FAQs

Check out the Plans and Coverage page for more details. For additional information on your coverage, review your Policy Wordings.

You will pay your monthly insurance premiums. If your pet visits the veterinarian, you pay the full amount of the bill at the clinic, then submit the form to us. We’ll reimburse up to 80% of the costs, and you’ll be responsible for paying the co-insurance and deductible.

No! Neither will increase in response to the number of claims you make. Your deductible will change as your pet ages and becomes susceptible to more illnesses/injuries. Like with any insurance, inflation and other outside forces may result in premium increases over time.

Yes! Each of our plans has an annual dental coverage amount. There’s a six-month waiting period for dental coverage on all pets.

We do our best to turn around claims as quickly as we can! You’ll be notified by email on the day your claim is completed, and you can view the Explanation of Benefits in the Customer Portal. If you choose direct withdrawal, we can have your claim reimbursements deposited directly into your account, so you don’t have to wait for the mail!

Your deductible is an annual amount which must be satisfied by one or more claims with covered expenses. The co-insurance is applied first, and the deductible second. With our plans, you only pay your deductible once a year, no matter how many claims you make, and only if you need to make a claim.

We cover dogs and cats of all ages and the coverage does not change based on age. All we ask is that you provide us with your pet’s older pet test medical records before the policy underwriting is completed. This includes a complete exam, urinalysis and blood tests.

Co-insurance is the portion of your claim that you’re responsible for paying. It’s a way of ensuring that premiums remain affordable.

No, you can go to any licensed veterinarian clinic in Canada or the United States.

We do! Up to $350 per category, per year for treatments like massage, hydrotherapy, acupuncture, homeopathy and chiropractic; plus behavioural therapy and medical devices. You’re covered no matter which plan you choose!

As long as you stay enrolled with your pet insurance policy, your pet will stay covered! Every one of our plans provides renewable limits for accidents and illnesses throughout your pet’s lifetime.

With all four of our plans, there is a 48-hour waiting period for accidents and a 14-day waiting period for illnesses. You’ll have to wait six months for dental, cruciate ligament and IVDD coverage. Our preventative care coverage, which applies specifically to our Secure 4 plan, has no waiting periods.

We debit your monthly premiums starting on the day you enroll. Your payments going forward will be debited on the same day each month, unless you set a different day in your Customer Portal.

Yes, we do. We offer a multi-pet discount. When you sign up for 3 or more pets, you will receive 10% off your monthly premiums. When you sign up 6 or more pets, you will receive 15% off your premiums!

Sorry, pre-existing conditions aren’t covered. That’s something that applies with all other pet insurance companies as well. We consider a pre-existing condition to be something that occurred (or showed symptoms) before your pet started his or her policy, or during the waiting periods.

Please check the Policy Wordings or Summary of Insurance after signing up, as some excluded conditions on your policy may be reviewed for removal after a period of your pet being symptom and treatment free.

Yes, your waiting period will begin at 12:01 a.m. the day after your policy application is accepted by Pet Shield. Applicable waiting periods are:

• 48 hours for accidents
• 14 days for illnesses
• 6 months for cruciate ligament injuries or intervertebral disc disease
• 6 months for dental coverage