BCAA Pet Insurance Canada Review (2025)
Our expert's opinion on BCAA
BCAA's pet insurance offering is an Accident & Illness plan underwritten by Northbridge General Insurance Corporation, designed to cover new and unexpected medical conditions that arise after applicable waiting periods.
The plan reimburses a percentage of eligible veterinary fees after an annual deductible (sample materials show an 80% reimbursement with a $100 deductible); coverage includes veterinary tests and treatments, alternative and behavioural therapies, accidental dental fractures, emergency and after-hours fees, medical devices (up to $1,000/year), and prescription food limits ($50/year for cats, $200/year for dogs), plus several no-deductible benefits such as trip cancellation, lost-pet recovery and emergency boarding; waiting periods are 3 days for accidents and 15 days for illnesses, with comprehensive exclusions for pre-existing, elective, routine wellness, and experimental treatments. Compared to main competitors, BCAA (via Northbridge) emphasizes an Accident & Illness-focused product with clear per-benefit limits and practical add-on benefits, while specific pricing and broader wellness budgets are not disclosed in the provided materials.
Best suited for owners seeking comprehensive Accident & Illness protection for dogs or cats who value device and emergency coverage and accept waiting periods and exclusions.
The policy is administered with member portal access, pre-approval for treatments over $1,000, and formal reassessment and underwriting appeal processes; the underwriter is Northbridge General Insurance Corporation and administration contacts include PTZ Insurance Services and Pets Plus Us, but the provided report does not include insurer revenues, premium volumes, Trustpilot scores, or average reimbursement times.
- ✅Accident & Illness-focused coverage
- ✅Alternative and behavioural therapy coverage
- ✅Medical devices coverage up to $1,000/year
- ✅Emergency and after-hours fee coverage
- ✅No-deductible additional benefits (trip cancellation, recovery)
- ✅Pre-approval option for treatments over $1,000
- ✅Online member portal with claims and appeals tools
- ❌Waiting periods: accidents 3 days, illnesses 15 days
- ❌Pre-existing conditions permanently excluded
- ❌Routine wellness and preventive care not covered
- ❌Per-benefit limits on prescription food and devices
- ❌Repetitive-incident exclusion after three similar events
Score- ✅Accident & Illness-focused coverage
- ✅Alternative and behavioural therapy coverage
- ✅Medical devices coverage up to $1,000/year
- ✅Emergency and after-hours fee coverage
- ✅No-deductible additional benefits (trip cancellation, recovery)
- ✅Pre-approval option for treatments over $1,000
- ✅Online member portal with claims and appeals tools
Our expert's opinion on BCAA
- ✅Accident & Illness-focused coverage
- ✅Alternative and behavioural therapy coverage
- ✅Medical devices coverage up to $1,000/year
- ✅Emergency and after-hours fee coverage
- ✅No-deductible additional benefits (trip cancellation, recovery)
- ✅Pre-approval option for treatments over $1,000
- ✅Online member portal with claims and appeals tools
- ❌Waiting periods: accidents 3 days, illnesses 15 days
- ❌Pre-existing conditions permanently excluded
- ❌Routine wellness and preventive care not covered
- ❌Per-benefit limits on prescription food and devices
- ❌Repetitive-incident exclusion after three similar events
Score- ✅Accident & Illness-focused coverage
- ✅Alternative and behavioural therapy coverage
- ✅Medical devices coverage up to $1,000/year
- ✅Emergency and after-hours fee coverage
- ✅No-deductible additional benefits (trip cancellation, recovery)
- ✅Pre-approval option for treatments over $1,000
- ✅Online member portal with claims and appeals tools
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BCAA Guarantees
BCAA offers an Accident & Illness pet insurance product underwritten by Northbridge General Insurance Corporation. The plan is positioned as a balanced, comprehensive accident-and-illness policy designed to cover new and unexpected medical conditions that occur after the applicable waiting periods. Coverage reimburses a percentage of eligible veterinary fees after an annual deductible, with specific reimbursement rate and deductible amounts shown on each policy’s Summary of Coverage (the guide uses an example of 80% reimbursement and a $100 deductible). Key clinical features documented include coverage for diagnostic tests, surgery, hospitalization, prescription medications (when licensed), alternative therapies when prescribed by a veterinarian, behavioural therapy, medical devices (up to a stated annual limit), accidental dental fractures, and emergency after-hours fees.
