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: $5,000, $10,000)
- people in provinces it does not cover (not available in Quebec or Nunavut)
The verified terms, in plain English
- Underwriter: GPIC Insurance Company source
- Deductible type: annual source
- Deductible options: $200 source
- Reimbursement: 80% source
- Annual limit: $5,000, $10,000 source
- Waiting period: accidents: 48 hours source
- Waiting period: illness: 14 days source
- Waiting period: orthopedic: 60 days (cruciate ligament conditions) source
- Bilateral exclusion: bilateral or associated conditions not covered; treated as pre-existing in later years source
- Exam fees covered: yes, exam fees covered (including sick visit exams) source
- Dental illness: dental tooth fracture covered; routine dental not covered source
- Hereditary conditions: breed-specific conditions covered source
- Multi-pet discount: 5% when a second pet is added source
- Provinces not covered: not available in Quebec or Nunavut source
What we could not verify
curable pre-existing conditions, pays the vet directly, wellness add-on, money-back period, how claims work
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 $5,000, $10,000; 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.