Canadian Members Pet Insurance

[Kodee]

If any Canadians have pet insurance would you mind letting me know which company and what plan. Kody will be here in....8 days and we have decided to get some form of insurance. For the first few yrs I want to insure against breed specific disease - and might drop down a level if health appears good to a lesser one.

Pet insurance is new to me as we didnt have it for our lab and on hindsight she never needed any medical treatment that would have paid anything into her care. But due to some illnesses that can creep up on Cavs I want good protection for the early yrs and realize you need to sign up before any apparant heredity diseases pop up. Thanks in advance

[judy]

sara (kosmo) is in Canada and she has one called Vet Insurance, which sounds good to me. They cover hereditary illnesses. You can read the details at
http://www.vetinsurance.com/shop.html

Several people here have PetCare. It covers hereditary conditions too. i chose it because i can get 100% coverage, no copay. That works best for me, though the premiums are high. They have several choices of coverage and benefits at different prices.
http://www.petcareinsurance.com/can/index.asp

[Kodee]

Thanks, that is great because I didnt know about Vetinsurance so I will follow your link!

Hopefully they are better than PetCare Canadian prices - now if I lived in the U. S. the price wasnt bad. Not fair!

[Kodee]

For any other Canadian out there, the link given to me for VetInsurance is great for cavalier owners here. The price is 29.80 a mth a lot cheaper with a 15,000 lifetime limit with no limit on any illness or accident. Cav related illnesses are covered off too. Boy that was my first easy decision outside of "yes lets get another dog!" Thanks again for the link as I hadnt heard of them and you just saved me $15 a mth - $180 yr - $500 in 5 yrs and if I keep it past that (I might reduce to a senior plan then) $1800 for 10 yr life! If you charged commission for your advice, think of the money you could have made!

[arasara]

LOL Glad you like the vetinsurance Kody - I snatched that one up too! I found it while searching the internet .. I did a lot of research before I made my decision and it came down to that being the best deal. If there's an accident you pay the $50 exam fee or whatever and then they pay 100% of the bill after that.. that's a relief huh?

[Kodee]

LOL Glad you like the vetinsurance Kody - I snatched that one up too! I found it while searching the internet .. I did a lot of research before I made my decision and it came down to that being the best deal. If there's an accident you pay the $50 exam fee or whatever and then they pay 100% of the bill after that.. that's a relief huh?

Yes I did notice the vet office visit fee at $60 I pay first - but I love the unlimited per illness/accident part so much with the $15,000 lifetime. Going into this breed "eyes open" knowing of potential health risk for me there is no question I want it. I dont have the extra cash lying about should heart, nervous system or knees give out. No matter how much I wanted to I'd be looking at having to loose a pet if seriousl medical costs happened more than once.

On another post for U.S. insurance questions a few members talked about putting the fee aside and using if necessary. I love that idea for those that can cover an illness if it creeps up earlier than what you have saved. For me that would be a risk because anything over what I had saved for pet health care couldnt be covered in an emergency. My lab didnt have insurance but then again if I had it, we would have used $0 of it - the picture of health for 15 straight yrs. My brothers lab this wk at 8 got diagnosed with cancer and his insurance paid for the tumor removal and testing to see grade - $1500 cost. On hindsight perhaps I was stupid with our lab as obviously luck was on my side with no health problems. But I'm not risking it with a this breed - the stats would not be in my favour.

ONE WEEK FOR BOTH OF OUR BABIES TO BE HOME I KNOW YOUR AS EXCITED AS ME!

[judy]

i really like those features of vetinsurance too. Good find sara, you always do good research on everything.

They promise that they will be available in the US in the near future and I'm on a waiting list for updates when it will be available. If i later sign up for it, you can tell them I referred you and maybe they'll give me a discount. Some companies do that. And i will tell them Sara referred me. For that matter, you can tell them Sara referred you since she already has them. They might give her bonus. I'm going to get a discount on my next verizon bill because my daughter signed up and told them i referred her. i think insurance companies sometimes do that.

[Kodee]

i really like those features of vetinsurance too. Good find sara, you always do good research on everything.

They promise that they will be available in the US in the near future and I'm on a waiting list for updates when it will be available. If i later sign up for it, you can tell them I referred you and maybe they'll give me a discount. Some companies do that. And i will tell them Sara referred me. For that matter, you can tell them Sara referred you since she already has them. They might give her bonus. I'm going to get a discount on my next verizon bill because my daughter signed up and told them i referred her. i think insurance companies sometimes do that.

That's a fine idea and I dont mind at all - Sara if vetinsurance does give you a discount for referral you should pm me your full name etc so I can do that for you.

[arasara]

Please be advised that they don't cover anything to do with hip displaysia but as far as I can see that doesn't seem to be a very common condition in the breed. I have heard of it happening, but I don't think it's as likely as, lets say, a luxating patallae.

Thanks for the references although I am not sure they take them?? I don't know. I am looking into adding little faithey now - not sure if I can change her name should we choose to do so after though..

I thought this was the best plan because they had no limitations per illness as you pointed out Kody - and although they don't cover hip displaysia I wouldn't be too concerned about it. If I had something like - let's say a GSD I would probably go for petcare.

Hope this helps!

[Kodee]

I am mostly concerned with SM (more drastic cases) and MVD. Without those two high risks and if I was getting a lab again, I'd go with PetCare -my sister has the $20 plan for basic coverage. Does Vet Insurance cover an MRI's if a vet feels its needed to diagnose either of those?

If you talk to them before me, still check if they do referrals as I'd be happy to. Also you might qualify for a second pet discount - some sites I saw did.