Several additional benefits are included that do not require payment of the annual deductible or co-insurance. These include trip-cancellation reimbursement (up to $1,000 per incident), recovery costs for lost or stolen pets (advertising and reward, up to $1,000 per incident), emergency boarding if the owner is hospitalized (up to $30 per day, to a maximum of $1,000 per incident), and euthanasia/cremation/burial reimbursement (up to $1,000 total). Prescription-food reimbursement limits (example: $50/year for cats, $200/year for dogs) and a medical devices limit (stated as $1,000 per year) are explicitly documented.
Waiting periods apply (no coverage for accidents before day 3 of the policy and no coverage for illnesses before day 15). The policy contains standard industry exclusions and restrictions (pre-existing and bilateral conditions, reproductive costs, routine preventive and elective care, routine dental disease, experimental treatments, unlicensed medications, etc.). Strengths include a broad range of clinical services covered when related to an eligible condition and defined non-deductible benefits with stated limits. Limitations include the fact that many plan-specific monetary maximums and the exact reimbursement/deductible parameters are defined on each policy’s Summary of Coverage (not public in the provided documents), the explicit exclusion of routine wellness care, and several exclusions and limits that may apply to recurrent or breed-related conditions.
| Accident & Illness plan | |
|---|---|
| Plan positioning | Balanced / comprehensive accident & illness coverage |
| Type of coverage (accident, illness, both, etc.) | Accident & illness (covers new and unexpected conditions after waiting periods) |
| Animals covered (dogs, cats, other) | Dogs and cats (documentation focuses on these species) |
| Reimbursement rate | Specified on the Summary of Coverage; guide example uses 80% (you pay 20%) |
| Annual reimbursement limit | Not specified in the provided documents (monetary limits are defined in policy documents / Schedule of Maximum Amounts) |
| Deductible (annual or per claim) | Annual deductible; amount shown on the Summary of Coverage (guide example: $100) |
| Age limits for enrollment | Not specified in the provided documents |
| Pre-enrollment health questionnaire | Not specified in the provided documents |
| Waiting periods (accident and illness) | Accident: no coverage before day 3 (48 hours) Illness: no coverage before day 15 (14 days) |
| Lifetime coverage | Not specified in the provided documents |
| Consultations | Covered when part of veterinary treatment for an eligible condition |
| Medications | Covered when prescribed for an eligible condition and licensed (DIN/NHP/VHP/INP); unlicensed medications excluded |
| Hospitalization | Covered for eligible accidents and illnesses (subject to policy limits) |
| Surgery | Covered for eligible accidents and illnesses (subject to policy limits) |
| Diagnostic tests | Covered when part of treatment for an eligible condition (subject to policy limits) |
| Dental care | Routine dental disease not covered; covers extraction of a non-diseased tooth fractured in a covered accident only |
| Preventive care | Not covered (routine wellness and preventive services excluded) |
| Alternative medicine | Covered if prescribed by a veterinarian (acupuncture, chiropractic, hydrotherapy, physiotherapy, massage, laser therapy) |
| Travel coverage | Trip cancellation benefit included (up to $1,000 per incident, conditions apply) |
| Civil liability | Not specified in the provided documents |
| Euthanasia | Covered when medically recommended as a result of a covered accident or illness (costs processed under benefit limits) |
| Death & cremation coverage | Cremation or burial reimbursed if pet dies from an eligible condition (up to $1,000 total) |
| Theft or loss + search expenses | Recovery costs (advertising and reward) reimbursed with conditions (up to $1,000 per incident) |
| Boarding fees | Emergency boarding if owner hospitalized: up to $30/day to a maximum of $1,000 per incident |
Illness: no coverage before day 15 (14 days)
BCAA Exclusions
BCAA’s exclusions follow standard industry practice: pre‑existing conditions (including any condition that showed signs, was treated, or began before the end of the applicable waiting period), bilateral rules, and events occurring during waiting periods are excluded.
Routine, preventive and elective care (annual exams, vaccinations, parasite control, grooming), reproductive and cosmetic procedures, routine dental disease care, experimental therapies, unlicensed medications, intentional injury or neglect, and illnesses arising from commercial/risky activities are explicitly excluded.
