We love our pets and always want what’s best for them because they are family, too. We never want to see them hurt or injured, but sometimes, life gets in the way. Your beloved pet could end up sick or injured, and you’ll need to pay out of pocket to help them. When this happens, it will be helpful to have pet insurance.

What Is Pet Insurance?

Pet insurance is very much like health insurance for humans. There is a deductible that you have to pay before coverage begins, and then you pay a monthly or yearly insurance premium. When your pet gets sick or injured, you must pay upfront for the treatment. If the treatment is covered, you are then reimbursed afterward.

Is Pet Insurance Worth It?

The average annual routine veterinary care can cost CA$1,326 for puppies and CA$1,219 for kittens. Meanwhile, an average monthly spending amount on pet insurance can possibly range from CA$444 to CA$933. If you consider accident and illness costs, you will begin to see the advantages of pet insurance.

If your pet gets sick or into an accident, then coverage is very much worth it. If you have a breed that is particularly prone to certain illnesses, such as retrievers with hip dysplasia, you will definitely want to get accident and illness coverage with your pet insurance.

It should be noted that veterinary costs are not standardized across Canada, so even rough averages can vary. Information on the suggested fees by the Canadian Veterinary Medical Association (CVMA) for animal procedures is not available to the public.

What Does Pet Insurance Cover?

While there are many different kinds of coverage, the three most common types of coverage are known as Wellness, Accident, and Accident and Illness.

Wellness

Wellness typically includes vaccinations, tests and dental work. Wellness coverage usually has no deductible but does not cover illness or accident.

Accident

This type of coverage is for accidental injuries like poisoning, being hit by a car, cuts, etc. For example, if you leave your dog at a doggie daycare in Brandon, Manitoba, and they get bit by another dog, accident-only coverage will cover it. Accident-only coverage is usually what pet owners get when their pets are too old to apply for comprehensive coverage.

Accident and Illness

This coverage is the most comprehensive and applies to accidents as well as illness and disease.

Coverage Conditions

There are deductibles, co-pays, and annual or lifetime coverage caps. Most important to know is that pre-existing conditions are almost never covered. There could also be other expenses such as pre-insurance exams or annual care requirements.

Conclusion

If your pet is prone to sickness and injury, or if it is of a particularly sickly breed, then you should probably get pet insurance to cover it. Even if your pet is not particularly prone to sickness or injury, it’s still a good idea to at least look into your local pet insurance. You’ll feel more at ease, knowing that should anything happen to your pet, they’re insured.

Keep your precious pets protected in more ways than one, like getting dog grooming in Brandon, Manitoba! Contact The Paw Resort and Wellness Centre today to treat your furry friends. We offer multiple pet services at our 7,000 square-foot facility.