Is CAA pet insurance the best for you?

James James updated on 19 July 2022

There are many different types of insurance for humans – health insurance and life insurance, to name a few of the most common types. Insurance isn't just for humans though! Some people are surprised to learn that insurance coverage for your pets also exists. If you are a pet parent, you know 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 $2,150 in 2021 caring for their animal? For dog owners, this number came in even higher at $2,912. 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, what makes it unique and why it may be right for you.

Our review of CAA pet insurance

Continue below for CAA pet insurance pros and cons:

Here is what HelloSafe thinks about CAA pet insurance:

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.

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Pet insurance quotes in just seconds

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




Perscription 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 are looking for. Therefore, it will be important to get an individual quote customized for your unique needs.

Before settling on CAA travel insurance shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our tool:

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Pet insurance quotes in just seconds

How do I purchase a 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 insurer?

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

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

How do I file a claim with CAA?

If you need to file a claim for your pet:

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

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

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!

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

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.

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!

Protect your furry friend

Pet insurance quotes in just seconds

Good to know

Are you unsure of how pet insurance works? Our pet insurance guide will answer all your questions.

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