Why you need pet insurance in Ontario

It's important to consider medical pet insurance, as veterinary care can be very expensive and the need often crops up unexpectedly. A pet insurance policy can alleviate the stress and burden of making a decision for your pet's well-being, based on affordability. 

Emergency surgery can cost thousands of dollars- an awful predicament if you don't have the cashflow to afford a potentially life saving procedure for your beloved furry family member!

Do I really need insurance for my pets?

You will find many good reasons to buy pet insurance for your pet in the Oshawa, Whitby, Ajax or Pickering area, such as:

• Getting your pet the best possible medical care whenever needed
• Protecting your pocketbook against sudden and unexpected vet bills
• Potentially extending the life of your pet with the means to medically care for him or her
• Alleviating a stressful decision to end your pet’s life due to the unaffordibility of medical treatments
• Getting the best possible veterinarian for your pet
• No delay in urgent medical and routine care due to finances
• Improving the quality of your pet's life!

What is pet health insurance?

Pet insurance is similar to medical insurance for people, except the government does not fund it. It helps pay for expenses incurred from vet visits in Oshawa, Whitby, Pickering or Ajax and most policies offer convenient monthly premium payments.

What will my policy cover?

Typical pet policies can include coverage for

• Eye/Ear infections
• Bacterial Dermatitis
• Allergies (typically appearing on the skin)
• Gastroenteritis (usually from dietary indiscretion)
• Ingesting foreign objects
• Broken limbs
• Bladder infections
• Cancer
• Many other accident and illnesses

Are there different pet insurance options?

There are many different options for your budget and needs. The least expensive policy is generally for accident insurance, which would only cover vet bills due to injuries. A more robust policy could include broader accident and illness coverage, with higher limits.

Some policies may pay as much as 90% of charges, while others may pay 70%. Some policies have limits on illness or accident coverage, which might be as low as $5,000. A more expensive policy could have coverage limits up to $15,000/year.

Some pet insurance policies offer additional benefits like kennel fee coverage, and even advertising fees if your pet is lost. You may find some polices that provide death benefits, which pay a set amount for cremation or burial. A wellness plan can take care of routine vet bills, such as dental, neuter/spay, microchip, nail trimming, annual exam and vaccinations.

Next steps...

Monthly premiums are quite reasonable, however, with so many options it can be hard to decide which policy to go with. You're in capable hands with Best Buy Insurance Brokers, established in 1946! We’ll source and explain the best and most affordable pet insurance coverage options for your four legged loved ones! Fill out the form below and one of our experts will be in touch within a business day, with a free, no-obligation quote!

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