Notable differences include that certain musculoskeletal conditions (bloat, cruciate ligaments, hip/elbow dysplasia, patellar luxation) are always classified as “illness” (thus subject to illness waiting periods and annual illness limits), and a three‑incident repetition rule stops coverage for repeated preventable incidents.
Appeal/reassessment procedures and an exclusion‑review at renewal (after 12 consecutive symptom‑free months) are available as operational safeguards; geographic scope of cover is N.C.
| Exclusions | Details |
|---|---|
| Waiting periods | Accidents excluded during first 48–72 hours; illnesses excluded during first 14 days (policy states specific day counts); conditions showing signs within waiting periods are excluded. |
| Pre-existing & bilateral conditions | Any condition that showed signs, was treated, or began prior to the end of the waiting period is excluded; bilateral rule applies (if one side pre‑existing, the opposite side excluded). |
| Medical & clinical exclusions | Conditions arising from intentional injury, neglect, failure to follow vet advice; experimental or unproven treatments excluded; unlicensed medications or products without valid DIN/NHP/VHP/INP excluded. |
| Preventive & elective care | Routine wellness, vaccinations, parasite prevention, grooming, anal gland expression, and elective/cosmetic procedures (declawing, ear cropping, tail docking) excluded. |
| Dental exclusions | Routine dental care and periodontal disease treatments excluded (e.g., scaling, root canals, crowns); only accidental traumatic fracture extraction covered where specified. |
| Reproductive & congenital exclusions | Pregnancy, whelping/queening, spaying/neutering and related complications excluded; congenital conditions evident before policy start excluded. |
| Behavioural & repetitive incidents | Behavioural treatment limits apply; after three separate but similar preventable incidents (e.g., foreign body ingestion, fight wounds, porcupine quills), the condition is no longer covered. |
| Administrative & procedural exclusions | Administrative fees, form/record transfer fees, prescription dispensing fees, and post‑mortem examinations excluded. |
| Use/activity exclusions | Injuries/illnesses from commercial guarding, fighting, for‑profit racing, or other risky activities excluded. |
| Claims & operational limits | Claims submitted beyond specified deadlines may be denied; appeal/reassessment processes exist; exclusion review possible after 12 months symptom‑free. |
| Geographic exclusions | Scope/territory of cover: N.C. |
BCAA Prices
BCAA’s pet insurance pricing is positioned around a typical mid‑market Accident & Illness offering: the product reimburses a percentage of eligible veterinary fees after an annual deductible (sample figures in the user guide use an 80% reimbursement and a $100 deductible), and policy specifics such as the exact reimbursement percentage, deductible level and annual coverage limit are documented on each policyholder’s Summary of Coverage rather than published as standard rates. This structure gives members flexibility but also means published premium comparisons are N.C. in the available materials.
Competitiveness depends on those levers: higher reimbursement rates and lower deductibles increase premiums, while selectable annual limits and the defined waiting periods (48‑hour accident, 14‑day illness in the guide) shape value for owners who want broader illness protection versus accident‑only exposure. BCAA’s plan includes common cost‑control measures and exclusions (pre‑existing conditions, bilateral conditions, routine and elective care exclusions) that constrain claims exposure and, in turn, influence price stability.
Key differentiators cited in the documentation that can justify pricing include digital servicing (member portal for claims and policy management), a defined set of ancillary benefits (trip cancellation, lost pet recovery advertising and reward, emergency boarding, euthanasia/cremation limits), coverage for alternative and behavioural therapies when prescribed, medical device limits, and pre‑approval options for larger estimates. Compared with more traditional players that may publish broader lifetime or per‑condition coverage limits, BCAA’s model is typical of insurers that balance comprehensive emergency care with clearly stated exclusions and administrative controls — a trade‑off that tends to place it in the mainstream of provincial member‑based insurers rather than as an outlier in either extreme of the market.
