Terms change. Check the insurer’s policy before buying.
Best for
We could not verify enough distinguishing terms to say.
Who should skip it
- owners who want no yearly cap (verified limit: varies by plan: Bronze $2,000 per illness and $2,000 per accident per year; Silver $4,000 each; Gold unlimited illness and accident)
The verified terms, in plain English
- Underwriter: Petline Insurance Company (Compagnie d'assurance Petline) source
- Deductible type: annual source
- Deductible options: Dogs 0 to 4 years: $100, Dogs 5 to 9 years: $250, Dogs 10+ years: $350, Cats 0 to 4 years: $100, Cats 5 to 9 years: $150, Cats 10+ years: $200 source
- Reimbursement: Up to 80% headline; plan-specific percentages not stated source
- Annual limit: varies by plan: Bronze $2,000 per illness and $2,000 per accident per year; Silver $4,000 each; Gold unlimited illness and accident source
- Waiting period: accidents: 48 hours source
- Waiting period: illness: 14 days source
- Waiting period: orthopedic: 6 months for cruciate ligament injuries and intervertebral disc disease source
- Dental illness: Yearly cleaning and tooth and gum problems covered. Dental limit: Bronze $500 (optional add-on), Silver $700, Gold $1,000 source
- Wellness add-on: Preventive care included in Gold plan only source
- Multi-pet discount: 10% off with 3 or more pets; 15% off with 6 or more pets source
- How claims work: Submit through the client portal, by email, or by mail. Claims and service phone line: 1-855-343-9393 source
What we could not verify
bilateral exclusion, exam fees covered, curable pre-existing conditions, pays the vet directly, hereditary conditions, provinces not covered, money-back period
Worked example (modelled)
The worst single bill our cost index models for a Golden Retriever in Calgary is about $16,200 (a modelled estimate from published fee data, not a quote).
- At 80% reimbursement the insurer would pay up to $12,960 and you would pay $3,240, plus your deductible.
Its verified annual limit is varies by plan: Bronze $2,000 per illness and $2,000 per accident per year; Silver $4,000 each; Gold unlimited illness and accident; a bill above it is yours.
Deductibles, exclusions and waiting periods change what is paid. Check the policy wording.
See how we make money. We are not an insurance broker and this is not advice.