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When you think of the Canadian Automobile Association (CAA), the first thing that comes to your mind is probably not pet insurance — but if you have a furry family member, CAA actually has a lot to offer. For starters, you can bundle your insurance and usually, get a lower price cumulatively. CAA is a fairly well-rounded insurance brand, with a portfolio extending to the pet insurance industry. Of course, there is no shortage of competition in the insurance industry, with every company working on offering the best product at the lowest price. To figure out if CAA pet insurance is right for you, it’s important to learn about what they offer. 

Find out if you should work with a insurance agent or a insurance broker.

Who Is CAA Pet Insurance? 

Available to residents of Ontario, the Atlantic provinces, and British Columbia, CAA pet insurance offers three types of pet insurance plans. Its plans are comprehensive and have the proven backing of CAA. This well-reputed business has an A-plus rating on the Better Business Bureau, despite not being directly accredited. Though it was originally a roadside emergency resource, it evolved into a strong financial foundation. Now, an offered product is pet insurance, offering coverage exclusively to cats and dogs. 

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CAA Pet Insurance Coverage

Depending on how much coverage you want, and how much you are willing to spend, there are three different plans you can choose from, each with its own perks and parameters. To find the best option, it’s best to understand each tier and identify the top option for your needs. 

Compact Plan

The most affordable plan, it covers the full cost of vet fees in the event of accidents. With reasonable premiums paid monthly, this extends exclusively to accidents. Illness is not covered within this tier. It covers up to $2,000 per accident, renewing after each separate incident. Under the special coverage section, it offers $350 every year for medical devices and a separate $350 for alternative treatments. In terms of extra benefits, this plan is the most basic with $500 per incident for holiday cancellation, $75 for prescription food and $250 for lost pet advertising and rewards, re-upping after each incident. 

Don’t know what kind of insurance policy you should get? Learn more about insurance basics.

Intermediate Plan

Designed to be the middle ground between the budget and premium option, this insurance is for both accidents and illnesses. It covers up to $2,500 annually, though it also offers special coverage benefits. For each category: alternative treatments, behavioural treatment, and medical devices, the plan offers $350 annually. It covers 80 percent of vet fees for both illness and injury, though these treatments are subject to the above-noted cap. In terms of the extra perks, the added benefits include all the perks from the compact plan, plus $250 for boarding kennel costs. 

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Luxury Plan

This is easily the most comprehensive plan, covering 80 percent of vet fees for illness and accidents, up to an annual cap of $4,500. It also offers $200 for dental coverage. While that may not be enough to address an existing concern, it is sufficient for preventative treatment. The special coverage under this plan is identical to the intermediate plan, with extra available funds for alternative and behavioural treatments, as well as medical devices. The extra benefits of this plan cover the same issues as the intermediate plans, though for holiday cancellation, the coverage is set at $1,000, $300 for lost pet advertising and $500 for boarding kennel fees.

Check out more pet insurance companies in Canada.

CAA Pet Insurance Coverage Overview

The pet insurance tiers are all fairly similar, though the specs are unique to each option. Broken down as follows, picking the right coverage means identifying your most likely needs and picking a plan that will buffer those costs. 

FeatureCompact IntermediateLuxury
Accident100% up to $2,000 per incidentUp to $2,500 yearly combined with illness protection, 80% coverageUp to $4,500 yearly combined with illness protection, 80% coverage
IllnessNo coverageUp to $2,500 yearly combined with accident protection, 80% coverageUp to $4,500 yearly combined with accident protection, 80% coverage
DentalNo coverageNo coverage$200 per year
Alternative treatments$350 per year$350 per year$350 per year
Behavioural therapyNo coverage$350 per year$350 per year
Medical devices$350 per year$350 per year$350 per year
Holiday cancellation$500 per incident$500 per incident$1,000 per incident
Prescription food$75 per year$75 per year$75 per year
Lost pet ads and reward funding$250 per incident$250 per incident$300 per incident
Boarding kennel costsNo coverage$250 per incident$500 per incident

Will Your Premiums Go Up As Your Pet Gets Older?

Yes, as your pets age, the cost increases. Because it is more expensive to care for pets as they get older, the company accounts for the difference. Using a fixed chart and well-established underwriting, the plans get more expensive as pets get older. The chart is straightforward, though, differing based on whether your pet is a canine or feline. 

Canine Deductible Chart

Age (in years)Cost per incident on Compact PlanCost per incident on Intermediate and Luxury Plans
Under 5$50$100
5 – 7$50$200
7 – 10$50$400
Over 10$50$500

Feline Deductible Chart

AgeCost per incident on Compact Plan Intermediate and Luxury Plans
Up to 7$50$100
7 – 10$50$150
Over 10$50$250

Benefits of CAA Pet Insurance

Depending on your pet’s breed, it may be more vulnerable to certain genetic conditions. Certain dogs have respiratory issues due to snout concerns while others are predisposed to hip dysplasia. Particularly if your pet is vulnerable to issues, it’s important to familiarize yourself with the insurance underwriting that addresses this. 

