{"id":270,"date":"2016-09-16T11:32:49","date_gmt":"2016-09-16T18:32:49","guid":{"rendered":"http:\/\/blog.moonlightdogcafe.com\/?p=270"},"modified":"2026-04-08T17:00:46","modified_gmt":"2026-04-09T00:00:46","slug":"best-pet-insurance","status":"publish","type":"post","link":"https:\/\/www.moonlightpetstore.com\/pet-health-pet-nutrition\/dog-cat-health\/best-pet-insurance","title":{"rendered":"Best Pet Insurance in Canada: How to Minimize the Risk of Huge Vet Bills for Your Dog or Cat"},"content":{"rendered":"\n

Should You Get Pet Insurance or Self-Fund?<\/strong><\/h2>\n\n\n\n

A conversation with a customer recently spurred us to write on pet insurance. They had a pet insurance high monthly premium<\/strong>. Then their dog got sick. After paying the deductible (fixed amount you pay before you can get reimbursed)<\/strong>, they got reimbursed 80% of expenses. Soon after, the monthly premium for the pet went up by 30%. Typically, all pet insurance companies state there is no causation between your insurance claims and price hikes. However subsequently, the dog got sick again and the cost of their pet insurance jumped by another 23%. At the end, they were only covered for 10% and felt cheated. <\/p>\n\n\n\n

So, should you get pet insurance or self-fund? The answer depends on your tolerance for risk, your pet\u2019s breed\/age, and whether you prefer predictable monthly bills or saving for a \u2018just-in-case\u2019 catastrophe.<\/strong> y pet owners; self-funding keeps you in control but can leave you exposed to expensive bills for complex surgeries or cancer care. <\/p>\n\n\n\n

Below we break down how pet insurers actually work in Canada, the fine print you must read, and how three common providers compare in 2025.<\/p>\n\n\n\n

Pet Insurance Basics: A Simple Guide to Minor Accident Coverage in Canada<\/strong><\/h2>\n\n\n\n

We’ll use the example of our customer to explain how pet insurance works if you have rate increases and what the terminology is. <\/p>\n\n\n\n

<\/td>Beginning of Insurance:<\/u><\/strong><\/span><\/td>Middle of Insurance (30% increase):<\/u><\/strong><\/span><\/td>Insurance (23% increase) and covered at 10% of costs:<\/u><\/strong><\/span><\/td><\/tr>
Yearly Premiums<\/strong><\/td>$1200<\/span> premium per year paid by dog owner. <\/strong><\/td>$1560<\/span> premium per year paid by dog owner.  <\/strong><\/td>$1920<\/span> premium per year paid by dog owner. <\/strong><\/td><\/tr>
Example of a Minor Accident\/ Illness cost<\/td>$3000<\/td>$3000<\/td>$3000<\/td><\/tr>
Co-insurance<\/strong> <\/span>
(% not covered by insurance.)<\/strong><\/span><\/td>		80% reimbursed for treatment costs.
20% not covered by insurance = You pay $600<\/span><\/td>		80% reimbursed for treatment costs.
20% not covered by insurance = You pay $600<\/span><\/td>		10% reimbursed for treatment costs.
90% not covered by insurance = You pay $2700<\/span><\/td><\/tr>
Subtotal<\/strong><\/td>$2,400<\/strong><\/td>$2,400<\/strong><\/td>$300<\/strong><\/td><\/tr>
Deductible <\/strong><\/span>
(The fixed amount you pay yearly in addition to Co-insurance)<\/strong><\/span><\/td>		You pay additional $200<\/span><\/td>You pay additional $200<\/span><\/td>You pay additional $200<\/span><\/td><\/tr>
Total Reimbursement by Insurance company<\/span><\/td>$2,200<\/span><\/td>$2,200<\/span><\/td>$100<\/span><\/td><\/tr>
What you pay out of pocket this year <\/span>
(Yearly Premium + Co-insurance + Deductible)<\/strong><\/span><\/td>		1200+600+200 = $2,000<\/span><\/td>1560+600+200 = $2,360<\/span><\/td>1920+2700+200 = $4,870<\/span><\/td><\/tr>
Better off\/ (Worse off<\/span>) compared to paying for $3000 by yourself<\/strong><\/td>BETTER OFF by $1,000<\/strong><\/span><\/td>BETTER OFF by $640<\/strong><\/span><\/td>WORSE OFF by $1,870<\/strong><\/span><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

