Pet Insurance Programs

Like just about everything, veterinary costs are rising. The field of animal medicine has advanced rapidly in past decades allowing veterinarians to successfully treat conditions previously that were considered untreatable. With these advances comes an increase in veterinary care costs. It is estimated that North American pet owners now spend over $10 billion a year on healthcare for their pets.

More than one in three pets will need emergency veterinary treatment every year. Two out of every three pets will experience a significant health problem during their lifetime. Costs associated with your pet's health can quickly spiral into thousands of dollars - are you financially prepared for your pet’s future healthcare costs?

Pet insurance is a product that offers pet owners the opportunity to manage the unknown financial risk associated with their pet’s future healthcare costs through the payment of a simple, affordable monthly/annual payment (premium).

Pet Insurance gives you the peace of mind that goes with the knowledge that you can afford to provide your pet with the best veterinary care available at all times. Pet Insurance Programs usually offer a range of programs to cover your pet in all eventualities. Select the right coverage to decide which program is right for you and your pet.

Pet insurance helps you cover the rising costs of veterinary care, so you won’t have to choose between your pet’s health and your personal finances. You can choose from plans that cover injury, illness, and even routine preventive care, like annual check-ups, vaccinations, and dental cleanings.

How It Works

If your pet suffers an injury or illness, or if your plan covers wellness care, go to ANY licensed veterinarian in the U.S. or Canada and pay for the services.

File a a claim form along with any receipts to the insurance company.

Within about 15 - 21 business days, you will be reimbursed for 80% of covered allowable veterinary charges, after your annual deductible is met.

Major medical coverage for accidents and illnesses

• Vaccinations and routine care

• Prescriptions

• X-rays & lab fees

• Surgery & hospitalization

Common pet insurance exclusions
(items that may not be covered)

• Illnesses during the first 30 days of the plan

• Pre-existing and/or recurring illness or injury prior to the effective date, unless 180 days have past since cure and/or last treatment

• Behavioral Problems

• Holistic/Homeopathic/herbal supplies or treatment

• Acupuncture

• Chiropractic or rehabilitative therapies

• Costs of breeding/pregnancy

• Grooming and supplies

• Boarding

• Experimental procedures

• Organ transplants

• Elective procedures such as docking of tails, cropping of ears, removal of dew claws

• Time and travel to veterinary hospital

• Congenital and hereditary disorders

• Health certificates or vaccination tags

• Vaccinations other than those specifically covered in the plan

• Dental cleanings other than those mentioned in the Choice Plan

• Diagnosis, treatment or surgery related to Anterior Cruciate Ligament (ACL) or Cranial Cruciate Ligament (CCL) damage that occurs or is symptomatic within 12 months of the effective date of certificate.

• Multiple incidents (more than one) of foreign object ingestion in a 12 month period.

To help keep costs cown, select the maximum level of deductible to reduce the cost. Make sure you shop around, there are loads of different pet insurance policies available and you can half the cost if you do your homework.