Terms change. Check the insurer’s policy before buying.
Best for
- owners who want sick-visit exam fees covered
- owners worried about dental disease
Who should skip it
- owners who want no yearly cap (verified limit: Illness $2,500 per condition per year; accident $2,500 per accident; dental $300 per year; alternative therapy $350 per year; medical devices $350 per year)
- people in provinces it does not cover (Not offered outside BC, AB, ON, QC, NB, NS and PEI (per home page))
The verified terms, in plain English
- Underwriter: Petline Insurance Company (not Sonnet Insurance Company) source
- Deductible type: annual source
- Reimbursement: Up to 80% of the vet bill source
- Annual limit: Illness $2,500 per condition per year; accident $2,500 per accident; dental $300 per year; alternative therapy $350 per year; medical devices $350 per year 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
- Exam fees covered: Yes, covered as part of the vet bill reimbursement (up to 80%) source
- Dental illness: Covered when needed due to illness or trauma, including cleanings and tooth or gum problems, up to the $300 yearly dental limit source
- Provinces not covered: Not offered outside BC, AB, ON, QC, NB, NS and PEI (per home page) source
- How claims work: Pay the vet in full, get the claim form (from your account or the vet), then send the form and receipts by online upload, email or mail. Filing deadline: 6 months after treatment. source
What we could not verify
deductible options, bilateral exclusion, curable pre-existing conditions, pays the vet directly, hereditary conditions, wellness add-on, multi-pet discount, 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 Illness $2,500 per condition per year; accident $2,500 per accident; dental $300 per year; alternative therapy $350 per year; medical devices $350 per year; 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.