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 Take a few minutes to understand how PC Financial pet insurance works and you’ll be well-prepared if you have to make a claim. Here are some important things you should know about:
co-insurance
When you make a claim, you are responsible for paying 20% of the cost plus the applicable deductible – you will be reimbursed for the rest. Co-insurance ensures you are making informed, responsible decisions about your pet's health and treatment.
the deductible
The deductible is the fixed amount that is subtracted from your claim. The amount of the deductible depends on the age of your pet.
Here’s how deductibles work with PC Financial pet insurance:
- for accidents, you pay the deductible for every claim
- for illnesses, you pay the deductible only once a year, even if your pet gets sick again within the same year – and if you have no claims, you pay no deductible!
how much you get back
The amount you get back is the total amount of your claim for covered costs minus co-insurance and deductible.
Here are examples of how a claim would be calculated for a pet under 5 years of age.
| for each accident claim |
| covered treatment cost |
$1,500 |
| co-insurance (you pay 20%) |
- $300 |
| SUBTOTAL |
$1,200 |
| deductible |
- $100 |
| TOTAL REFUND |
$1,100 |
| for the first illness claim of the year |
| covered treatment cost |
$1,000 |
| co-insurance (you pay 20%) |
- $200 |
| SUBTOTAL |
$800 |
| deductible |
- $100 |
| TOTAL REFUND |
$700 |
| for other illness claims in the same year |
| covered treatment cost |
$1,000 |
| co-insurance (you pay 20%) |
- $200 |
| SUBTOTAL |
$800 |
| deductible |
- $0 |
| TOTAL REFUND |
$800 |
exclusions
Some conditions may not be covered by your pet insurance policy. These are called exclusions. Some examples of exclusions are: pre-existing medical conditions, foreseeable conditions, obvious symptoms, and injuries that existed before you applied, or that happen after you purchase the insurance but before the coverage takes effect.
Here’s how you can avoid exclusions:
- insure your pet from an early age, before they develop health problems that may be excluded
- choose the plan you’ll stick with for your pet’s entire life – if you decide to upgrade later, you’ll have to re-apply and health problems that already happened may have a lower limit of coverage under the new policy or may be excluded from coverage altogether.
how to make a claim
Just follow these simple steps:
- Download a claim form and bring it with you to the veterinarian's office.
- Discuss the diagnosis with your veterinarian so that you can decide on the treatment that is best for your pet.
- Pay the veterinary bill in full and get a receipt.
- Ask the veterinarian to fill out their portion of the claim form and you fill out the rest. Both of you must sign the form.
- Make a photocopy of your receipts for your records, attach the original receipt(s) to the claim form and mail your claim to:
SecuriCan General Insurance Company
Attn: Claims Dept.
200-1200 Portage Avenue
Winnipeg, MB R3G 0T5
receiving your claim cheque
Your claim should be processed in 5 business days from when we get all the necessary documents.
questions about your claim
Call 1-877-PCF PETS (723-7387).
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