Pet Insurance FAQs

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 claim cheque, for the amount of any covered claim, in the mail.

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

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. Current premiums may increase over time.

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.

If your pet has any medical condition, foreseeable condition, obvious symptoms, and injuries before you apply for insurance, it is called a pre-existing condition. Any injury or illness that happens during the waiting period (48 hours for accident coverage and 21 days for illness coverage) will also be considered 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.

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

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.

The deductible is the fixed amount that is deducted from your claim. You pay a deductible for each accident claim. For illnesses, you only pay an annual deductible if you make an illness claim - once it's covered, you don't have to pay a deductible again for any additional illness claims made in the same year.

The amount of the illness 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 - and only when you need to make a claim - you're helping to keep your pet insurance premiums down.

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 certain recent blood tests and the veterinarian's interpretation of them.

You need to keep up-to-date with any vaccinations recommended by your veterinarian. Your veterinarian will advise you which shots are required and how often. If you neglect to maintain the vaccination schedule, your pet may not be covered for some illnesses.

Your pet must have at least one veterinary check-up per year. If you neglect to keep up to date on these annual check-ups, your pet may not be covered for some illnesses.

PC pet insurance provides some coverage for the following therapies: chiropractic, massage, acupuncture, physiotherapy, hydrotherapy, and homeopathy.

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

* Accident coverage begins 48 hours from the time of purchase
* Illness coverage begins 21 days from the time of purchase.

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

You must file your claim within 6 months after treatment.

An accident is any injury caused by a sudden, unexpected and unintended external event. Some examples of accidents include: injuries caused by vehicles or other animals, swallowing foreign objects, and broken bones.

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

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.