CAA Pet Insurance Review 2025: Updated
CAA Pet Insurance offers two flexible plans through Pets Plus Us: An Accident and Illness plan with limits of $7,500 or $15,000, and a more budget-friendly Accident-only plan with a coverage of $5,000. With features like a 24/7 pet health hotline, coverage for breed-specific hereditary conditions, and shorter waiting periods compared to many other insurers, CAA Pet Insurance ensures comprehensive protection. You can also get routine and preventive care, as well as dental care, through an add-on. Further, there are big discounts of up to 13.5% for CAA members. CAA pet insurance is therefore ideal for both pet owners seeking an affordable accident-only policy and for those who are willing to pay slightly higher premiums for extensive benefits.
CAA Pet Insurance: Key Takeaways
- Pets covered: Dogs, cats
- Plans: Accident and Illness, and 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 plan
- Annual deductible: $100 for Accident-only, $100, $200, or $300 for Accident and Illness
Compare Canada's best pet insurance plans
Our review of CAA Pet Insurance
CAA Pet Insurance is offered in partnership with Pets Plus Us. It offers two comprehensive plans: Accident and Illness, and Accident only. The Accident and Illness Plan provides coverage options of $7,500 and $15,000 annually, including benefits such as emergency care, diagnostics, and even alternative therapies like acupuncture and hydrotherapy. This plan also includes coverage for hereditary and behavioural conditions, medical devices, and prescription food.
The Accident-Only Plan offers a more economical choice with a $5,000 annual limit, focusing solely on emergency and accident-related expenses. The plans come with flexible reimbursement rates (70%, 80%, or 90% for Accident and Illness; 80% fixed for Accident-Only) and deductibles ranging from $100 to $300 for Accident and Illness, and a flat $100 for Accident-Only, allowing customization based on your budget.
CAA Pet Insurance also offers free features like a 24/7 PetHelpFone for emergency consultations and a Pet Poison Helpline. They also include special Blue Ribbon Benefits at no additional cost, such as a subscription to Modern Dog or Modern Cat magazine, and Emergency Medical Coverage for life-threatening injuries while your pet is lost.
However, routine and preventive care are not included by default (unlike Desjardins Pet Insurance Gold Plan) and require the additional Flex Care add-on, which also covers dental care and routine wellness exams. Pre-existing conditions are not covered, and deductibles can increase as pets age, potentially raising costs over time. However, CAA members get up to 13.5% off on premiums helping bring the costs down.
CAA Pet Insurance is perfect if you're looking for affordable accident-only coverage for a young, active pet prone to accidents. It is also ideal if you are willing to spend the extra buck for an all-inclusive and customizable pet insurance plan with extensive coverage and shorter waiting periods.
If you think CAA Pet Insurance could be the right choice for you, you can get a free quote right now.
What are the pros and cons of CAA Pet Insurance?
Pros of CAA Pet Insurance Canada
- Flexible reimbursement rates: 70%, 80%, or 90% (Accident and Illness)
- Coverage for breed-specific hereditary conditions.
- Boarding fees and trip cancellations due to pet emergencies covered
- Accident-Only Plan available with 80% reimbursement
- CAA members get a 13.5% discount
- Non-members get a 9% discount
- CAA pet insurance reviews are positive for customer service
- Short Waiting Periods compared to many competitors.
- CAA pet insurance quotes are easily available online through Pets Plus Us
- Up to 15% discount for insuring multiple pets
- 24/7 access to PetHelpFone
Cons of CAA Pet Insurance Canada
- Routine and preventive care are not available without the Flex-Care add-on
- Dental care unavailable without the Flex-Care add-on
- Age-based deductibles increase as pets age, which can raise costs over time
- No unlimited coverage option like Trupanion Pet Insurance or Petsecure Pet Insurance
You can compare pet insurance quotes online from Canada's best companies right here using our free tool below. Get instant results.
Compare the best pet insurance plans on the market!
What does CAA pet insurance cost?
We received the following CAA pet insurance quotes for a 4-year-old Labrador Retriever in Toronto on June 24, 2024.
| Plan | 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 CAA non-member) | -$8.11 (As a CAA 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%). For BC, look at BCAA Pet Insurance.
