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Vancouver pet insurance

Learn about Vancouver Pet Insurance

As of 2016, Vancouver had a population of about 631,490 people and a whopping 150,000 pets. The immense population of pets in the city shows that Vancouverites love pets. As the year goes by, an increasing number of Vancouver residents purchase pets. One of the things you need to consider when purchasing a pet is the right Vancouver pet insurance to protect your beloved pet.

Whether you own a dog or a cat, pet insurance Vancouver could help you to take care of medical expenses related to pets. Pet insurance plans in Vancouver cover diagnostic tests, illnesses, accidents, prescriptions, emergency care, surgery, and hospitalization. Depending on the insurer, the policy may include optional coverage such as wellness coverage that covers checkups and vaccination.

Before taking out a Vancouver pet insurance policy, it is important for pet parents to find out everything that applies as regards the waiting periods, stipulations, limits and exclusions on the coverage. You also need to find out the coverage’s limits on benefits reimbursement and what applies as to the pet’s breed and age.

Although most critical illnesses will likely show up when the pet gets old, it is usually better to get the right coverage as early as possible. This is because chronic illnesses diagnosed before the policy’s start date will be excluded from the policy but the condition will still be covered if it is diagnosed after the policy’s start date.

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

Buy The Right Vancouver Pet Insurance

As with any other type of insurance, it is necessary to shop around and compare policy options before opting for a Vancouver pet insurance policy. Shopping around will help you to choose the best policy for you and you can compare policy options to get the best option in terms of budget and features.

No matter your requirement for pet insurance, it is necessary to go for broad coverage rather than a specific one. Broad coverage is one that covers any unexpected illness or medical condition. The essence of insurance is to cover medical emergencies and unexpected occurrences and you need broad coverage for that.

Wellness coverage is usually included in most policies as additional coverage. It covers routine procedures like checkups and vaccination. While wellness coverage may sound like great coverage, it is not usually the best option if you are looking for broad coverage.

When taking out Vancouver pet insurance coverage, you need to ensure that the policy 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.

Vancouver Pet Insurance and Animal Shelters

  • BC SPCA Vancouver Branch – North building, 1205 E 7th Ave, Vancouver, BC V5T 1R1 – (604) 879-7721
  • City of Vancouver Animal Services -1280 Raymur Ave, Vancouver, BC V6A 3L8 – (604) 873-7000
  • Vancouver Orphan Kitten Rescue – 2028 Wall St, Vancouver, BC V5L 1B1 – (604) 731-2913
  • BC SPCA West Vancouver Branch – 1020 Marine Dr, West Vancouver, BC V7T 1B1 – (604) 922-4622
  • Big and Small Rescue Society – 700 W Georgia St, Vancouver, BC V7Y 1B3 – (778) 317-7752

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

Pet Insurance Terms

  • Co-insurance – This is the part or percentage of the claim the insured is responsible for. If the co-insurance is 10%, it means that the insured has to take care of 10% of the cost of the claim.
  • Deductible – This is the agreed amount of the claim that the insured has to pay before he can access the insurance payout. It may be charged per claim or per year.
  • Pre-existing condition – Any chronic medical condition that the pet was diagnosed with before the policy’s start date is a pre-existing condition. Vancouver pet insurance providers do not cover pre-existing conditions.
  • Breed exclusion – Certain pet breeds may be excluded from the pet insurance coverage. This depends on the insurer. In other words, hereditary conditions related to that breed will not be covered by the policy.

To learn more about pet insurance, click here.

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Vancouver Pet Insurance FAQs


Does pet insurance go up if you claim?

Your pet insurance premium may likely go up when you make a claim. However, this depends on the insurance provider, some insurers do not increase the cost of insurance even after making a claim.

Can I get pet insurance after diagnosis?

In the case of a pre-existing medical condition, most pet insurance companies may not provide coverage. However, if the pet is diagnosed with critical illness after the policy’s start date, the condition will be covered by the policy.

What is the waiting period for pet insurance?

The waiting period varies from one pet insurance company to the other. However, pet insurance policies that cover illnesses usually have a waiting period of 14 days.

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

Pet insurance premium generally depends on the insurer and varies widely. The monthly premium could range from $10 to $100 but most pet parents prefer to pay from $30 to $50 per month.

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

What to Ask Before Purchasing Pet Insurance

It is important to make a well-informed choice before taking out a pet insurance policy for your pet. You need to understand everything about the policy, how it works, what works and what does not work before you make a claim.

Here are some of the questions you need to ask before taking out the coverage:

  • 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 Vancouver pet insurance, click here.

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