Every comparison and review on PetAssured.ca follows the same process. We're publishing it here so you can judge our work — and so insurers can hold us accountable when we get something wrong.
What we evaluate
For every provider, we look at seven dimensions:
- Coverage scope — what conditions, treatments, and procedures are eligible
- Reimbursement structure — percentage paid back, per-incident vs annual caps
- Deductible mechanics — annual vs per-condition, how it resets
- Exclusions — pre-existing conditions, breed-specific exclusions, age limits
- Waiting periods — how long before coverage activates
- Claim experience — how quickly payouts are processed, direct vet pay availability
- Canadian availability — provinces served, regulatory standing, customer service hours
How we verify
- We read every published policy document, not just marketing pages
- We test each provider's online quote flow with multiple breed/age combinations
- We cross-reference customer complaints filed with the General Insurance OmbudService and provincial regulators
- We re-verify every page quarterly — every page on this site shows the date we last did so
How we stay independent
PetAssured.ca earns affiliate commissions when readers buy a policy through links on this site. This funds the research. To keep rankings honest:
- No paid placements. No insurer can pay for a better ranking, a "featured" badge, or inclusion in a "best of" list.
- Rankings are blind to commission rate. Several insurers on our recommended lists pay us less than insurers we rank lower.
- No editorial review by insurers. We do not send drafts to insurers for approval before publishing.
- Corrections are public. If we publish something wrong, we correct it on the page and log the change.
What we are not
We are not licensed insurance brokers, agents, or financial advisors. Our content is editorial — comparative analysis based on public policy documents and our own research. For binding quotes or licensed advice specific to your situation, contact the insurer directly or speak with a licensed broker in your province.
Found an error?
Email hi@petassured.ca with the page URL and what you'd like us to verify. We respond to every correction request within 5 business days.