Is CAA pet insurance the best in 2024?

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Information verified by  Alexandre Desoutter

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Alexandre Desoutter updated on 27 June 2023

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 CAA 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 CAA pet insurance

CAA protects 5 million Canadians in the Ontario, BC, and Atlantic provinces in event that life does not go as planned. They also want to make sure your pets have the same coverage in the event of an unplanned accident or illness.

CAA members have access to several different plans from basic to comprehensive plans that have competitive pricing. You are able to select and purchase coverage for your four-legged family member right on their site. However, their site does require some navigation on your part. If the time comes and you need to file a claim, CAA requires a claim form but they do want to make their claims process as seamless as possible by making sure most licensed veterinarians have access to claims forms directly in their offices.

Here is what HelloSafe thinks about CAA pet insurance pros and cons:

Why CAA could be right for you:

CAA offers alternative and behavioural therapies which most traditional policies do not.
In the event you are hospitalized, CAA will provide coverage for the cost of boarding your pet at a licensed kennel or with someone who will look after your pet.
CAA offers competitive pricing.

Why CAA may not be right for you:

Coverage is only available in Ontario, BC, Atlantic
Coverage only available to CAA members

Compare quotes and options before choosing pet insurance with CAA. 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!

Get a quote

What does CAA pet insurance cover?

CAA offers three plans 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:





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




Holiday Cancelation




Prescription Food




Comparison of CAA pet insurance plans

How much does a policy with CAA cost?

The price of pet insurance coverage with CAA 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 CAA 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!

Get a quote

How do I purchase a pet insurance plan with CAA?

If you are wanting to purchase pet insurance through CAA, you can do so on their site or by calling 1-866-757-2922.

Having your animal already spayed or neutered will save you money on your monthly premium.

CAA will apply a 10% discount for 3 or more pets. If you insure 6 or more pets, you receive a 15% discount.

How can I contact CAA pet insurance?

This is the best way to get in touch with CAA:

  • Inquires 1-866-757-2922 from 7:00am to 9:00pm

How do I file a claim with CAA pet insurance?

If you need to file a claim for your pet:

  1. Download a claim form - Many veterinarians also have them available right at their office.

  2. Take your pet to any licensed veterinarian for diagnosis and treatment.

  3. Pay your veterinary bill in full, fill out sections 1 and 4 of the claim form, and have your veterinarian complete sections 2 and 3. Remember to sign your form!

  4. Attach your receipt(s) or original invoice to the claim form. Be sure to keep a copy for your own records.

  5. Mail or fax your claim form to:

Petline Insurance Company
Attention: Claims Department
301-600 Empress Street
Winnipeg, Manitoba
R3G 0R5
Fax: 1-866-501-5580

CAA will process complete claims in an average of 5 business days.

How to cancel CAA pet insurance?

If you'd like to cancel your CAA Pet insurance, please call 1-800-267-8713 upon your renewal date. A customer agent will guide you through the process.

You could also visit a local branch nearby and visit them to help you with the process. You can use the store locator on the CAA website for a detailed description on the location of the stores and services offered.

Can I transfer my CAA 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!

Get a quote

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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.