It's hard to know what's going through your cat's mind when it attacks your plants or your dog chases a squirrel. Of course, having a dog or a cat can be unpredictable, and pet insurance exists to protect your furry friends.
Unlike life insurance, pet insurance will not pay you a premium in the event of your death as it does when an individual is insured. Although the loss of your pet may cause you to grieve, there are very few costs associated with the death of your pet, so there is no premium to pay in the event of death.
With pet insurance, illness, dental care and injuries are covered by your coverage. This ensures that you do not pay more than you should for your pet.
Your insurance policy will be renewable annually depending on the age and health of your pet.
The cheapest insurer may vary from year to year, but finding cheap home insurance can be difficult for certain profiles of policyholders considered "at risk" such as a young owner.
Dental care: The cost of routine dental care such as cleaning as well as treatments to your pets' gums and teeth will be covered.
Alternative therapies: Homeopathy, massage therapy, hydrotherapy, acupuncture, chiropractic, physiotherapy. These alternative therapies that your veterinarian may recommend are often covered!
Behavioral therapies: Many animals suffer from behavioral problems such as separation anxiety or aggression. Again, these therapies are frequently covered.
Canine and feline boarding fees: In the event that you become ill, some insurers will cover the cost of boarding.
Routine care and annual exams: Whether it's routine exams, blood work, screening tests, monitoring medications or vaccines, check to see if your pet insurance covers this care.
Your policy will usually offer a total reimbursement amount for accidents (with the best coverage usually offering an unlimited amount), a reimbursable percentage for medical exams and a reimbursable amount for dental care.
As with any insurance, a pre-existing condition will not be covered, nor will an intentional accident caused to the animal.
In addition, pregnancy, spaying or neutering and any treatment not prescribed by a veterinarian will not be covered by your dog or cat insurance.
Pet insurance costs vary depending on many factors such as the age of your pet, its species, breed and where you live. The cost of veterinary fees in Canada will affect the amount of your insurance premiums.
For example, an insurance policy for a Montreal resident with a 2 year old Labrador would cost between $30 to $100 per month depending on the plan chosen.
In the case of cat insurance, the premiums are generally a few dozen dollars less per month.
Often, insurance for dogs and cats is even faster to obtain than for an individual. With your zip code, your pet's age and breed, you can get an estimate of how much your pet insurance policy would cost.
Like any insurance, it's hard to say whether it will ever pay off for you. However, pet insurance offers you the same promise as every insurance product: peace of mind.
After all, any pet owner knows how expensive vet visits can be. Pet insurance could save you money over time. Considering how many pet owners resort to euthanasia due to lack of money, pet insurance could be helpful in avoiding any difficult choices.
It's hard to predict, but most pet insurance policies cover illnesses that last for several years. This could be a real advantage.
While this may or may not reflect its usefulness, only 1% of Canadians have pet insurance, while pet owners in Great Britain and Sweden have 50%.
Curious about pet insurance? Don't hesitate to contact one of Emma's insurance specialists who can answer your questions and direct you to the right tools!
Quality pet insurance coverage at a great price, chosen according to your needs, that's what Emma Insurance offers.
Get a free online pet insurance quote to find out about competitive prices. Enjoy low cost pet insurance and many other benefits.
Fill out a free pet insurance quote and receive several quotes.