As long as the treatment costs are high and co-insurance and deductibles are low, maybe pet insurance is a really good idea.<\/strong><\/p>\n\n\n\n

Quick Comparison of 3 of the Best Pet Insurance in Canada<\/strong><\/h2>\n\n\n\n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
\"Moonlight<\/td>\n BCAA Pet Insurance<\/strong><\/td>\n Trupanion Pet Insurance<\/strong><\/td>\n Petsecure Pet Insurance<\/strong><\/td>\n <\/tr>\n
Underwriter<\/strong><\/td>\n Northbridge Insurance Corporation (via PTZ \/ BCAA) <\/td>\n Trupanion (United States-based insurer, Canadian policies underwritten by its operating entity) \u2013 **no payout limit**. <\/td>\n Petline Insurance Company <\/td>\n <\/tr>\n
Premium & Deductible<\/strong><\/td>\n $50.79 \/ month (Intermediate plan), deductible $200 (check policy for your province)<\/td>\n $127.19 \/ month (popular plan), deductible $200 (varies) *<\/td>\n $63.50 \/ month (popular plan), deductible $300 *<\/td>\n <\/tr>\n
Reimbursement Rate<\/strong><\/td>\n ~80%<\/td>\n 90%<\/td>\n 80\u201390% (depends on plan level)<\/td>\n <\/tr>\n
What\u2019s Covered<\/strong><\/td>\n Accidents & illness<\/td>\n Accidents & illness<\/td>\n Accidents, illness, diagnostics, surgery, medications, exam fees, some dental illness (plan dependent) <\/td>\n <\/tr>\n
Annual \/ Incident Limits<\/strong><\/td>\n Plan limit varies by level; check your policy<\/td>\n No annual, per-incident, or lifetime payout cap (\u201cUnlimited benefit\u201d)<\/strong><\/td>\n Limit varies by plan; refer to your Schedule of Maximums<\/td>\n <\/tr>\n
Waiting Periods<\/strong><\/td>\n Varies \u2014 confirm in your BCAA policy<\/td>\n Standard waiting periods apply**<\/td>\n 48 hr for accidents; 14-day illness; 6 months for dental, cruciate \/ IVDD. <\/td>\n <\/tr>\n
Pre-Existing \/ Exclusion Clause<\/strong><\/td>\n Pre-existing conditions excluded per \u201cclinical signs before coverage\u201d (see policy) <\/td>\n Pre-existing conditions are excluded; see policy for full definition<\/td>\n Pre-existing or \u201cforeseeable\u201d conditions excluded (clinical signs before coverage or in waiting period) <\/td>\n <\/tr>\n
Optional \/ Alternative Coverage<\/strong><\/td>\n Alternative therapies: $350\/year (varies by plan)<\/td>\n Offers optional benefits depending on plan selected<\/td>\n Alternative therapies covered (e.g. acupuncture, physiotherapy) when prescribed by vet <\/td>\n <\/tr>\n
Common Exclusions or Disadvantages<\/strong><\/td>\n \n \u2022 Pre-existing conditions exclusion is broad
\n \u2022 + Other plan-specific limitations\n <\/td>\n 		\n \u2022 Premiums may increase significantly with age or high claim experience (some pet parents report large hikes)
\n \u2022 Not all clinics participate in direct-pay (if applicable)
\n \u2022 Deductible structure varies\n <\/td>\n 		\n \u2022 6-month waiting period for cruciate, IVDD, dental
\n \u2022 Prescription or therapeutic diets *not covered*
\n \u2022 Pre-existing condition clause uses \u201cclinical signs\u201d definition \n <\/td>\n <\/tr>\n
Advantages \/ Perks<\/strong><\/td>\n Boarding reimbursement if you\u2019re hospitalized; lost-pet advertising compensation<\/td>\n Unlimited payouts; peace of mind for chronic \/ serious illness<\/td>\n Preventive plan option; dental illness coverage; alternative therapies; 48-hour accident waiting period<\/td>\n <\/tr>\n
Policy Paper \/ Sample<\/strong><\/td>\n BCAA Underwriters & Policy Info<\/a><\/td>\n Trupanion No Limit Policy FAQ<\/a><\/td>\n Petsecure Policy Wordings<\/a><\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n<\/figure>\n\n\n\n

