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Pet insurance, specifically cat insurance in Ontario, is an excellent investment for caring for your pets. Cat health insurance helps reduce the impact of high financial costs of treatment, surgery, and other expenses, which can become expensive, even with routine veterinarian appointments.
It’s a great way to achieve peace of mind if your cat becomes injured or ill unexpectedly.
Owning a pet is expensive in Canada, making it essential to compare cat insurance rates and various types of pet insurance for cats. Dogs and cats are among the most common pets in Canada, and the average annual expenses range between $3,000 and $4,000.
While day-to-day expenses are not too costly, such as food, toys, bedding, water, and accessories, veterinarian costs make up most of the expenses associated with having a pet.
It’s essential to research various pet insurance companies in Ontario and across Canada, to get an idea of what they offer, including competitive rates, deductibles, special rates, and plans for various pet owners.
This pet insurance provider offers two plans for pets: accident and accident and illness coverage. Pets Plus Us Pet Insurance offers a significant discount or a preferred rate for Costco members, approximately 10 to 15%.
The amount of deductible you’ll pay depends on your cat’s age, and the coverage offered is a maximum of $15,000 annually.
The company offers a decent reimbursement amount of between 70 to 90%, based on the plan you choose and the procedure, treatment, or medication required for your pet. It’s important to note that Pets Plus doesn’t cover pre-existing conditions.
This insurance company is considered one the best cat pet insurance in Canada. Petsecure Pet Insurance offers four different levels of coverage, which starts with a minimum of $1,000, up to unlimited, which includes extra protection for wellness.
This provider was founded in 1989 and offers impressive reimbursement rates and coverage, which includes dental coverage of up to $600 annually and up to 80% reimbursement for exam fees. The payout for an accident or a specific medical condition starts from $1,000 to an unlimited amount for each incident.
There are no age limits for your pet when you choose to enroll them, and if you have several cats, there are discounts of up to 15% in total if you have three or more pets insured for care. The only drawbacks of this insurance plan?
There is no coverage for pre-existing conditions, pregnancy, special diets, elective treatments, spaying or neutering your pets, or alternative treatments or medications (with some exceptions). It’s essential to review the pet insurance policy to ensure the criteria and coverage meet your cat’s needs.
One of the leading pet insurance companies in North America, Fetch Pet Insurance was established in 2003, which provides excellent features for the best cat insurance, which includes a 15-day waiting period for illnesses, alternative therapies are included in the plan, no maximum age limit to enroll your pet, and up to 90% reimbursement, which is ideal for pet owners.
It’s an affordable plan, which costs approximately $25 monthly for cats, and about $35 for dogs. You’ll have access to customer support 24/7, and there are a variety of plans available to choose from based on your cat’s individual needs.
It’s one of the best pet insurance for cats in Canada, and since 2020, the company has partnered with a media firm, The Dodo, which specializes in animal news and stories. The only downside of this coverage is there are no provisions for pre-existing conditions, cosmetic procedures, or wellness care. It’s available throughout Canada, except for Quebec and New Brunswick.
This company offers the best cat insurance in Canada for many pet owners. Trupanion opened around 2000 and offers up to 90% reimbursement for medical and related expenses once you pay the annual deductible. One of the most unique features of this insurance provider is that there is no payout limit and no cap. Trupanion Pet Insurance was initially based in Vancouver, and the company’s previous name was Vetinsurance.
This provider has many great features, including 24/7 customer service, a 5-day waiting period for injuries and up to 30 days for illnesses, unless waived by a veterinarian, a lifetime for each condition deductible, and coverage is lifelong for animals under the age of 14 years.
If you have basic pet coverage, Trupanion offers extended care pet insurance for additional expenses and needs. The amount you’ll pay in deductibles ranges from zero up to $1,000.
When you opt for extra coverage, called the “Recovery and Complementary Care” plan, you’ll have access to more services for your cat, including chiropractic treatment, naturopathy, hydrotherapy, alternative therapies, acupuncture, and other approved treatments.
Another great feature Trupanion offers is vet-direct pay, which means you don’t have to pay the total cost upfront; instead, you can pay just the portion not covered by your pet insurance plan. There are a few items that the company doesn’t cover, such as wellness care, exam fees, and pre-existing conditions.
This pet insurance provider is fairly new, having been established in 2021. It’s a Canadian-based company run by a group of experts with over two decades of experience. The company covers up to 80% of medical costs, and you’ll have access to up to $20,000 in coverage annually, and this amount renews every year.
There are a few great features that Furkin Pet Insurance provides, including three different types of annual deductibles, all of which are flexible, have no lifetime limits on certain conditions (subject to eligibility), and coverage is a lifetime on pets that are below the age of 14 years old.
If you consider Furkin Pet Insurance for your cats, your pet must be between 7 weeks and 14 years old, and it’s important to review the insurance coverage conditions.
This pet insurance doesn’t cover chronic or uninsurable conditions, pre-existing conditions, and veterinary fees that are considered unreasonable. It’s important to consider that the policy includes a 14-day waiting period for illnesses, a 48-hour waiting period for accidents, and up to 180 days for specific conditions, such as cruciate ligament conditions.
You’ll find many excellent pet insurance plans, including some of the best cat insurance in Canada, on Reddit, social media, and through an online search, where you can find lots of reviews and benefits for each insurance provider.
It’s crucial to research which providers offer the best options for your cats and their unique health needs before you purchase a plan. Fortunately, most pet insurance plans are inexpensive for cat owners.
Make your money do more.
Offers shown here are from third-party advertisers. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.
Cat insurance is usually inexpensive, starting at approximately $25 monthly. If you add more services or coverage for your pet, you can expect to pay $30 or more.
Our top choices in this article are among the best for cat owners, though you’ll find the ideal option is based on your pet’s needs and health.
You’ll want to consider many factors, including your pet’s breed, age, health, specific needs, budget, and dietary requirements. Comparing rates and determining which insurance provider and plan is best for you is beneficial. When you review each insurance coverage plan, it’s crucial to read the details of deductibles, coverage limits, what’s included in the plan, premiums, and exclusions.
A guide to cat insurance essentials