Through CAA, the issue will be covered, provided the problem did not manifest prior to your coverage kicking in. It’s worth noting that, if you expect your pet to have issues of this nature, it is wise to optimize the illness insurance. The $4,500 annual illness coverage of the luxury plan is likely best. Paying only 20 percent out of pocket, it’s a good way to care for pets getting up there in age. 

How To Make A Claim With CAA Pet Insurance?

The claims process is pretty straightforward through this company, though it helps to familiarize yourself before an actual incident takes place. Though it doesn’t directly pay the vet, it does have a prompt turnaround. 

  1. Get a claim form either online or from the vet treating your pet. You can access these online or call ahead to ensure that the vet has one. 
  2. Bring your pet to a licensed vet to get diagnosed and treated. 
  3. Pay the veterinary bill in full, complete sections one and four of the claim form, getting the vet to complete sections two and three. Be sure to sign the form before moving to the next step.
  4. Compile your receipts or an invoice for treatment and attach it to the claim form. 
  5. Finally, you can either mail or fax the paperwork to the Petline Insurance Company claims office, located in Winnipeg. 

Now, while the process is simple, using traditional means of communication to mitigate security risks of completing the process online, it does have some drawbacks. If you aren’t using a fax machine, it can be time consuming. Plus, without a fax, you risk losing these original documents. Two key pieces of advice: keep copies and ask your vet to fax the claim. They are likely to have the tech required to do so and it will save you in terms of waiting period and postage. Be sure to use an appropriate cover sheet, directing it to the attention of the claims department and citing your file number for reference. 

Depending on your preference, you can get reimbursed by cheque or direct deposit. The company touts its rapid turnaround rate, taking roughly five business days to process a claim after receipt. By getting the funds transferred right into your bank and faxing your claim, you can help the process move more efficiently.

CAA Pet Insurance FAQs

Who is CAA Pet Insurance available to? 

Though its actual offices are in Winnipeg, Manitoba, CAA pet insurance coverage is only available to the Atlantic provinces, residents of British Columbia, and Ontario. While these represent a significant portion of the population, it is far from being available nation-wide. The good news is that the coverage is a matter of where you live, not where you need the service. For example, You can get assistance if your pet gets sick in Calgary, provided the coverage is registered to an account that’s within one of the covered provinces.

Does CCA Pet Insurance cover hereditary or congenital conditions? 

As long as the genetic or congenital issue is not yet presenting symptoms, it will be covered. You must get through the waiting period before receiving treatment and there is no wiggle room for presentation. If your pet is vulnerable to hip dysplasia, for instance, and they are walking with a limp already, then it won’t be covered. However, if the limp initially presents after your coverage is effective, the claim will be processed. 

Is there an age eligibility limit? 

Yes, there is an age limit for CAA insurance coverage. On the lower end, it only insures cats and dogs after they have reached eight weeks of age. You can keep the coverage until your dog reaches eight years or your cat hits the ten year milestone. Typically, veterinary demand grows as pets age. It’s the natural wear and tear of life. It also gets more expensive to treat pets as they age. In order to mitigate this expense and ensure a proper flow of insurance proceedings, the age limit is capped. 

Does CAA have coinsurance?

Copay or coinsurance is the amount of the overall fee that you must pay prior to any deductibles. Since the compact plan covers 100 percent of the costs related to accidents, there is no copay. However both the other insurance tiers have a 20 percent copay. This amount is separate from your deductible. For instance, if your treatment is $1,000 and you have the intermediate plan, you will end up paying $200.  However, let’s say your deductible is $100, meaning you must pay that before accessing your reimbursement. For the covered treatments, when your claim is all said and done, you would receive a reimbursement of $700. Ultimately, it depends on your plan tier and deductible amount, though be sure to remember that these are separate expenses. 

Final Thoughts On CAA Pet Insurance

If you live in one of the covered locations, then CAA pet insurance has a lot to offer. Though it sticks to traditional approaches, using an out-of-pocket reimbursement structure, it does have a proven track record. The underwriting is clear-cut and the business leaves no questions about what is or is not covered. While each plan has benefits, the luxury package stands out as a clear winner. It provides reasonable coverage that extends across the board, even to dental issues. The cost is warranted if you want to avoid the risk of unexpected vet expenses, these plans are definitely worthy of consideration. 

Corrina Murdoch avatar on Loans Canada
Corrina Murdoch

Corrina Murdoch has been a dedicated freelance writer and editor for several years. With an academic background in the sciences and a penchant for mathematics, she seeks to provide readers with accurate, reliable information on important topics. Working as a print journalist for several years, Corrina expanded her reach into the digital sphere to help more people gain insight into the realm of finances. When she's not writing, you can find Corrina swimming and spending time with family.

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