Pet insurance plans and coverage
Protect your pet with exclusive insurance rates
Knowing your pet is covered against illness or injury—that’s what really counts. The Personal Pet Insurance Program offers 3 distinct insurance packages that allow you to choose coverage based on your pets individual needs: Bronze Paw, Silver Paw and Gold Paw. Whether you want basic coverage or a more deluxe package, give your dog or cat the care they deserve – and peace of mind for you knowing that you have a plan in place for unexpected vet bills!
Coverage summary by plan
Coverages
Bronze Paw
Silver Paw
Gold Paw
CoveragesAccident Veterinary diagnostics and treatment
Bronze PawUp to $2,000 per accident
Silver PawUp to $4,000 per accident
Gold PawUnlimited amount
This portion covers veterinary treatment fees if your pet is injured: veterinary diagnostics and treatment, prescription medications, X-rays, hospitalization, MRI/CAT scans and chemotherapy.
CoveragesIllness Veterinary diagnostics and treatment
Bronze PawUp to $2,000 per condition, per policy year
Silver PawUp to $4,000 per condition, per policy year
Gold PawUnlimited amount
This portion provides coverage to treat sickness, disease and any changes to your pet’s normal healthy state: veterinary diagnostics and treatment, prescription medications, X-rays, hospitalization, MRI/CAT scans and chemotherapy.
Bronze PawOptional
Up to $500
per policy year
Silver PawUp to $700
per policy year
Gold PawUp to $1,000
per policy year
This portion covers: annual cleaning and problems with teeth or gums.
CoveragesAdditional Coverage
3 categories:
- Alternative therapy
- Behavioural therapy
- Medical devices
Bronze PawNot included
Silver PawNot included
Gold PawUp to $350 per category, per policy year
This portion provides coverage for the following treatments: alternative therapy (homeopathy, massage therapy, hydrotherapy, acupuncture, chiropractic services and physiotherapy), behavioural therapy and medical devices. They are not offered individually.
CoveragesPreventive Care Coverage Annual exams and preventive medication
Bronze PawNot included
Silver PawNot included
Gold PawIncluded
The Golden Paw plan covers the following types of preventive care: Annual Exam and Vaccinations ($100); Annual Heartworm Test ($45); Heartworm Prevention Medication ($120); Annual Routine Blood Wellness Profile ($130); Flea Control Medication ($120); Fecal Exam and Deworming ($30); Annual Routine Wellness Urinalysis ($70).
Coverages
Bronze Paw
Coverages Bronze PawAccident Veterinary diagnostics and treatment
Up to $2,000 per accident
This portion covers veterinary treatment fees if your pet is injured: veterinary diagnostics and treatment, prescription medications, X-rays, hospitalization, MRI/CAT scans and chemotherapy.
Coverages Bronze PawIllness Veterinary diagnostics and treatment
Up to $2,000 per condition, per policy year
This portion provides coverage to treat sickness, disease and any changes to your pet’s normal healthy state: veterinary diagnostics and treatment, prescription medications, X-rays, hospitalization, MRI/CAT scans and chemotherapy.
Coverages Bronze PawDental Care Veterinary diagnostics and treatment
Optional
Up to $500
per policy year
This portion covers: annual cleaning and problems with teeth or gums.
Coverages Bronze PawAdditional Coverage
3 categories:
- Alternative therapy
- Behavioural therapy
- Medical devices
Not included
This portion provides coverage for the following treatments: alternative therapy (homeopathy, massage therapy, hydrotherapy, acupuncture. chiropractic services and physiotherapy), behavioural therapy and medical devices. They are not offered individually.
Coverages Bronze PawPreventive Care Coverage Annual exams and preventive medication
Not included
The Golden Paw plan covers the following types of preventive care: Annual Exam and Vaccinations ($100); Annual Heartworm Test ($45); Heartworm Prevention Medication ($120); Annual Routine Blood Wellness Profile ($130); Flea Control Medication ($120); Fecal Exam and Deworming ($30); Annual Routine Wellness Urinalysis ($70).
Protections
Silver Paw
Coverage Silver PawAccident Veterinary diagnostics and treatment
Up to $4,000 per accident
This portion covers veterinary treatment fees if your pet is injured: veterinary diagnostics and treatment, prescription medications, X-rays, hospitalization, MRI/CAT scans and chemotherapy.