How Premiums & Coverage Change Over Time \u2014 What Triggers Rate Hikes?<\/strong><\/h2>\n\n\n\n

Despite customers feeling like their premiums were jumping constantly due to their insurance claims, the truth may be a bit nuanced. Premiums can and do rise, but not usually because of your single claim. Insurers may change premiums due to portfolio experience, broader actuarial adjustments\u2014rising vet costs in your region, aging pets, and the insurance pool\u2019s claims history\u2014while complying with insurance regulations. As such, your claim might be contributing to portfolio increases and that may trigger the insurance rate hikes you may be facing. <\/p>\n\n\n\n

That said, if you file many claims, you may be moved to different underwriting categories or higher renewal bands. Insurers may also raise rates for pets entering higher-risk age bands. <\/p>\n\n\n\n

Key Questions to Ask Before Buying Pet Insurance in Canada<\/strong><\/h2>\n\n\n\n

Some people would wonder why pet insurance is more expensive than their monthly BC MSP healthcare. In Canada, healthcare is subsidized by the government out of taxes making it cheaper than private healthcare. <\/p>\n\n\n\n

Here are 2 questions to ask yourself before buying pet insurance. <\/p>\n\n\n\n

How Much Am I Willing to Spend on Emergency Care for My Dog or Cat?<\/strong><\/h3>\n\n\n\n

If you have a budget cap and are able to make difficult decisions during an emergency, then you may go with self-funding for your dog or cat. However, for some pet parents who would spend everything they have, insurance may be a preferable option of limiting your overall financial exposure. Pet insurance is about minimizing your financial risk. <\/p>\n\n\n\n

Is My Dog or Cat Likely to be Injured or Require Emergency Healthcare?<\/strong><\/h3>\n\n\n\n

This is a harder question to answer. Typically, dogs get into injury situations because they tend to be outdoors or in same cases more rambunctious. Indoor cats do not have the same risk profile as there are less external factors (hopefully) to cause injury. So in those cases, dogs tend to be a better candidate for insurance compared to indoor cats. <\/p>\n\n\n\n

However, the answer gets more complicated depending on balancing the following factors: <\/strong><\/p>\n\n\n\n

    \n
  • Type of pet and breed<\/em><\/em><\/strong><\/li>\n\n\n\n
  • Age of dog\/cat, <\/em><\/strong><\/li>\n\n\n\n
  • Propensity for illness\/ injury e.g. hip dysplasia, <\/em><\/strong><\/li>\n\n\n\n
  • Cost of the insurance, <\/em><\/strong><\/li>\n\n\n\n
  • Discipline in depositing funds into a doggy\/kitty account regularly, and <\/em><\/strong><\/li>\n\n\n\n
  • Probability of the insurance company to process claims promptly without denying them\/ increasing co-insurance or deductibles after claims. <\/em><\/strong><\/li>\n<\/ul>\n\n\n\n

    Finally, we define Pet Insurance as for Pet Accidents\/ Illnesses<\/strong>. Note that <\/strong><\/span>routine checks and vet’s consultation fees are typically Not covered.<\/span><\/strong><\/p>\n\n\n\n

    Policy Pitfalls: Pre-Existing Conditions, Breed Exclusions & Warranty Clauses<\/strong><\/h2>\n\n\n\n

    One of the biggest frustrations for pet parents shopping for insurance in Canada is how unclear<\/strong> policy exclusions can be. Most people sign up expecting peace of mind\u2014then discover during a claim that a condition wasn\u2019t covered after all. Here are the three areas where we see the most misunderstandings:<\/p>\n\n\n\n

    Pre-Existing Conditions (The #1 Claim Denial)<\/strong><\/h3>\n\n\n\n

    Every Canadian pet insurance company excludes pre-existing conditions\u2014but the definition varies widely.<\/strong> Some insurers only exclude conditions that were formally diagnosed before enrolment. Others use far broader language, excluding any \u201cclinical signs\u201d noted in vet records, even if there was no diagnosis at the time.<\/p>\n\n\n\n

    For example:<\/strong>
    If your puppy had mild itchiness noted at 4 months, future allergies might be excluded\u2014even if the cause was environmental or temporary.
    Limped once? Future knee or hip issues could fall under the umbrella of \u201cpre-existing.\u201d<\/p>\n\n\n\n

