FAQ

Frequently asked questions

How soon is my pet covered?

Accident coverage begins just 48 hours after your policy purchase; illness coverage begins after 14 days.


Back to top


Are hereditary or congenital conditions covered?

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.


Back to top


At what age can I insure my pet?

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.


Back to top


What is co-insurance?

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.


Back to top


What is the deductible?

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.


Back to top


Will you discontinue coverage when my pet gets older?

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.


Back to top


What is the difference between an Accident and an Injury?

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.


Back to top


Do I get a discount for two pets?

You will get a 10% discount for 3 or more pets. If you insure 6 or more pets, you receive a 15% discount.


Back to top


My pet is currently being treated for a medical condition. Will you cover this pre-existing condition if I take out insurance now?

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.


Back to top


Will you insure my 15 year old dog/cat?

Currently, we insure dogs up to 8 years of age and cats up to 10 years of age.


Back to top


What is a bilateral condition?

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).


Back to top


Will you pay my veterinarian instead of me?

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.


Back to top


Do I get a benefits card to show my vet?

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.


Back to top


How long does it take for claims to be processed?

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.


Back to top


Still have questions? Feel free to contact us. or see our Policy Wordings

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.


Need help finding a pet insurance plan for your pet? We can help with that. Chat with one of our experienced insurance advisor experts today.

Get in touch with someone on our customer care team! Monday to Thursday, 7 AM to 9 PM CST, Friday 7 AM to 8 PM CST, Saturday 8 AM to 7 PM CST


Petline Insurance Company is registered with L'Autorite des Marches Financiers to provide Property and Casualty insurance NEQ#: 1162197215

© 2019 CAA South Central Ontario. All rights reserved. Serving Members in Southern and Central Ontario.
® CAA trademarks owned by, and use is authorized by, the Canadian Automobile Association.

CAA Pet Insurance is underwritten by Petline Insurance Company. Certain conditions, exclusions and underwriting eligibility rules apply.
Please see Petline Insurance Company's Privacy Policy here.


Accessibility |   Terms of Use |   Complaint Handling Policy