Pet ownership is not something that can be handled by just anyone. Pets are not just animals who live in our house, they quickly become a part of our family. Just like a child, a pet also depends on us not only for food or shelter but also for emotional support and well-being, especially those who have pre-existing conditions. Hence, we must pick an insurance that suits their requirements the best and also helps us with the heavy expenses of adoption. Multiple insurance companies offer specialized plans that cater to all the needs of pets requiring special care due to prior health issues. This article brings you a detailed list of the best pet insurances for dogs with pre-existing conditions in Canada.
AKC Pet Insurance
The annual deductible options offered by AKC Pet Insurance are USD $100 – $1,000, the reimbursement percentage being 70% to 90%. It caters to both curable as well as chronic conditions after a year along with alternative therapies and behavioral conditions. The turnaround time for claims is 5 days and the minimum age limit will be 8 weeks. It also has a 180-day waiting period for cruciate ligament injuries and IVDD. The unlimited annual plan and flexible reimbursement options make it one of the best pet insurances for dogs with pre-existing conditions in Canada.
ASPCA
The annual deductible options offered by ASPCA are USD $100 – $500, the reimbursement percentage being 70% to 90%. ASPCA offers coverage for almost all the cured pre-existing conditions including dental and behavioral with no symptoms for over 180 days and also a 10% discount on multiple pets. The turnaround time for claims is 14 to 30 days and the minimum age limit is 8 weeks. It also provides coverage of alternative therapies making it another one of the best pet insurances for dogs with pre-existing conditions in Canada.
Spot Pet Insurance
The annual deductible options offered by AKC Pet Insurance are USD $100 – $1,000, the reimbursement being up to 90%. Spot Pet Insurance offers coverage for almost all cured pre-existing conditions including dental and behavioral with no symptoms for over 180 days and also a 10% discount on multiple pets. The minimum age limit is 8 weeks and the turnover time for claims is 14 to 30 days. Coverage of alternative therapies is also available making it one of the best pet insurances for dogs with pre-existing conditions in Canada.
MetLife Pet Insurance
The annual deductible options offered by MetLife Pet Insurance are USD $0 – $500, the reimbursement percentage being 70% to 90%. MetLife Pet Insurance offers coverage of pre-existing conditions including bilateral that began when your pet was already having an in-force policy with any other insurers. The turnaround time for claims is 10 days and there is no minimum age limit making it an excellent choice. It also offers many discounts and plans for multiple pets contributing to it being one of the best pet insurance for dogs with pre-existing conditions in Canada.
Figo Pet Insurance
The annual deductible options offered by Figo Pet Insurance are USD $100 – $1,500, and the reimbursement percentage is 70% to 100%. Figo Pet Insurance offers coverage for all pre-existing conditions with no symptoms for a year. It does not have any bilateral clause and also offers a discount of up to 15% for the members of Costco. The turnaround time for claims is 9 to 12 days and the minimum age limit is 8 weeks making it another one of the best pet insurances for dogs with pre-existing conditions in Canada.
Nationwide Pet Insurance
The annual deductible options offered by AKC Pet Insurance are USD $100 – $1,000, the reimbursement percentage being 50% to 70%. Nationwide Pet Insurance offers coverage for all pre-existing conditions with no symptoms for 6 months. It also does not have any bilateral clause and also offers plans for conditions that are hereditary without any additional waiting time. The turnaround time for claims is 9 to 12 days and the minimum age limit is 6 weeks making it a part of our list of the best pet insurances for dogs with pre-existing conditions in Canada.
USAA Pet Insurance
The annual deductible options offered by USAA Pet Insurance are USD $200 – $1,000, the reimbursement percentage being 70% to 90%. USAA Pet Insurance offers coverage for cured pre-existing conditions with no symptoms for a year. It also offers up to 25% discount for insurance from Embrace. The turnaround time for claims is 2 to 5 days with no minimum age limit.
Companion Protect
The annual deductible option offered by Companion Protect is USD $100, the reimbursement percentage being 90%. Companion Protect offers coverage for pre-existing conditions with varying waiting periods and covers injuries without any waiting time. The turnaround time for claims is 4 to 6 days. The minimum age limit is 8 weeks and the maximum age limit is 24 years 11 months. It does not increase the premium that you would have to pay based on the age of your pet and offers speedy claims making it another one of the best pet insurances for dogs with pre-existing conditions in Canada.
Trupian
The annual deductible options offered by Trupian are USD $0 – $1,000, and the reimbursement percentage is 90% to 100%. Trupian offers coverage for ongoing treatments for chronic disease, accidents, hereditary conditions, and diagnostic testing. The turnaround time for claims is 5 days and the minimum age limit is 8 weeks. It offers customizable reimbursement and deductible options along with fast claim service making it another one of the best pet insurances for dogs with pre-existing conditions in Canada.
Pet Plan Us
The annual deductible options offered by Us are USD $100 – $1,000, the reimbursement percentage being 70% to 90%. Pet Plan Us offers coverage for pre-existing conditions along with accidents, hereditary conditions, behavioral conditions, alternative therapies, and diagnostic testing. The turnaround time for claims is 10 days and the minimum age limit is 8 weeks. It does not have any payout limits and offers speedy claims making it another one of the best pet insurances for dogs with pre-existing conditions in Canada.