    Important:<\/strong>
    Many policies allow insurers to review all<\/em> medical notes for the 12\u201318 months before enrolment. Anything written down\u2014\u201cintermittent cough,\u201d \u201coccasional vomiting,\u201d \u201cslight luxating patella\u201d\u2014can be grounds for exclusion later.<\/p>\n\n\n\n

    This is why starting early, before any health issues appear, is often the only way to maximize coverage.<\/p>\n\n\n\n

    Breed Exclusions & Genetic Conditions<\/strong><\/h3>\n\n\n\n

    Some breeds are more predisposed to hereditary issues like hip dysplasia, IVDD, heart disease, or brachycephalic airway syndrome.
    Because of this, insurers may:<\/p>\n\n\n\n

      \n
    • Exclude hereditary or congenital conditions entirely<\/li>\n\n\n\n
    • Exclude certain conditions for specific breeds only<\/em><\/li>\n\n\n\n
    • Increase your deductible as your dog ages<\/li>\n\n\n\n
    • Raise premiums aggressively after a claim involving a hereditary condition<\/li>\n<\/ul>\n\n\n\n

      Commonly affected breeds:<\/strong>
      French Bulldogs, English Bulldogs, Dachshunds, German Shepherds, Dobermans, Retrievers, and any brachycephalic breed (Pugs, Boston Terriers, Shih Tzus).<\/p>\n\n\n\n

      Even when a policy says it \u201ccovers hereditary issues,\u201d read the fine print. Many only cover these conditions if no symptoms whatsoever<\/strong> were present before enrollment.<\/p>\n\n\n\n

      Warranty Clauses (The Hidden Trap You Might Miss)<\/strong><\/h3>\n\n\n\n

      These clauses require you to meet ongoing health-care obligations\u2014otherwise, your coverage can be denied. Most pet parents have never heard of them, but they\u2019re extremely common.<\/p>\n\n\n\n

      Warranty clauses usually state that you must:<\/p>\n\n\n\n

        \n
      • Keep vaccinations up to date<\/li>\n\n\n\n
      • Maintain parasite prevention seasonally<\/li>\n\n\n\n
      • Follow recommended lab tests (e.g., bloodwork)<\/li>\n\n\n\n
      • Follow treatment plans exactly as prescribed<\/li>\n\n\n\n
      • Attend scheduled rechecks<\/li>\n<\/ul>\n\n\n\n

        If you skip any of these, your insurer can deny a claim on the grounds that you did not \u201cmaintain the health of the pet.\u201d This is one of the most common reasons claims are denied for ear infections, dental issues, tick-borne illness, and GI problems.<\/p>\n\n\n\n

        A surprising example:
        If your dog develops worms or a tick-borne infection, and you skipped preventive medication, many insurers will deny the claim\u2014even for complications that require expensive treatment.<\/p>\n\n\n\n

        Bottom Line: Read Everything (Even the Boring Parts)<\/strong><\/h3>\n\n\n\n

        Pet insurance in Canada is helpful for major accidents and life-threatening illnesses\u2014but it isn\u2019t simple.
        Before you sign up:<\/p>\n\n\n\n

          \n
        • Request the full policy wording<\/strong> (not just the brochure)<\/li>\n\n\n\n
        • Review the pre-existing condition clause carefully<\/li>\n\n\n\n
        • Check whether your breed has additional exclusions<\/li>\n\n\n\n
        • Look for any warranty requirements you must follow<\/li>\n\n\n\n
        • Get written clarification from the insurer if something is unclear<\/li>\n\n\n\n
        • Always check waiting periods: typical accident waiting periods are 48\u201372 hours and illness waiting periods ~14 days. Pre-existing conditions are excluded \u2014 and the definition of pre-existing differs by insurer, so the timing of enrollment can make or break future claims<\/li>\n<\/ul>\n\n\n\n

          Pet insurance is valuable\u2014but only if you fully understand what\u2019s excluded before<\/em> you need to make a claim.<\/p>\n\n\n\n

          Comprehensive Review of the 4 Top Pet Insurance Plans in Canada<\/strong><\/h2>\n\n\n\n

          We decided to compare four of the top pet insurance companies<\/strong> and choose the \u201cmost popular\/ regular\u201d plan to give you an idea of what they cost and cover:<\/p>\n\n\n\n

