Terms change. Check the insurer’s policy before buying.
Best for
We could not verify enough distinguishing terms to say.
Who should skip it
- people in provinces it does not cover (not available in Quebec)
The verified terms, in plain English
- Underwriter: Northbridge General Insurance Corporation source
- Deductible type: annual source
- Reimbursement: up to 90% back, depends on pet age at enrollment and renewal source
- Exam fees covered: vet exam fees listed under accident and illness coverage source
- Hereditary conditions: covered under accident and illness, including hip dysplasia source
- Wellness add-on: Spot Preventive Care: routine dental, spaying/neutering, flea and heartworm prevention source
- Multi-pet discount: 5% for two pets, 10% for three or more source
- Provinces not covered: not available in Quebec source
- How claims work: Visit any licensed vet in Canada or US, pay the bill, submit claim online, by fax or email for cash back source
What we could not verify
deductible options, annual limit, waiting period: accidents, waiting period: illness, waiting period: orthopedic, bilateral exclusion, curable pre-existing conditions, pays the vet directly, dental illness, 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 90% reimbursement the insurer would pay up to $14,580 and you would pay $1,620, plus your deductible.
We could not verify an annual limit.
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.