Is BCAA pet insurance the best in 2024?
verified information
Information verified by Alexandre Desoutter
Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodology
If you are a pet parent, you know vet bills can be substantial and usually come when you are least prepared for them. Pet insurance can be a real relief and help guarantee your ability to pay for quality care at the veterinarian.
At some point, most pets get sick or injured. This can result in expensive visits to the vet. Did you know that the average cat owner in Canada spent nearly $2,800 in 2022 caring for their animal? For dog owners, this number came in even higher at $3,500 and above. The cost of caring for an animal is increasing every year according to a study from HelloSafe’s team.
This guide to BCAA pet insurance explains what it has to offer, its pros and cons, prices, what makes it unique and why it may be right for you.
Our 2024 review of BCAA pet insurance
BCAA has been serving the BC area for over 40 years. They offer a variety of province-wide coverage including home, car and life insurance. That also provide a up to a 20% discount for BCAA members.
BCAA recognizes that pets are a valued member of your family and wants to help you keep them protected. While most pet insurance policy covers accidents and illnesses, BCAA also offer alternative therapies including massage treatment as well as behavioural therapy. Have more than one pet you need to insure? BCAA will offer a multi-pet discount. You are able to obtain a quick quote on their site, pick your plan, and purchase once you are ready to start coverage.
Here is what HelloSafe thinks about BCAA pet insurance pros and cons:
Why BCAA could be right for you:
BCAA offers alternative and behavioural therapies which most traditional policies do not.
In the event you are hospitalized, BCAA will provide coverage for the cost of boarding your pet at a licensed kennel or with someone who will look after your pet.
BCAA has a multi-pet discount up to 15%.
Why BCAA may not be right for you:
Some coverages are only available with Intermediate and Luxury plans.
"Foreseeable Conditions" are excluded from coverage.
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:
Compare the best pet insurance plans on the market!
What does BCAA pet insurance cover?
BCAA offers three pet insurance plans in association with PetsPlusUs to help protect your pet and your wallet. The have plans that range from basic to comprehensive coverage. The three plans available are Compact, Intermediate, Luxury.
Refer to our table to see the breakdown in what each plan covers:
Cover | Compact | Intermediate | Luxury |
|---|---|---|---|
Accident & Illness | $2,000 accident only (illness coverage not available) | $2,500 accident & illness | $4,500 accident & illness |
Alternative & behavioural | $350 alternative only (behavioural coverage not available) | $350 for alternative & behavioural | $250 for alternative & behavioural |
Medical Devices | $350 | $350 | $350 |
Holiday Cancelation | $500 | $500 | $1,000 |
Perscription Food | $75 | $75 | $75 |
Lost Pet & Boarding Fees | $250 lost pet (boarding coverage not available) | $250 lost pet & boarding | $300 lost pet $500 boarding |
How much does a policy with BCAA cost?
The price of pet insurance coverage with BCAA will vary depending on your situation. For example, the age, size or breed of your animal. Also, the type of coverage you need. Do you need a cat insurance, or a dog insurance? Therefore, it will be important to get an individual quote customized for your unique needs.
Before settling on BCAA pet insurance, make sure to compare all the best offers currently on the market using our frre online tool below:
Compare the best pet insurance plans on the market!
How do I purchase a pet insurance plan with BCAA?
If you are looking to purchase pet insurance through BCAA, you can do so via their site. You can also call them at 1-866-757-2922.
There are a few ways to save with BCAA pet insurance.
If you have more than one pet, they will offer up to a 15% discount.
If your pet is already spayed or neutered, it will save you money by lowering your monthly premium.
How can I contact BCAA pet insurance?
This is the best way to get in touch with BCAA:
- Inquires 1-866-757-2922 from 8:00am to 6:00pm
How do I file a claim with BCAA pet insurance?
If you need to file a claim for your pet, call the following BCAA phone number: 1-866-757-2922 and a representative will assist you.
If you need to download a pet insurance claim form, log into your BCAA account to download it.
How to cancel BCAA pet insurance?
You can cancel your pet insurance policy with BCAA at any time by getting in touch with the customer service.
Their expert advisors are available at the following phone number: 1.888.268.2222, Monday to Friday from 8:00 am to 6:00 pm and Saturday 9:00 am to 5:00 pm.
You could also log into BCAA's website and fill up a form. Their team will take it forward from there.
Can I transfer my BCAA policy?
You might find yourself in a situation where you would like to change your pet insurance provider, for example, to get a better deal. When doing so, there are some factors to take into consideration:
- Difference in coverage - a medical condition may be considered pre-existing to the new insurer at the time of enrolment, and, therefore, not being covered.
- There may be an unavoidable waiting period before your new policy begins.
- Immediate savings of a new policy may ultimately cost more in the long run - the cost of on-going treatment.
How much pet insurance do I need?
How much pet insurance you need will depend on many different factor. These include your pets:
- Age
- Sex
- Breed
- Existing health conditions
- Current health
It is important to choose the right policy that meets the needs of both your pet and yourself. This is to ensure that if a problem arises, it will be covered by your insurance. Take time to shop around and compare insurers by using our comparison tool:
Compare the best pet insurance plans on the market!