            \n
          • Dog:<\/strong> Cleo (actually a cat’s name),<\/li>\n\n\n\n
          • Type:<\/strong> Staffordshire Bull Terrier (she eats like one at least)<\/li>\n\n\n\n
          • Age:<\/strong> 4 years (she thinks she’s a spring chicken)<\/li>\n<\/ul>\n\n\n\n

            Here are the comparables including exclusion info. We put the CONS first because most of what we’d want covered are more important than ‘nice’ little riders we don’t necessarily need. <\/strong>Note that most of the information for insurance is in their policy wording yet not everyone reads them before signing up. We tried to accurately capture them below based on our read:
            <\/p>\n\n\n\n

            \"\"<\/td>\t \n

            BCAA Pet Insurance<\/strong><\/span><\/p>\t \n<\/td>

            		Trupanion Pet Insurance <\/strong><\/span><\/td>\t \n

            Petsecure Pet Insurance <\/strong><\/span><\/p>\t \n<\/td><\/tr>

            Premiums and deductible<\/strong><\/td>$50.79 monthly on the Intermediate Plan Deductible based on dog’s age = $200.  <\/strong><\/td>$127.19 monthly on the most popular Plan. Deductible is $200. <\/strong><\/td>$63.50 monthly on the most popular Plan.<\/strong>Deductible is $300.<\/strong><\/td><\/tr>
            Coverage by insurance<\/strong><\/td>80% coverage<\/strong><\/td>90% coverage excluding examination fees and taxes.<\/strong><\/td><\/td><\/tr>
            What’s covered<\/strong><\/td>Accidents, illnesses<\/td>Accidents, illnesses<\/td>\u201c Hospitalization, Dental care (dental treatments and cleanings), Surgery, Diagnostics, Medication, Exam fees, Taxes\u201d<\/td><\/tr>
            Accident Coverage<\/strong><\/td>Up to $2,500 accident and illness coverage combined annually! Limit renews each year<\/td>90% of expenses, No limit.Since no sales taxes are covered, it may work out to about 80% of expenses.<\/td>Up to $2,500 per accident<\/td><\/tr>
            Illness Coverage<\/strong><\/td>Up to $2,500 per illness, per year<\/strong><\/td><\/tr>
            Alternative therapy coverage<\/strong><\/td>$350 per year<\/td>Additional alternative therapy costs $16.47 premium per month.<\/td>$350 per year<\/td><\/tr>
            Disadvantages of the Pet Insurance Plans <\/strong><\/span><\/td>\u00b7       The Annual Limit is very small and may not be sufficient <\/strong>for common injuries e.g. a back injury, torn ligaments (CCL) may cost over $5,000 including tests<\/td>\u00b7       High Monthly premium price<\/td>\u00b7       The Limit per accident or illness may not be sufficient<\/strong> for common injuries e.g. a back injury, torn ligaments (CCL) may cost over $5,000 including tests<\/td><\/tr>
            <\/td>\u00b7       Pre-existing conditions are excluded and are vague<\/u><\/strong> enough to include anything that with or without a confirmed diagnosis shows for your pet e.g. if your pet is itching a bit at 4 months for any reason and that is included in the vet’s notes, your pet may be excluded for allergies if that develops in the future. Cancer may fall under these conditions.<\/td>\u00b7       Pre-existing conditions are excluded<\/strong> where there are signs or evidence of their potential
            \t \nmanifestation existed within the 18 months<\/u><\/strong> prior to the Policy Enrollment Date and even if there are no medical records about potential signs incl. CCL, see policy sample Section 9 IV for more examples.<\/td>            		\u00b7       Pre-existing conditions are excluded and are vague<\/u><\/strong> enough to include anything that with or without a confirmed diagnosis shows for your pet e.g. if your pet is itching a bit at 4 months for any reason and that is included in the vet’s notes, your pet may be excluded for allergies if that develops in the future. Cancer may fall under these conditions.<\/td><\/tr>
            <\/td>\u00b7       Excludes expenses for cats showing clinical signs of FIP, FIV or FELV prior to the policy inception or during the waiting period<\/td>\u00b7       N\/A<\/td>\u00b7       Excludes expenses for cats showing signs of FIP, FIV or FELV prior to the policy inception or during the waiting period<\/td><\/tr>
            <\/td>\u00b7       Deductible rises as pet ages <\/strong>(which defeats the purpose of most of us getting insurance) i.e. for a dogo   Up to 5 years is $100 annual,

