BCAA Pet Insurance Review 2024: Free Quotes
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BCAA Pet Insurance: Key Takeaways
- Pets Covered: Dogs, cats
- Plans: Accident and Illness, Accident-only
- Annual Coverage Options: $5,000, $7,500, $15,000
- Reimbursement Rate: 70%, 80%, or 90% for Accident and Illness, 80% fixed for Accident-only
- Annual Deductible: $100, $200, or $300 for Accident and Illness, $100 for Accident-only
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Our BCAA Pet Insurance Review
BCAA Pet Insurance, in partnership with Pets Plus Us, offers two main plans: Accident and Illness, and Accident-Only. The Accident and Illness Plan covers up to $7,500 or $15,000 annually and includes emergency care, diagnostics, and alternative therapies like acupuncture and hydrotherapy. It also covers hereditary and behavioural conditions, medical devices, and prescription food.
The Accident-Only Plan is a budget-friendly option with a $5,000 annual limit, focusing on emergency and accident-related expenses. You can choose flexible reimbursement rates (70%, 80%, or 90% for Accident and Illness; 80% fixed for Accident-Only) and deductibles from $100 to $300 for Accident and Illness, with a flat $100 for Accident-Only, so you can tailor it to your budget.
BCAA Pet Insurance also provides free perks like 24/7 PetHelpFone for emergency consultations and a Pet Poison Helpline. Blue Ribbon Benefits include a free subscription to Modern Dog or Modern Cat magazine and emergency medical coverage for lost pets.
Routine and preventive care aren't included in the standard plans and require the Flex Care add-on, which also covers dental care and wellness exams. Pre-existing conditions aren't covered unless Flex Care is added. Among the drawbacks is also the lack of an unlimited coverage option like Trupanion or higher coverage limits like $20,000 with Furkin Pet Insurance. Meanwhile, deductibles can increase as pets age due to the age-based structure leading to higher costs. However, BCAA members get 13.5% off premiums, reducing overall premiums.
BCAA Pet Insurance is great for those seeking affordable accident-only coverage for young, active pets. It's also ideal if you're willing to pay a bit more for comprehensive, customizable insurance with extensive coverage and shorter waiting periods.
If you think BCAA Pet Insurance is the right choice, you can get a free quote here. It takes less than a minute.
What are the pros and cons of BCAA Pet Insurance?
Pros of BCAA Pet Insurance
- Flexible reimbursement rates: 70%, 80%, or 90% (Accident and Illness)
- Coverage for breed-specific hereditary conditions
- Coverage for boarding fees and trip cancellations due to pet emergencies
- Accident-only plan with 80% reimbursement
- BCAA Basic, Plus and Premier Members save 13.5%, 9% for non-members
- BCAA pet insurance reviews are positive for customer service
- Shorter waiting periods compared to many competitors
- Easy online quotes through Pets Plus Us
- Up to 15% multi-pet discount
- 24/7 pet health hotline
Cons of BCAA Pet Insurance
- Routine and preventive care requires the Flex-Care add-on
- Dental care requires the Flex-Care add-on
- Deductibles increase with pet age, raising costs over time
- No unlimited coverage option
- Flex Care is not currently available in Quebec.
Compare quotes and options before choosing pet insurance with BCAA. A little shopping around can help you to save money and find the coverage that fits your needs. You can use our free comparator below to compare the best pet insurance quotes online and get instant results.
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What does BCAA pet insurance cost?
We obtained the following BCAA Pet Insurance quotes for a 4-year-old Labrador Retriever based in Ontario, on June 25, 2024. The quotes took us less than a minute.
| Coverage details | Accident & Illness | Accident only |
|---|---|---|
| Monthly Premium | $90.14 (before taxes & discounts) | $23.17 (before taxes & discounts) |
| Coverage per Year | $7,500 | $5,000 |
| Reimbursement | 80% | 80% |
| Deductible | $200 | $100 |
| Tax per Month | $6.56 | $6.56 |
| Discount per Month | -$8.11 (As a BCAA non-member) | -$8.11 (As a BCAA non-member) |
| Total Monthly Payment | $88.59 (incl. taxes & discounts) | $21.62 (incl. taxes & discounts) |
Note: The total monthly payment reflects the applicable taxes and discounts for the specified regions (Ontario 8%, Quebec 9%, Manitoba 7%, Saskatchewan 6%).
You can get a personalized quote right now. It's entirely free, online and you get instant results in less than a minute.
BCAA pet insurance discount
As a BCAA member, you get a 13.5% discount on pet insurance. If you're not a member, you still get a 9% discount. Plus, you can sign up today to become a member and enjoy even more savings! The same applies to CAA Pet Insurance.
What does BCAA pet insurance cover?