To help you compare estimated monthly prices by profile, see the table below.
| Profile | Accident | Accident + Illness |
|---|---|---|
| Labrador Dog 1 year | $23.58 | $111.99 |
| Labrador Dog 3 years | $23.58 | $111.99 |
| Labrador Dog 7 years | $23.58 | $111.99 |
| Australian Shepherd Dog 1 year | $23.58 | $111.99 |
| Australian Shepherd Dog 3 years | $23.58 | $111.99 |
| Australian Shepherd Dog 7 years | $23.58 | $111.99 |
| French Bulldog Dog 1 year | $23.58 | $463.58 |
| French Bulldog Dog 3 years | $23.58 | $463.58 |
| French Bulldog Dog 7 years | $23.58 | $463.58 |
| European Cat 1 year | $21.10 | $58.66 |
| European Cat 3 years | $21.10 | $58.66 |
| European Cat 7 years | $21.10 | $58.66 |
| Maine Coon Cat 1 year | $21.10 | $65.83 |
| Maine Coon Cat 3 years | $21.10 | $65.83 |
| Maine Coon Cat 7 years | $21.10 | $65.83 |
| British Shorthair Cat 1 year | $21.10 | $65.78 |
| British Shorthair Cat 3 years | $21.10 | $65.78 |
| British Shorthair Cat 7 years | $21.10 | $65.78 |
BCAA Promo Codes
| BCAA Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed with BCAA?
BCAA reimburses a percentage of eligible veterinary fees after any annual deductible is applied; the examples below use an 80% reimbursement rate and a $100 annual deductible as shown in the policy guidance.
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $180 (consultation + medication)
Deductible amount to subtract: $100 (this is the first expense of the year)
Amount reimbursable after deductible with the highest-tier plan: $180 – $100 = $80
80% of that amount reimbursed: $80 × 80% = $64
👉 You receive a reimbursement of $64.
ℹ️ *The deductible applies once per policy year; future claims that year will not be subject to the deductible again unless it resets at renewal and the annual coverage limit may apply (N.C.).*
✅ Example 2: Cruciate ligament surgery (TPLO)
Total vet costs: $5,200 (surgery, specialist fees, hospitalization, diagnostics, medication)
Deductible already satisfied earlier in the year
Amount reimbursed at 80% with the highest-tier plan: $5,200 × 80% = $4,160
👉 You receive a reimbursement of $4,160.
ℹ️ *For major treatments, pre-approval is recommended for procedures estimated over $1,000; reimbursement reduces your annual coverage limit (specific annual limit: N.C.).*
✅ Example 3: Emergency hospitalization for gastric dilation (bloat)
Total vet costs: $3,400 (emergency surgery, ICU stay, medications, diagnostics)
Deductible amount to subtract: $100 (first expense of the year)
Amount reimbursable after deductible with the highest-tier plan: $3,400 – $100 = $3,300
80% of that amount reimbursed: $3,300 × 80% = $2,640
👉 You receive a reimbursement of $2,640.
ℹ️ *Emergency and specialist fees are eligible, but payments count toward any annual coverage cap and certain sub‑limits (e.g., medical device limit $1,000/year) may apply. Specific limits: N.C.*
BCAA Assistance
| Assistance BCAA | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | Member portal available for policy access and claims. Mobile app and app ratings: N.C. |
| Paperless claims process | ✅ | Online portal to submit and track claims. Pre-approval available for estimates over $1,000. Electronic claim management supported. |
| Emergency vet service | ❌ | 24/7 emergency vet line or teleconsultation: N.C. |
| Vet/clinic partner network | ❌ | N.C. |
| Coverage abroad | ❌ | N.C. |
BCAA Customer Reviews
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 2.4/5 - 36 reviews |
This report summarizes publicly available customer feedback about BCAA’s pet insurance using only neutral review platforms. As of the verification date, BCAA’s Trustpilot profile aggregates reviews about the company’s services overall (roadside assistance, auto, home, travel) and contains no reviews that specifically mention pet insurance.
