7539
  • Etobicoke Humane Society – 67 Six Point Rd, Etobicoke, ON M8Z 2X3 – (416) 249-6100
  • Toronto Animal Services, North Shelter – 1300 Sheppard Ave W, North York, ON M3K 2A6 – (416) 338-8723
  • Annex Cat Rescue – 360 Bloor St W, Toronto, ON M5S 1X1 – (416) 410-3835
  • Toronto Humane Society – 11 River St, Toronto, ON M5A 4C2 – (416) 392-2273

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

Pet Insurance Terms

  • Co-insurance – This includes the part or percentage of the claim the insured is responsible for. For example, if the co-insurance is 10%, it means that the insured will take care of 10% of the claims cost.
  • Deductible – This includes the amount agreed with the insurance company that the insured will pay before the insurance coverage takes effect. This may be charged per claim or per year.
  • Pre-existing condition – Any chronic or critical medical condition the pet was diagnosed with before the policy’s start date or before the end of the waiting period is considered a pre-existing condition. Most Toronto pet insurance providers do not cover pre-existing conditions.
  • Breed exclusion – Depending on the pet insurer, some breeds of pets may be excluded from the insurance coverage. This implies that hereditary conditions related to that breed may not be covered by the policy.

To learn more about pet insurance, click here.

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Toronto Pet Insurance FAQs


How soon does pet insurance take effect?

The pet insurance takes effect as soon as the waiting period is over. This may be different from one insurance company to another. For some insurance companies, the waiting period is 14 days. The waiting period is usually shorter in case of an accident.

Can I have two pet insurance policies?

Of course, you can insure your dog twice but you can only claim on one policy at a time. It will be considered fraudulent if you claim with two insurers.

What does pet insurance actually cover?

In Toronto, pet insurance covers essential medical costs in an emergency. The insurance will help to pay for the pet treatment when ill as well as routine procedures such as worming or teeth cleaning.

Does claiming on pet insurance increase premium?

The cost of pet insurance is generally increasing. This is due to several factors such as advancement in veterinary treatment which results to increase in the corresponding costs. Some pet insurers also increase your future premiums when you make a claim. However, not all insurers increase the premium.

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

What to Ask Before Purchasing Pet Insurance

Before purchasing pet insurance, you should make informed choices and ask the right questions in order to get the most appropriate coverage. You need to understand what works and what does not work as well as what is actually covered in the plan before you take out the coverage.

Here are some important questions you may need to ask before purchasing pet insurance Toronto:

  • 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 Toronto pet insurance, click here.

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