BCAA Pet Insurance covers the following in the Accident and Illness Plan:
| Coverage | Coverage Amount/Limit |
|---|---|
| Veterinary Care | |
| Alternative Therapy | Up to $350/year |
| Behavioural Therapy | Up to $350/year |
| Medical Devices | Up to $1,000/year |
| Prescription Food | Up to $50/year (cats), $200/year (dogs) |
| Complications | |
| Emergencies | |
| Accidental Dental Fractures | |
| Musculoskeletal Conditions | |
| Travelling with Pets | |
| Trip Cancellation | Up to $1,000/incident |
| Missing or Stolen Pets | Up to $1,000/incident |
| Emergency Boarding | Up to $30/day, max $1,000/incident |
| End-of-Life Coverage | Up to $1,000 |
Here is the coverage in the Accident-only plan:
| Coverage Category | Coverage Limit |
|---|---|
| Veterinary Care for Accidents | |
| Alternative Therapy | Up to $350/year |
| Medical Devices | Up to $1,000/year |
| Complications due to accidents | |
| Emergencies | |
| Accidental Dental Fractures | |
| Travelling with Pets | |
| Trip Cancellation | Up to $1,000/incident |
| Missing or Stolen Pets | Up to $1,000/incident |
| Emergency Boarding | Up to $30/day, max $1,000/incident |
| End-of-Life Coverage | Up to $1,000 |
| Tribute Donation | $50 |
Free Additional Coverage
You also get free services through the Pets Plus Us program Blue Ribbon Benefits. These include coverage for:
- 24/7 PetHelpFone: Get pet care advice anytime.
- Compassionate Care Line: Support after losing a pet.
- 24/7 Pet Poison Helpline: Immediate help for pet poison emergencies.
- Emergency Medical Coverage: $1,000 for life-threatening injuries if your pet is lost.
- Modern Dog or Modern Cat Subscription: Free subscription to your chosen magazine.
Routine and Preventive Care Add-on
While routine and preventive care isn't included in the standard plans, you can buy coverage through the add-on Flex Care. It includes coverage for the following services:
- Dental Treatments
- Annual exams and vaccinations
- Treatment for a condition excluded on your Accident & Illness policy
- Anal gland expression done at veterinary practice
- Blood profile including collection
Note that you can buy the Flex Care add-on only with the Accident and Illness Plan. The accident-only plan does not have this option.
You can access the full coverage details and exclusions of BCAA Pet Insurance (via Pets Plus Us) in the free PDFs below.
Good to know
CAA and Costco Pet Insurance are also offered by Pets Plus Us. However, the discounts and coverage might slightly vary based on provincial taxes and rules.
What is the waiting period for BCAA Pet Insurance?
- 48-hour waiting period for accidents
- 14-day waiting period for illnesses
- Additional benefits (holiday trip cancellation, lost pet advertising, cremation or burial) start after 48 hours
- No special waiting periods for cruciate ligament injuries or intervertebral disc disease
You can compare coverage from Canada's best pet insurance plans right here. Use our free tool below to compare pet insurance quotes online.
Compare the best pet insurance plans on the market!
What does BCAA Pet Insurance not cover?
The Accident and Illness Plan does not cover:
- Pre-existing Conditions (only covered with Flex Care add-on)
- Routine and Wellness Care (only covered with Flex Care add-on)
- Food
- Pregnancy or whelping expenses
- Dental Care (only covered with Flex Care add-on)
- Reproductive System Claims
- Experimental Therapies
- Elective procedures, including cosmetic surgery, debarking, and tail docking
- Non-therapeutic Services and Supplies
- Administrative Fees
- Non-essential expenses like grooming, leashes, crates, supplements, and vitamins
In addition to the exclusions mentioned above for the accident and illness plan, the accident-only plan does not also cover:
- Any illnesses
- Accidents or Illnesses Caused by Owner
- Illnesses from eating something that causes illness but not an obstruction requiring surgery
- Illnesses from drinking contaminated or stagnant water
- Lameness
- Bloat
- Anaphylaxis
Good to know
While BCAA Pet Insurance offers comprehensive coverage, if you're looking for unlimited coverage options, you can explore Trupanion Pet Insurance, Desjardins or Petsecure Pet Insurance all of which offer unlimited annual limit plans.
How do I buy a pet insurance plan from BCAA?
You can purchase a BCAA pet insurance plan online through the website. Just head to the BCAA website, hit the "Get a quote" button, fill in your pet's details, select your choice of reimbursement and deductible, and make the payment online. The whole process takes less than two minutes and you manage the policy online.
How do I contact BCAA pet insurance?
For any details regarding coverage or policy information or to get a quote, you can call the BCAA pet insurance contact number 1.833.323.2452.
How do I file a pet insurance claim with BCAA?
You must fill up a BCAA pet insurance claim form (Pets Plus Us) based on the kind of reimbursement. You can submit and track your claims through the Pets Plus Us portal using your login information. Alternatively, you can also contact:
- Email: [email protected]
- Phone: 1-800-364-8422
- Hours: Mon - Fri: 8:00 am - 8:00 pm ET
How to cancel BCAA pet health insurance?
You can cancel your pet insurance policy at any time by sending a written request via email, fax, or regular mail. Make sure to include your name, your pet’s name, and your policy number. If you’ve pre-paid your premiums, you’ll receive a refund for the unused portion.
Cancellation takes effect on the date your request is received. If your pet has passed away, the policy can be backdated to the date of passing. For any questions, contact the BCAA Customer Success team at 1-800-364-8422 or [email protected].
Good to know
We recommend you have an active pet insurance policy to avoid any surprise payments and also to ensure your pet gets the best care always.
