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Victoria pet insurance

Learn about Victoria Pet Insurance

Victoria may not have as many pets as Vancouver, it is also a pet-city. The slogan “pet is man’s best friend” holds true in Victoria. As the population of pets increases so does pet-related accidents, illnesses, cancer, and other ailments increase. This is why it is necessary to make plans for the right Victoria pet insurance even before you purchase your pet.

The best Victoria pet insurance should cover several features including accidents, prescriptions, diagnostic tests, hospitalization, emergency care, surgery, and illnesses. The plan may also include optional coverages that may cover routine procedures such as checkups and vaccination.

Before purchasing any insurance, it is necessary to compare various policy options and research a number of insurance providers as well as their coverages to be sure that you can go with the features. Also take a good look at the waiting periods, limits, stipulations and exclusions before taking out a policy, as well as the policy that applies to pet’s age and breeds.

Older pets easily manifest genetic diseases; the risk of chronic illnesses increases as the pet age. If a pet is diagnosed with a chronic condition before the policy’s start date, the condition will be excluded from the pet insurance policy. However, conditions diagnosed when the policy is already effective will be covered by the policy.

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

Buy The Right Victoria Pet Insurance

When looking out for the right Victoria pet insurance coverage, it is important to go for broad coverage. A broad coverage will serve your purpose better no matter the present condition of your pet. The main reason for taking out insurance coverage is pet insurance coverage in Victoria is to cover unexpected medical conditions. This is why you should go for a broad or comprehensive coverage that includes any kind of medical emergency that could occur.

Most Victoria pet insurance coverage includes wellness coverage. Wellness coverage is preventative coverage that covers routine procedures like vaccination and checkups. Although it is a great option for additional coverage, it is not a broad coverage.

Before taking out Victoria pet insurance coverage, make sure 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.

Victoria Pet Insurance and Animal Shelters

  • BC SPCA Victoria Branch – 3150 Napier Ln, Victoria, BC V8T 4V5 – (250) 388-7722
  • Victoria Animal Control Services Ltd. – 564 David St, Victoria, BC V8T 2C8 – (250) 414-0233
  • CRD Animal Shelter – 5401 Patricia Bay Hwy, Victoria, BC V8Y 2N9 – (250) 658-5745

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

Pet Insurance Terms

  • Co-insurance – This is the percentage of the cost of the claim that the insured is expected to take care of. For instance, if your co-insurance is 20%, you are responsible for 20% of the cost of the claim.
  • Deductible – This is the agreed amount of the insurance claim that the insured will have to pay before accessing the insurance payout.
  • Pre-existing condition – Chronic conditions that the pet was diagnosed with before the policy’s start date is a pre-existing condition. Victoria pet insurance providers do not cover pre-existing conditions.
  • Breed exclusion – Some pet breeds might be excluded by an insurance provider from the coverage they provide. This simply implies that 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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Victoria Pet Insurance FAQs

Does pet insurance go up if you claim?

Making a claim will likely increase your Victoria pet insurance premium in the future. But this depends on the pet insurance provider. Some pet insurance providers do not increase future premiums due to past claims.

Can I get pet insurance for older pets?

Yes, you can get pet insurance for older pets. However, some pet insurers do not cover older pets because the risk of chronic illnesses and genetic diseases increases as pets age.

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

The waiting period for pet insurance providers vary. However, a lot of pet insurance providers have a waiting period of 14 days, some 15 days and so forth. The length of time you will have to wait before making a claim depends on the waiting period.

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

Insurance costs vary from one pet insurance company to the other and are calculated based on several factors. However, the monthly premium could range from $10 to $100.

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

What to Ask Before Purchasing Pet Insurance

It is important to ask the right questions before purchasing pet insurance Victoria. Asking the right questions will help you to make well-informed choices. It will also help you to know what works and what does not work in the coverage. It is very crucial that you understand what is included in the policy before making a claim.

Some of the questions you need to ask before taking out Victoria pet insurance are as follows:

  • 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 Victoria pet insurance, click here.

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