Coverage Silver PawIllness Veterinary diagnostics and treatment
Up to $4,000 per condition, per policy year
This portion provides coverage to treat sickness, disease and any changes to your pet’s normal healthy state: veterinary diagnostics and treatment, prescription medications, X-rays, hospitalization, MRI/CAT scans and chemotherapy.
Up to $700 per policy year
This portion covers: annual cleaning and problems with teeth or gums.
Coverage Silver PawAdditional Coverage
3 categories:
- Alternative therapy
- Behavioural therapy
- Medical devices
Not included
This portion provides coverage for the following treatments: alternative therapy (homeopathy, massage therapy, hydrotherapy, acupuncture. chiropractic services and physiotherapy), behavioural therapy and medical devices. They are not offered individually.
Coverage Silver PawPreventive Care CoverageAnnual exams and preventive medication
Not included
The Golden Paw plan covers the following types of preventive care: Annual Exam and Vaccinations ($100); Annual Heartworm Test ($45); Heartworm Prevention Medication ($120); Annual Routine Blood Wellness Profile ($130); Flea Control Medication ($120); Fecal Exam and Deworming ($30); Annual Routine Wellness Urinalysis ($70).
Coverages
Gold Paw
This portion covers veterinary treatment fees if your pet is injured: veterinary diagnostics and treatment, prescription medications, X-rays, hospitalization, MRI/CAT scans and chemotherapy.
This portion provides coverage to treat sickness, disease and any changes to your pet’s normal healthy state: veterinary diagnostics and treatment, prescription medications, X-rays, hospitalization, MRI/CAT scans and chemotherapy.
Coverage GoldPawDental Care Veterinary diagnostics and treatment
Up to $1,000
per policy year
This portion covers: annual cleaning and problems with teeth or gums.
Coverage GoldPawAdditional Coverage
3 categories:
- Alternative therapy
- Behavioural therapy
- Medical devices
Up to $350
per category, per policy year
This portion provides coverage for the following treatments: alternative therapy (homeopathy, massage therapy, hydrotherapy, acupuncture. chiropractic services and physiotherapy), behavioural therapy and medical devices. They are not offered individually.
The Golden Paw plan covers the following types of preventive care: Annual Exam and Vaccinations ($100); Annual Heartworm Test ($45); Heartworm Prevention Medication ($120); Annual Routine Blood Wellness Profile ($130); Flea Control Medication ($120); Fecal Exam and Deworming ($30); Annual Routine Wellness Urinalysis ($70).
Annual deductible
You pay one deductible per year, regardless of how many claims you submit throughout the year. If you have no claims that year, you will not pay any deductible.
Reimbursement
The Personal Pet Insurance Program will cover 80% of pet care costs, less your annual deductible. This reimbursement applies for all pet insurance coverage plans.
Deductible by age of pet
| Age of pet | Dog | Cat |
|---|---|---|
| 0 to 5 years | $100 | $100 |
| 5 to 10 years | $250 | $150 |
| 10+ years | $350 | $200 |
Learn more
Learn more about the The Personal Pet Insurance Program.
You can also have a look at our FAQ section.
Need a glossary of pet insurance terms? Please refer to the definitions in the policy wordings.
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The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Conditions, exclusions and limitations may apply.
The Personal Pet Insurance Program is underwritten and distributed by Petline Insurance Company.