            <\/p>\t \n

            o   5- 7 years is $200 annual,<\/p>\t \n

            o   7-10 years is $400 annual and<\/p>\t \n

            o   over 10 years is $500 annual<\/p><\/td>

            		\u00b7       Not stated clearly in their documents but from personal experience as well as others we know using Trupanion, we’ve had rates and deductibles \u201ccoincidentally\u201d change when claims<\/strong> increased<\/td>\u00b7       Deductible rises as pet ages <\/strong>(which defeats the purpose of most of us getting insurance) i.e. for a dogo   Up to 5 years is $100 annual,

            <\/p>\t \n

            o   5-10 years is $300 annual<\/p>\t \n

            o   and over 10 years is $500 annual<\/p><\/td><\/tr>

            <\/td>\u00b7       Not stated clearly in their initial quotes but they can increase your co-insurance <\/strong>by 10% increments to a maximum of 50% if your pet falls into “risk management” category, which is a pet with ongoing claims.<\/td>\u00b7       N\/A<\/td>\u00b7       Not stated clearly in their initial quotes but they can increase your co-insurance <\/strong>by 10% increments to a maximum of 50% if your pet falls into “risk management” category, which is a pet with ongoing claims.<\/td><\/tr>
            <\/td>\u00b7       Don’t cover dental expenses under this plan<\/td>\u00b7<\/td>\u00b7       N\/A<\/td><\/tr>
            <\/td>\u00b7       Any change in your coverage means you have to state any pre-existing medical conditions as of your new policy – meaning if your pet developed a condition recently, it would not be covered under the new plan although it was under the old plan.<\/td>\u00b7       N\/A<\/td>\u00b7       Any change in your coverage means you have to state any pre-existing medical conditions as of your new policy – meaning if your pet developed a condition recently, it would not be covered under the new plan although it was under the old plan.<\/td><\/tr>
            Advantages of Pet Insurance Plans<\/strong><\/span><\/td>\u00b7       They pay for lost pet advertising (up to $250)\u00b7       If you are hospitalized for at least two days, they may pay for boarding for your dog. ($25 per day up to $500)

            <\/p>\t \n

            \u00b7       If you have to cancel or cut a holiday short because your pet suffered an “Accident or illness” they will pay for any travel and accommodation expense you can’t recover (up to $500)<\/p><\/td>

            		\u00b7       Cover congenital & hereditary conditions as long as they were not pre-existing before coverage started (Remember, as per their policy it states that the conditions cannot exist 18 months prior to the Policy Enrollment Date.)\u00b7       Hip dysplasia coverage is included in Trupanion’s core policy.

            <\/p>\t \n

            \u00b7       Cover hospital stays, while herbal treatment <\/strong>is at an additional monthly premium to the pet owner<\/p>\t \n

            \u00b7       Cover dental illnesses & injuries<\/p>\t \n

            \u00b7       Clear that your dog’s age, breed, gender, spay\/neuter status and vet costs can change cost of insurance<\/strong><\/p>\t \n

            \u00b7       Can pay your veterinarian directly so you don\u2019t have to pay out of pocket.<\/p>\t \n

            \u00b7       Pretty quick turnaround on claims in our experience.<\/p><\/td>

            		\u00b7       They pay for lost pet advertising (up to $1000 per accident)\u00b7       If you are hospitalized, they may pay for boarding for your dog. (up to $1000 per accident)

            <\/p>\t \n

            \u00b7       If you have to cancel or cut a holiday short because your pet suffered an “Accident or illness” they will pay for any travel and accommodation expense (up to $1000 per accident)<\/p>\t \n

            \u00b7       Cover the cost of any Treatment for the teeth and gums for preventive care or as a result of an eligible dental Illness ($300 per year)<\/p><\/td><\/tr>

