Pet Insurance FAQs

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  • How does pet insurance work?

    PC® pet insurance reimburses you for a large portion of your veterinary bills when you make a claim. You will pay your veterinarian upfront, submit your claim, and then receive your reimbursement by electronic funds transfer to your bank account, or via a claim cheque for the amount of any covered claim, in the mail.

  • What is a premium?

    The premium is the monthly cost of your pet's insurance policy.

  • What can affect my premiums?

    With PC pet insurance the premium is based only on the breed of your pet and where you live. The age of your pet does not affect your premium in any way. Due to inflation or rising veterinary costs, current premiums may increase over time.

  • Which veterinarian can I go to?

    Whichever veterinarian you and your pet feel most comfortable with! You are free to choose your veterinarian - and even change your veterinarian - without affecting your PC pet insurance policy.

  • What is a pre-existing condition?

    Any condition which first occurred or showed clinical signs (with or without confirmed diagnoses) before your pet’s coverage started is considered a pre-existing condition. Any injury or illness that happens during the waiting period (48 hours for accident and 14 days for illness coverage) will also be considered a pre-existing condition. Any pre-existing condition at the time the policy is purchased is excluded from coverage.

  • Can I still enroll my pet if they have a pre-existing condition?

    Yes, you can enroll, but the pre-existing condition may be excluded from the coverage. This means that you cannot claim any veterinary costs for the treatment of your pet's pre-existing condition.

  • How can I earn PC® points?

    When you pay for your PC pet insurance with your President's Choice Financial® MasterCard®, you'll get 20 PC points for every premium dollar paid.

  • What is co-insurance?

    When you make a claim, you pay a specified percentage of the cost of the treatment and applicable deductible and your insurance pays for the remaining part. Co-insurance ensures you are making informed, responsible decisions about the care of your pet. And by sharing in the care of your pet, you're also helping to keep your pet insurance premiums down.

  • What is a deductible?

    The deductible is the fixed amount that is deducted from your claim.

    For Value, Choice and Ultra plans purchased or renewed after August 1, 2012, you pay an annual deductible upon the first accident or illness claim made for the year. Once the deductible is satisfied, you don’t have to pay a deductible again for any additional illness or accident made in the same policy year. The amount of the deductible depends on the age of your pet. The older the pet, the more likely it is they'll need veterinary services. By paying a higher deductible when you need to make a claim, you're helping to keep your pet insurance premiums down.

    For Value, Choice and Ultra plans purchased or renewed before August 1, 2012, please review the deductibles schedule in your existing policy documents, or contact us at 1-877-723-7387 for a copy or questions.

    For customers with Accident plan coverage, you pay a deductible for each accident claim submitted.

  • How old does my pet have to be to enroll?

    Your pet must be at least 8 weeks old. If you have a senior pet (dogs 8 years old and older, and cats 10 and over), you'll need to provide veterinary records along with a recent physical exam before you can begin coverage.

  • Do I have to vaccinate my pet?

    This is best decided by your veterinarian. You need to keep up-to-date with any vaccinations recommended by your veterinarian; he or she will advise you which shots are required and how often.

  • Are regular veterinary check-ups required to maintain my pet's insurance?

    Your pet must have at least one veterinary check-up per year.

  • What alternative therapies are covered?

    PC pet insurance provides some coverage for the following therapies: chiropractic, massage, acupuncture, physiotherapy, hydrotherapy, and homeopathy. These remedies are not covered by the Accident plan.

  • When does coverage begin?

    Insured pets must be at least 8 weeks old. Once you've purchased PC pet insurance:

    * Accident coverage begins 48 hours from the policy effective date
    * Illness coverage begins 14 days from the policy effective date if the policy was purchased after August 1, 2012. If the policy was purchased prior to August 1, 2012 illness coverage begins 21 days from the time of purchase.

  • How do I make a claim?

    For important information about claims and 5 easy steps to making a claim, see all about claims.

  • How long do I have to file a claim?

    You must file your claim within 6 months after treatment.

  • What counts as an accident?

    For policies purchased August 1, 2012 or later, the definition of an accident is a known event involving an external force, or otherwise unexpected or unforeseen incident, causing injury independent of all other conditions.

  • What counts as an illness?

    Any sickness or disease that changes your pet's normal healthy state is considered an illness.

  • What does "selected" illnesses mean if you had enrolled in a plan prior to August, 2012?

    This applies only to certain plans purchased before August 1, 2012. Selected illnesses include the following 8 conditions which are common in pets: ear infections, eye infections, digestive problems, kidney & urinary tract problems, contagious infectious diseases, and cancer. Also included: arthritis and seizures in dogs, and feline asthma and diabetes in cats.

  • Where do I get my previous year's policy documents?

    There have been some changes to coverage for policies sold as of August 1, 2013, and the policy wordings on this website are only for these new policies. If you require a copy of a policy purchased prior to August 1, 2013, please contact our call centre at talktous@pet.pcinsurance.ca or 1-877-PCF PETS and we'll gladly send you a copy!

  • I renewed the old Value Plan. Which policy document do I use?

    You can refer to the policy wordings (original Value Plan effective August 1, 2013 or after) link available along the right side of the pet insurance home page.

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