Information to have on hand when getting a quote
Information to have on hand when getting a quote
To get a home insurance quote, you'll need the following information about your property:
- Date you want your insurance to start
- Number and description of any past home insurance losses (type of loss, year)
- Home’s year of construction
- Ground floor surface area (excluding the basement)
- Year the entire roof was replaced
- Type of exterior siding (brick, stone, vinyl, aluminum)
- Heating systems (electricity, gas, dual energy, wood-burning stove)
- Information about the fuel oil tank (type, year)
- Information about the electrical panel
- Year the water heater was installed
- Information about your above ground pool (size, year)
- Security systems in the home
- Name and contact information of your mortgage lender
- Banking information for pre-authorized debit payments
Information to have on hand when getting a quote
Information to have on hand when getting a quote
To get a home insurance quote, you'll need the following information about your property:
- Date you want your insurance to start
- Number and description of any past home insurance losses (type of loss, year)
- Home’s year of construction
- Ground floor surface area (excluding the basement)
- Year the entire roof was replaced
- Type of exterior siding (brick, stone, vinyl, aluminum)
- Heating systems (electricity, gas, dual energy, wood-burning stove)
- Information about the fuel oil tank (type, year)
- Information about the electrical panel
- Year the water heater was installed
- Information about your above ground pool (size, year)
- Security systems in the home
- Name and contact information of your mortgage lender
- Banking information for pre-authorized debit payments
Information to have on hand when getting a tenant insurance quote
To get a tenant insurance quote, you'll need the following information about your unit:
General information
- The date you want your insurance to start
- Number of apartments in the building
- Security system in your unit, if applicable
Insurance history
- Number and description of any past home insurance losses (type of loss, year)
If you qualify to buy your tenant insurance online, you will also need the following information:
- Banking information for pre-authorized debit payments
Information to have on hand when getting a quote
Information to have on hand when getting a quote
To get a home insurance quote, you'll need the following information about your property:
- Date you want your insurance to start
- Number and description of any past home insurance losses (type of loss, year)
- Home’s year of construction
- Ground floor surface area (excluding the basement)
- Year the entire roof was replaced
- Type of exterior siding (brick, stone, vinyl, aluminum)
- Heating systems (electricity, gas, dual energy, wood-burning stove)
- Information about the fuel oil tank (type, year)
- Information about the electrical panel
- Year the water heater was installed
- Information about your above ground pool (size, year)
- Security systems in the home
- Name and contact information of your mortgage lender
- Banking information for pre-authorized debit payments
Information to have on hand when getting a quote
Information to have on hand when getting a quote
To get a home insurance quote, you'll need the following information about your property:
- Date you want your insurance to start
- Number and description of any past home insurance losses (type of loss, year)
- Home’s year of construction
- Ground floor surface area (excluding the basement)
- Year the entire roof was replaced
- Type of exterior siding (brick, stone, vinyl, aluminum)
- Heating systems (electricity, gas, dual energy, wood-burning stove)
- Information about the fuel oil tank (type, year)
- Information about the electrical panel
- Year the water heater was installed
- Information about your above ground pool (size, year)
- Security systems in the home
- Name and contact information of your mortgage lender
- Banking information for pre-authorized debit payments
Information to have on hand when getting a quote
To get an auto insurance quote, you’ll need the following information for you and any other drivers you want to insure:
- The date you want your insurance to start
- Information about all the vehicles you want to insure (year, make, model, odometer reading)
- Current auto insurance provider
- Information on driving violations for each driver(number and type)
- Information on past claims for each driver (number and type)
Information to have on hand when getting a quote
To get a home insurance quote, you'll need the following information about your property:
- Year of construction
- Type of exterior siding (brick, stone, vinyl, aluminum)
- Heating sources (electricity, gas, dual energy, wood-burning stove)
- Total ground floor area (excluding the basement)
- Year the roofing material was last fully replaced
- Security systems in the home
Information to have on hand when getting a tenant insurance quote
To get a tenant insurance quote, you'll need the following information about your unit:
General information
- The date you want your insurance to start
- Number of apartments in the building
- Type of business in the building
- Floor you live on
- Amount of insurance for your belongings
- Current insurance provider
- Security systems in your unit
Insurance history
- Number and description of any past home insurance losses (type of loss, year)
If you qualify to buy your tenant insurance online, you will also need the following information:
- Banking information for pre-authorized debit payments
Information to have on hand when getting a condo insurance quote
To get a condo insurance quote, you'll need the following information about your property:
General information
- The date you want your insurance to start
- Name and contact information of your mortgage lender
- Year of construction
- Number of units in the building
- Type of business in the building
- Floor you live on
- Amount of insurance for your belongings
- Current insurance provider
- Security systems in your condo unit
Insurance history
- Number and description of any past home insurance losses (type of loss, year)
If you qualify to buy your condo insurance online, you will also need the following information:
- Banking information for pre-authorized debit payments