Pet insurance plans and coverage

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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

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.

CoveragesDental Care Veterinary diagnostics and treatment

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 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).

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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.

Coverage Silver PawDental Care Veterinary diagnostics and treatment

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).

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Coverage GoldPawAccident Veterinary diagnostics and treatment

Unlimited 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.

Coverage GoldPawIllness Veterinary diagnostics and treatment

Unlimited 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.

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.

Coverage GoldPawPreventive Care CoverageAnnual exams and preventive medication

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).

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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.