Contact BCAA
| BCAA Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Additional online subscription or direct quote options on the BCAA site: N.C. |
| To request and track a reimbursement | Submit your claim via the member portal (portal.petsplusus.com), by email to submissions@petsplusus.com, or by postal mail to the claims address. Required documents: itemized veterinary invoice, clinical records and any other supporting medical documentation; pre‑approval (itemized estimate + medical records) is requested for treatments estimated over $1,000. Deadlines for appeals/reassessments: submit a reassessment within 180 days of a denial; other claim submission deadlines: N.C. Reimbursement calculation: a percentage of eligible veterinary fees after the annual deductible (specific percentage and deductible are shown on your Summary of Coverage). Reimbursement method (payment by e‑transfer, direct deposit, cheque, etc.): N.C. |
| To obtain a certificate of insurance | Request channels available: member portal (portal.petsplusus.com), general information email (info@petsplusus.com), or the toll‑free phone number. How to request: contact customer service via one of the channels above to request issuance. Information required to process the request (policy number, pet details, etc.): N.C. |
| To contact assistance | Member portal: portal.petsplusus.com for policy access, claims submission and status checks. General information email: info@petsplusus.com. Claims submissions email: submissions@petsplusus.com. Toll‑free phone: 1‑800‑364‑8422. Postal mail: PTZ Insurance Services Ltd., 710 Dorval Drive, Suite 400, Oakville, Ontario, L6K 3V7. |
| To cancel my policy | How to cancel: contact customer service by toll‑free phone or via the member portal to request cancellation. Information to provide when cancelling (policy number, effective date, reason, etc.): N.C. Deadlines for cancellation notice and refund conditions (prorated refund, administrative fees, effective date rules): N.C. |
Additional online subscription or direct quote options on the BCAA site: N.C.
Required documents: itemized veterinary invoice, clinical records and any other supporting medical documentation; pre‑approval (itemized estimate + medical records) is requested for treatments estimated over $1,000.
Deadlines for appeals/reassessments: submit a reassessment within 180 days of a denial; other claim submission deadlines: N.C.
Reimbursement calculation: a percentage of eligible veterinary fees after the annual deductible (specific percentage and deductible are shown on your Summary of Coverage).
Reimbursement method (payment by e‑transfer, direct deposit, cheque, etc.): N.C.
How to request: contact customer service via one of the channels above to request issuance.
Information required to process the request (policy number, pet details, etc.): N.C.
General information email: info@petsplusus.com.
Claims submissions email: submissions@petsplusus.com.
Toll‑free phone: 1‑800‑364‑8422.
Postal mail: PTZ Insurance Services Ltd., 710 Dorval Drive, Suite 400, Oakville, Ontario, L6K 3V7.
Information to provide when cancelling (policy number, effective date, reason, etc.): N.C.
Deadlines for cancellation notice and refund conditions (prorated refund, administrative fees, effective date rules): N.C.
FAQ
Do I have to pay upfront for veterinary fees with BCAA?
The provided BCAA policy documents do not describe an advance payment or third‑party payment system. You are expected to pay the veterinarian at the time of service and submit the invoice for reimbursement. Claims can be filed through the member portal or by using the listed contact channels. Reimbursement is paid after your annual deductible and co‑insurance are applied; exact deductible and reimbursement percentage appear on your Summary of Coverage. For clinics that ask about direct‑billing, contact BCAA member services to confirm any ad‑hoc arrangements.
How do I cancel my pet insurance policy with BCAA?
The policy materials do not specify a dedicated cancellation form or a mandatory notice period. To cancel, contact BCAA via the member portal, the toll‑free number 1‑800‑364‑8422, or the general information email and provide your policy number, policyholder name, pet details and the requested cancellation effective date. Ask customer service for confirmation of any refund, prorated premium or required signed documentation. If you need written confirmation, request an acknowledgement by email or through the portal and retain it for your records.
What are the waiting periods for accident and illness coverage?
Waiting periods start at 12:01 AM on your policy effective date. Accidents are not covered if onset or treatment occurs before day 3 of the policy, and illnesses are not covered if onset or treatment occurs before day 15. Certain conditions (for example, bloat, cruciate ligament injuries, patellar luxation, hip/elbow dysplasia) are always treated as illnesses, so their waiting rules apply accordingly. Always check your Summary of Coverage for any plan‑specific variations or endorsements.
How are reimbursements calculated and what will I receive?
BCAA reimburses a percentage of eligible veterinary fees after you meet the annual deductible; the policy guide uses a sample of 80% reimbursement and a $100 deductible as an example. Your actual reimbursement percentage ("your share") and deductible amounts are shown on your Summary of Coverage and determine the out‑of‑pocket cost. Reimbursable items must be for medically necessary treatments performed by a licensed veterinarian and supported by invoices and medical records. Some benefits (for example, certain emergency or recovery limits) are paid without applying the deductible or co‑insurance as specified in the guide.