            More info- Policy papers and sample<\/strong><\/td>http:\/\/www.caapets.com\/pdf\/pw_caa.pdf<\/a><\/td>http:\/\/trupanion.com\/canada\/-\/media\/files\/trupanion\/pdfs\/trupanion-sample-policy-2016.pdf?la=en-CA<\/a><\/td>http:\/\/www.petsecure.com\/pdf\/PW_PS.pdf<\/a><\/td><\/tr>
            Ratings from petinsurancereview.com<\/strong>Note that they make money by having people get quotes through their website. (trust the reviews with a grain of salt)<\/td>N\/A<\/td>\t \n\t \n\t \n\t \n\t \n\t \n\t \n\t \n
            Customer Ratings<\/strong><\/td>\t \n<\/tr>\t \n
            <\/td>\t \n60 days<\/td>\t \n1 year<\/td>\t \nLifetime<\/td>\t \n<\/tr>\t \n
            Rating<\/td>\t \n9.0<\/td>\t \n9.4<\/td>\t \n9.2<\/td>\t \n<\/tr>\t \n
            Count<\/td>\t \n31<\/td>\t \n792<\/td>\t \n4398<\/td>\t \n<\/tr>\t \n
            <\/td>\t \n<\/tr>\t \n<\/tbody>\t \n<\/table>\t \n

            http:\/\/www.petinsurancereview.com\/vetinsurance.asp<\/a><\/p><\/td>

            		\t \n\t \n\t \n\t \n\t \n\t \n\t \n\t \n
            Customer Ratings<\/strong><\/td>\t \n<\/tr>\t \n
            <\/td>\t \n60 days<\/td>\t \n1 year<\/td>\t \nLifetime<\/td>\t \n<\/tr>\t \n
            Rating<\/td>\t \n1.0<\/td>\t \n3.4<\/td>\t \n5.9<\/td>\t \n<\/tr>\t \n
            Count<\/td>\t \n1<\/td>\t \n16<\/td>\t \n115<\/td>\t \n<\/tr>\t \n
            <\/td>\t \n<\/tr>\t \n<\/tbody>\t \n<\/table>\t \n<\/td><\/tr>
            JUST IN CASE you are tempted by their Basic Plan because of the lower premiums, here are the Main Cons that you should consider-<\/td>Basic plan called COMPACT PLAN\u00b7       It won’t cover illnesses developed by drinking contaminated\/ stagnant water, which is a common accident that most dogs get into

            <\/p>\t \n

            \u00b7       They don’t state clearly upfront in your quote that joint\/arthritis issues are not covered<\/strong><\/p>\t \n

            \u00b7       They also do not cover soft tissue or muscle inflammation<\/strong><\/p>\t \n

            \u00b7       Do not cover any consequential damage as a result of any accident e.g. if your pet develops liver damage due to poisoning, future treatments of that liver damage will not be covered.<\/p>\t \n

            \u00b7       Vague on not paying for accidents due to your pet’s known behavioural problem.<\/strong><\/p><\/td>

            		 <\/strong><\/td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n

            <\/p>\n

            <\/p>\n

            Our Experience: Did We Keep Pet Insurance? (Real-world example)<\/strong><\/h2>\n

            <\/p>\n

            <\/p>\n

            We had pet insurance for Shinji but we did consider the option of banking that cash into an account for Shinji. Consequently, we used his bank account for his food, travel\/daycare, and supplies.<\/p>\n

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            \n
            \"Reviews<\/figure>\n
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            There had been times that we had considered taking him off insurance because the deductible or the premium had risen. However, we\u2019ve opted to stay with the insurance as he aged. Honestly, we are glad we have because routine surgeries can cost at least $1500 excluding tests. Even minor issues like taking out lumps to ensure they are not cancerous are expenses that a lot of pet owners will have to decide about. You\u2019d have to pick and choose what would be considered serious enough to warrant a vet visit.<\/p>\n

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            Therefore, whatever your decision, we\u2019d advise that you start early. This will give you time to grow decent savings by the time anything unfortunate happens. In the case of insurance, it will therefore ensure that you are covered for a wider range of issues. For adoptions, make sure to get the whole health history as this may probably impact the pre-existing clause.<\/p>\n

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            Quick Checklist: How to Choose the Right Policy for Your Pet<\/strong><\/h2>\n

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            Choosing pet insurance in Canada shouldn\u2019t feel like decoding a legal document. Here\u2019s a simple checklist to help you compare plans confidently and avoid common traps that cost pet parents thousands later.<\/p>\n

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            1. Start With the Real Coverage Limit<\/strong><\/h3>\n

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