Pet insurance costs vary based on the breed, age, and health condition of your pet, apart from the coverage you choose. Therefore, you must get quotes based on your unique needs. You can get a personalized quote right now. It's completely free, online and you get instant results in less than a minute.
What does CAA Pet Insurance cover?
CAA Pet Insurance covers the following under 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 under 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 | |
| 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 |
Additional Coverage
CAA Pet Insurance also has additional benefits for free through the Pets Plus Us program called Blue Ribbon Benefits. These include coverage for:
- 24/7 PetHelpFone: Access to round-the-clock pet care advice.
- Compassionate Care Line: Support after the loss of a pet.
- 24/7 Pet Poison Helpline: Immediate assistance for pet poison emergencies.
- Emergency Medical Coverage: $1,000 for life-threatening injuries while your pet is lost.
- Modern Dog or Modern Cat Subscription: Free subscription to your choice of magazine.
You can also buy additional coverage for routine and preventive care by adding the optional Flex Care add-on. This coverage includes:
- 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
Watch out!
Note that the Flex Care add-on can be purchased only with the Accident and Illness Plan. The accident-only plan does not have this option.
You can take a look at the full coverage details and exclusions of CAA Pet Insurance (via Pets Plus Us) right here.
What is the waiting period for CAA Pet Insurance?
There is a 48-hour waiting period for accidents and 14 days for illnesses. Additional benefits, like holiday trip cancellation, lost pet advertising, and cremation or burial, start after 48 hours. Unlike some other plans, CAA pet insurance does not have special waiting periods for cruciate ligament injuries or intervertebral disc disease.
Good to know
Among other providers we reviewed, Trupanion Pet Insurance does not have different waiting periods for specific conditions or vary them based on your pet's age.
You can compare pet insurance coverage from the best companies using our free tool below.
Compare the best pet insurance plans on the market!
What does CAA Pet Insurance not cover?
The Accident and Illness Plan does not cover the following:
- Pre-existing Conditions (not covered without Flex Care)
- Routine and Wellness Care (not covered without Flex Care)
- Food
- Pregnancy-Related Expenses
- Dental Care (not covered without Flex Care)
- Reproductive System Claims
- Cosmetic Procedures
- Experimental Therapies
- Non-therapeutic Services and Supplies
- Administrative Fees
- Risky Activities
The Accident plan does not cover:
- Pre-existing Conditions
- Routine and Preventive Care
- Food and Dietary Costs
- Reproductive Conditions
- Dental Care
- Elective and Cosmetic Procedures
- Experimental Treatments
- Non-Therapeutic Services
- Accidents or Illnesses Caused by Owner
- Repetitive and Preventable Behaviors
- Administrative Fees
- Risky Activities
How do I buy a pet insurance plan from CAA?
You can buy a CAA pet insurance plan online. Just head to the CAA website based on the province you're in. Hit the "Get a quote" button, fill in your pet's details, select your reimbursement, and deductible, and make the payment online. The whole process takes less than two minutes.
Can I get CAA pet insurance in Quebec?
CAA Pet Insurance Quebec is available through Pets Plus Us. You must enter the province you reside in to get appropriate coverage details, premiums, and any discounts available.
How do I contact CAA pet insurance?
For any details regarding CAA pet insurance including coverage or policy information or to get a quote, you can call 1.833.323.2452.
How do I file a pet insurance claim with CAA?
You must fill up a CAA pet insurance claim form (Pets Plus Us) based on your purpose of reimbursement to process a claim. You can access all your claims information including submitting and tracking easily through the Pets Plus Us portal using your login information. For claims, 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 CAA pet health insurance?
You can cancel your pet insurance policy at any time by sending a written request via email, fax, or regular mail. Be sure to include your name, your pet’s name, and your policy number in your cancellation request. If you have pre-paid your premiums, you will receive a refund for the unused portion.
The cancellation will take effect on the date your request is received. If your pet has passed away, the policy can be backdated to the date of your pet’s passing. If you have any questions, please reach out to the CAA Customer Success team at 1-800-364-8422 or [email protected].
