Terms change. Check the insurer’s policy before buying.
Best for
- owners who want sick-visit exam fees covered
Who should skip it
- owners who want no yearly cap (verified limit: $20,000 per year, less any deductible)
- people in provinces it does not cover (Quebec, Nunavut)
The verified terms, in plain English
- Underwriter: GPIC Insurance Company (sold by Canada Pet Health Insurance Services, Inc. dba Furkin) source
- Deductible type: annual source
- Deductible options: Three options (A/B/C). Dogs under 5: $100 / $300 / $750, Dogs 5 to 10: $300 / $500 / $950, Dogs over 10: $500 / $700 / $1,150, Cats under 5: $100 / $300 / $750, Cats 5 to 10: $200 / $400 / $850, Cats over 10: $300 / $500 / $950 source
- Reimbursement: 80% of eligible costs (owner pays the other 20%) source
- Annual limit: $20,000 per year, less any deductible source
- Waiting period: accidents: 48 hours source
- Waiting period: illness: 14 days source
- Waiting period: orthopedic: 180 days for cruciate / knee conditions source
- Exam fees covered: Yes, sick-visit exam fees covered with taxes, for an eligible accident or illness source
- Dental illness: Dental tooth fractures covered for eligible accidents and illnesses source
- Hereditary conditions: Covered, subject to certain sub-limits source
- Wellness add-on: Not currently available source
- Multi-pet discount: 5% automatic discount when insuring more than one pet source
- Provinces not covered: Quebec, Nunavut source
- Money-back period: 30 days from the policy start date source
- How claims work: See the vet and pay the bill, then file a claim (the vet office can also send it in). Reimbursement goes by direct deposit. Claims filing deadline not stated. source
What we could not verify
bilateral exclusion, curable pre-existing conditions, pays the vet directly
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 $20,000 per year, less any deductible; 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.