You’re the best pet parent a cat or dog could ask for. You are always ready for a good hug, you keep the candy cupboard full and you never miss a walk or a belly massage. But how ready are you to cover a heavy veterinarian bill (or a whole stack) if your baby needs a small supplement?

This is where pet insurance comes in. Not only can it have your (pet’s) back in case of an accident or illness, but some policies even cover preventative treatments and dental care. Pet insurance can give you the financial means to choose the very best in veterinary care without having to worry about breaking your piggy bank.

Want to know if pet insurance is right for you and your furry friend? Some of the most common pet insurance questions are answered here to help you decide for yourself.

What’s covered by pet insurance?


While pet health insurance plans differ by provider, they’re all designed to protect precious pups or cuddly kittens when they need it most. A few common coverages include:

  1. Accident and illness coverage for when the unexpected happens. This may include injury treatment, diagnostic services, x-rays, surgeries, day-to-day hospitalization, etc.
  2. Tests and medication to help Max get well when he’s feeling under the weather. This coverage can include medical exams, tests (like MRIs or CAT scans, for example), and even prescription medication.
  3. Dental coverage to keep Kitty’s pearly whites nice and healthy. This can include annual cleaning or unexpected problems with your pal’s teeth or gums.
  4. And benefits to support you too. This can include coverage for kennel fees if you’re in the hospital and can’t take care of your pet, holiday cancellation coverage if you miss a trip because your pet needs emergency care, “lost pet” advertising if your puppy runs away, and cremation or burial costs.

some policies even include preventive care (such as vaccinations and yearly checkups) and additional services such as acupuncture, massage, and behavioral therapy.

What’s not covered by pet insurance?


Just like many personal health insurance policies, pet insurance doesn’t cover pre-existing conditions — so if your cat or dog is showing symptoms of illness before your coverage starts or during any waiting periods, know that the treatment of this disease will not be covered.

Other issues that aren’t typically covered by pet insurance include breeding, pregnancy, birth, and elective procedures like tail docking, ear cropping, spaying, and neutering.

What if my pet’s breed is prone to health problems?


Certain breeds of cats and dogs are more prone to health problems than others. But not to worry — pet insurance generally covers hereditary problems like hip dysplasia or ear infections as there are no symptoms before you register.

How much does pet insurance cost?


Just like your own insurance, the cost of your pet’s insurance will depend on many factors, including its age, breed, typical vet costs, and your chosen level of coverage. When your pet needs care, the last thing you should worry about is deciding between what’s right for your pet and what’s easier on your bank account. Certain plans with higher limits, lower deductibles or broader coverage can also come with higher premiums, you can find that the extra coverage pays off in the long run. Canadians have a lot of pet insurance options — deductibles, copayment options, and premiums vary from provider to provider – so think about the details of each plan and choose the type of coverage that suits your pet.

Your best friend deserves the best protection — and that’s why we’re proud to welcome Petline Insurance to the Economical family. as the first and only licensed insurance company in Canada to focus solely on pet health insurance, Petline has been providing innovative coverage options through his number one brand, Petsecure, for over 25 years.