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Windsor pet insurance

Learn about Windsor Pet Insurance

Windsor is an interesting place to live not only for humans but for pets. With increasing pet ownership in Windsor comes a corresponding increasing rate of pet-related diseases. Pet owners usually need assistance in covering pet-related medical expenses in Windsor. This is where Windsor pet insurance comes in.

With suitable pet insurance coverage in Windsor, your pets can be covered for emergency care, surgery, illnesses, accidents, prescriptions, diagnostic tests, and hospitalization. If you want, you can add optional coverage to cover checkups and vaccination to your pet insurance policy.

With so many pet insurance companies in Windsor, it may be difficult to choose the right pet insurance company for you. This is why you need to shop around and compare policy options before you decide on a policy. Make sure you have a good understanding of the policy’s waiting period, exclusions, limits, and stipulations before you take it out. Also, find out about the policy’s requirements for the pet’s age or breed and its limit on benefits reimbursement.

Pets become prone to chronic diseases as they age. Genetic conditions can easily manifest in older pets. Also, chronic diseases diagnosed before the policy’s start date will not be covered. However, if the condition is diagnosed when the policy is already effective, it will be covered under the plan. This is why you should take out Windsor pet insurance coverage early enough.

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

Buy The Right Windsor Pet Insurance

Not every pet insurance coverage may be right for you. Before purchasing a pet insurance policy, you need to make sure that it will meet your needs, budgets, and requirements. Most importantly, it is better to go for broad coverage rather than a specific one. Broad coverage is one that covers the most unexpected medical conditions the pet might face. The essence of insurance is to cover the unexpected and that is why you need broad coverage to cover medical emergencies.

One coverage you might find interesting is wellness coverage. This covers routine procedures such as checkups and vaccination and is generally considered as preventative care. However, wellness coverage is not a broad coverage and may not be the best option if you are looking for broad coverage.

Make sure that the Windsor pet insurance policy covers the following before taking out the coverage:

  • 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.

Windsor Pet Insurance and Animal Shelters

  • Windsor/Essex County Humane Society – 1375 Provincial Rd, Windsor, ON N8W 5V8 – (519) 966-5751
  • Moggy’s Mission – 13161 Tecumseh Rd E, Windsor, ON N8N 3T4 – (226) 676-0330
  • Sphynx Canada Cattery – 1439 S Cameron Blvd, Windsor, ON N9B 3C8 – (519) 791-7922
  • Paws For Love Inc. – 333 Holden Ave, Windsor, ON N8X 2W6 – (519) 250-5882
  • Erie Wildlife Rescue Inc – 11168 Tecumseh Rd E, Windsor, ON N8R 1A8 – (519) 735-3919

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

Pet Insurance Terms

  • Co-insurance – This includes the part of the cost of the claim that the insured is responsible for. It is usually expressed in percentage and comes in after the deductible has been taken out.
  • Deductible – This is the agreed amount of the insurance claim that the insured will be required to pay before the insurance coverage will take effect. This may be charged per claim or per year.
  • Pre-existing condition – Medical conditions that the pet was diagnosed with before the start date of the policy is known as pre-existing conditions. Such conditions will not be covered by a Windsor pet insurance policy.
  • Breed exclusion – Depending on the pet insurance provider, some breeds of pets may be excluded from the coverage. In other words, medical conditions common to that breed may not be covered under the policy.

To learn more about pet insurance, click here.

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Windsor Pet Insurance FAQs


Does pet insurance go up if you claim?

Your Windsor pet insurance premium may likely go up when you make a claim. This depends on the insurance company, some insurers do not increase premium after a claim. However, it should be noted that the cost of insurance is generally on the increase.

Can I get pet insurance for older pets?

The risk of chronic and critical illnesses increases as pets age. In other words, older pets will require more treatments than younger ones. Most insurance providers do not cover older pets and when they do, they may charge higher premiums.

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

The waiting period of an insurance company determines the length of time you have to wait before making a claim. It should be noted that the waiting period varies from one insurer to the other but most have a waiting period of 14 days.

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

Several factors may affect the cost of pet insurance such as the pet breed, age and so forth. However, the monthly premium for pet insurance may vary from $10 to $100.

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

What to Ask Before Purchasing Pet Insurance

Asking the right questions can save you from making mistakes when purchasing pet insurance Windsor. Before making a claim, it is very important to have a good understanding of the coverage, how it works, what works and what does not work.

Some of the important questions to ask before taking out Windsor pet insurance coverage include:

 

  • 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 Windsor pet insurance, click here.

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