How do I submit a claim and what are key deadlines or pre‑approval rules?
Claims may be submitted and tracked using the member portal (portal.petsplusus.com) or by contacting the claims submission email listed in the documentation. For planned treatments estimated to exceed $1,000 you can submit a pre‑approval request with an itemized estimate and medical records to confirm coverage in advance. If you disagree with a denial, a claim reassessment can be submitted within 180 days of the denial notice. The policy documents do not state a single universal late‑submission deadline for all claims in the excerpts provided, so verify timing and any specific filing limits on your policy declarations or with member services.
What behavioural and medical device benefits does BCAA offer?
Behavioural consultations and treatment are covered when provided by a veterinarian and by a certified animal behavioural therapist upon referral, subject to policy terms. Medical and diagnostic devices prescribed by a veterinarian are reimbursed up to $1,000 per policy year, as listed in the guide. Prescription therapeutic food is eligible up to specified annual limits ($50 for cats, $200 for dogs) and is subject to deductible and co‑insurance unless otherwise stated. Check the Summary of Coverage for any sub‑limits, exclusions or requirements such as prescriptions, referrals or pre‑authorization.
Do I have to pay upfront for veterinary fees with BCAA?
The provided BCAA policy documents do not describe an advance payment or third‑party payment system. You are expected to pay the veterinarian at the time of service and submit the invoice for reimbursement. Claims can be filed through the member portal or by using the listed contact channels. Reimbursement is paid after your annual deductible and co‑insurance are applied; exact deductible and reimbursement percentage appear on your Summary of Coverage. For clinics that ask about direct‑billing, contact BCAA member services to confirm any ad‑hoc arrangements.
How do I cancel my pet insurance policy with BCAA?
The policy materials do not specify a dedicated cancellation form or a mandatory notice period. To cancel, contact BCAA via the member portal, the toll‑free number 1‑800‑364‑8422, or the general information email and provide your policy number, policyholder name, pet details and the requested cancellation effective date. Ask customer service for confirmation of any refund, prorated premium or required signed documentation. If you need written confirmation, request an acknowledgement by email or through the portal and retain it for your records.
What are the waiting periods for accident and illness coverage?
Waiting periods start at 12:01 AM on your policy effective date. Accidents are not covered if onset or treatment occurs before day 3 of the policy, and illnesses are not covered if onset or treatment occurs before day 15. Certain conditions (for example, bloat, cruciate ligament injuries, patellar luxation, hip/elbow dysplasia) are always treated as illnesses, so their waiting rules apply accordingly. Always check your Summary of Coverage for any plan‑specific variations or endorsements.
How are reimbursements calculated and what will I receive?
BCAA reimburses a percentage of eligible veterinary fees after you meet the annual deductible; the policy guide uses a sample of 80% reimbursement and a $100 deductible as an example. Your actual reimbursement percentage ("your share") and deductible amounts are shown on your Summary of Coverage and determine the out‑of‑pocket cost. Reimbursable items must be for medically necessary treatments performed by a licensed veterinarian and supported by invoices and medical records. Some benefits (for example, certain emergency or recovery limits) are paid without applying the deductible or co‑insurance as specified in the guide.
How do I submit a claim and what are key deadlines or pre‑approval rules?
Claims may be submitted and tracked using the member portal (portal.petsplusus.com) or by contacting the claims submission email listed in the documentation. For planned treatments estimated to exceed $1,000 you can submit a pre‑approval request with an itemized estimate and medical records to confirm coverage in advance. If you disagree with a denial, a claim reassessment can be submitted within 180 days of the denial notice. The policy documents do not state a single universal late‑submission deadline for all claims in the excerpts provided, so verify timing and any specific filing limits on your policy declarations or with member services.
What behavioural and medical device benefits does BCAA offer?
Behavioural consultations and treatment are covered when provided by a veterinarian and by a certified animal behavioural therapist upon referral, subject to policy terms. Medical and diagnostic devices prescribed by a veterinarian are reimbursed up to $1,000 per policy year, as listed in the guide. Prescription therapeutic food is eligible up to specified annual limits ($50 for cats, $200 for dogs) and is subject to deductible and co‑insurance unless otherwise stated. Check the Summary of Coverage for any sub‑limits, exclusions or requirements such as prescriptions, referrals or pre‑authorization.
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