I'm considering Pet Insurance now too.
I've found the following companywww.petcareinsure.comwww.vetinsurance.comhttp://www.pcinsurance.ca/ROCEN/PI.asp
and pet plan as mentioned above.
The petplan and PC ones doesnâ€™t really fit my needs and now Iâ€™m mainly thinking about petcare and vetinsurance. (btw Iâ€™m from canada too)
For the PC one, not only it has deductible, it also only cover 80% and cover even less as ur pet ages. Kinda sucks.
For Petcare, they have a lot of different plans.
Iâ€™m leaning towards the mastercare plans (only avaialbe to canadians) instead of quickcare plans (avail to US and canadians) as the mastercare plans could cover up to 100%. Illness is divided into 12 different categories in this company. (i.e. cardiovascular and respiritory system, nervous system) and thereâ€™s a LIFETIME limit on each category. $2500 for the chepast plan ($26 / month), $4500 for the next cheapest plan($35/ month) and $6000 for the most expensive plan($39/month). Thereâ€™s no deductible for illness, $75 deductible for accidents
It works quite differently. Itâ€™s $20 / month and has a lifetime limit of $15,000, including all kind of illness and accidents. However, they only cover up to 90% and you have to pay the exam fee for each visit to the vet. (they say on their website that itâ€™s around $60, I check with my vet, he charges $45 for exam fee). So itâ€™s really the nice way of saying a $60 deductible.
This is what I think:
-if you go to their affiliated vets, you donâ€™t have to pay upfront.
-Seems to be more well-known, Iâ€™ve seen their flyers at lots of shelter and vets office and a lot of online artilces recommanded them.
Iâ€™m really not certain if the $2500 LIFETIME limit is enough, Since they divided the illness in different categories, during my petsâ€™life or 15-20 years, she might have lots of different disease under a certain category (ie cardiovascular and respiritory system) and thus go over the limit.
-Lifetime limit of $15,000, no worries about going over the limit
-cheapter (only $20 / month if you enroll b4 age of 1)
-you have to pay exam fee everytime
-only covers up to 90%
-Iâ€™ve never read anything / heard anything about his company, itâ€™s relatively new company i believe
Iâ€™m still considering which one to go for, but Iâ€™m more for Vetinsurance.
Anyone has any experience with these companies? Please advise and share ur experience.
Thanks in advance!!!
*note* any existing conditions and any illness preventable by vaccinations won't be covered wtih ANY of these companies. so be prepared to give ur baby all the vaccines b4 u enroll.