Accident coverage begins just 48 hours after your policy purchase; illness coverage begins after 14 days.
Yes, provided the pet is not showing clinical signs associated with the hereditary or congenital condition prior to the start of coverage or during the waiting period.
You may start your pet's insurance anytime after 8 weeks of age. We will insure your dog up to 8 years of age or 10 years for your cat.
Co-insurance is the percentage of treatment costs that you must pay before any applicable deductible is applied. We pay 80% of the cost of veterinary fees for accidents and illnesses. Co-insurance does not apply to the Compact Plan.
There is an annual deductible for the Intermediate and Luxury Plans. The Compact Plan has a deductible per incident.
Although your deductible will increase as your pet ages, your monthly premium will never increase due to the age of your pet or due to your claiming history.
CAA pet insurance will provide lifelong coverage as long as your premiums are up to date. Health care costs increase as your pet ages; to account for this, your annual deductible will follow the aging chart provided in our Policy Wordings.
An injury is physical harm or damage that occurs as part of normal activity. An accident is a known event involving an external force, or otherwise unexpected or unforeseen incident, causing injury.
You will get a 10% discount for 3 or more pets. If you insure 6 or more pets, you receive a 15% discount.
A condition which first occurred or showed clinical signs before your pet’s coverage started or within the policy waiting period, will be excluded from coverage.
Currently, we insure dogs up to 8 years of age and cats up to 10 years of age.
A bilateral condition is any condition affecting body parts of which your pet has two, one on each side of the body (examples: cruciate ligaments, ears or eyes).
Occasionally, unexpected circumstances such as emergency situations or high-expense procedures may necessitate special claim payment arrangements. A pre-authorization form must be completed by both the policyholder and the veterinary practice which is then submitted for our approval.
A health card is not needed when you take your pet to the vet. You are reimbursed for the treatment your pet receives and claim forms are available at your veterinary office or online here.
We process complete claims in an average of 5 business days. Depending on your preference, we will either mail you a claim cheque, or deposit the claim directly to your bank account! Don’t forget to send all itemized invoices along with your claim form.
Obesity is on the rise with our furry loved ones. If your pet is overweight it can reduce their quality of life and shorten their lifespan. Keeping your pet healthy, on a well-balanced diet, and physically active will ensure a long lasting life with your four-legged friend.