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: $7,500, $15,000)
The verified terms, in plain English
- Underwriter: Northbridge General Insurance Corporation source
- Deductible type: annual source
- Deductible options: Dogs: $100, $200 or $300 (ages 0-5); $300, $400 or $500 (ages 5-10), Cats: $100, $200 or $300 (ages 0-5); $200, $300 or $400 (ages 5-10) source
- Reimbursement: 70%, 80%, 90% source
- Annual limit: $7,500, $15,000 source
- Waiting period: accidents: 48 hours source
- Waiting period: illness: 14 days source
- Dental illness: dental care excluded source
- Hereditary conditions: covered source
- Wellness add-on: Routine Wellness up to $260/year; Advanced Wellness up to $530/year source
- How claims work: Pay vet in full, submit online portal, email, mail or fax; average 15-20 calendar days; paid by direct deposit or cheque source
What we could not verify
waiting period: orthopedic, bilateral exclusion, exam fees covered, curable pre-existing conditions, pays the vet directly, multi-pet discount, 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 70% reimbursement the insurer would pay up to $11,340 and you would pay $4,860, plus your deductible.
- At 80% reimbursement the insurer would pay up to $12,960 and you would pay $3,240, plus your deductible.
- At 90% reimbursement the insurer would pay up to $14,580 and you would pay $1,620, plus your deductible.
Its verified annual limit is $7,500, $15,000; 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.