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Hbc Pet Insurance

200-1200 Portage Avenue
Winnipeg MB R3G 0T5
phone: (800) 664-9204
website: http://www.petinsurancehbc.com
claim form
Average Rating
6.5
out of 10

add your rating
Hbc Financial Services began offering pet insurance in August of 2008. The program is underwritten by Securican General Insurance Company. Securican is also the underwriter for PetPlan Canada and Petsecure. They offer pet insurance in every Province and Territory in Canada.

Most Helpful Reviews of Hbc Pet Insurance .

4/10   Slow and no dental coverage, 4/5/2013

Reviewed By: Peter Clements, Recommend: N

They are pleasant enough on the phone, but very slow to process claims...Even though they promise to clear claims within 5-7 days. More like a month.
I guess it's in the policy fine print, but they didn't cover us for our cat's gingivitis and though they say they cover prescription food, they refused us because it was a dental plan food.

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4/10   not happy, 11/25/2012

Reviewed By: CiCi, Recommend: N

I have two dogs insured with HBC since spring 2009. Monthly premiums for both are over $60. One of my dogs had never any claim; the other one became diabetic in February 2012. Diabetes is difficult to control but we got it sorted out now. However, since there were a number of bills, related to a couple of emergency vet visits and standards to get the dog regulated (like tests, test equipment, and insulin), the insurance decided now, in November 2012, that we are "high risk" and now they cover only 60% of the costs. I was pretty shocked to find this out - they didn't even send me a letter but just put a document on the website without notifying me.
They paid so far less than $2000.
The change to 60% coverage means, in every insurance year, they calculate 60% and then subtract the deductible, which is $500 for dog's age 10 and over, and the rest they pay. That means with the first $1000 vet bills in an insurance year, they pay only $100 ($600-$500 deductible) and after that 60%. I knew they make arbitrary decisions like that but thought it would be at a much higher level of expenditure. I tried beforehand to find out when they change the coverage to 60% but never could get any answer from them. Well, now I know. I find this kind of policy should be prohibited by law.
Furthermore, they have since a couple of months problems with their claims handling. It is a lot of confusion there. I still have claims unprocessed after over a month.
Overall, I would say it's not worth it

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9/10   Our Puppy Died, 5/5/2011

Reviewed By: Corinne Herringer, Recommend: Y

When we got our puppy, Barkley, she seemed healthy and happy but within a few months, she seemed lethargic and showed signs of sickness. After a couple of vet appointments and tests, found out her kidneys were diseased and failing (all before 5 months of age). She spent one day and night in the vet hospital and the bill for everything was around $3000. We paid about $1000 and the rest was covered. The $1000 was for the deductible and co-insurance but we had chosen a policy with a very small premium so we were happy with what we had to pay. We received compensation very quickly as well as a sympathy card. It was the most devastating time of our lives but HBC pet insurance handled everything professionally and with sympathy. Would definitely use HBC again.

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  Read more reviews... | Add your own review

Most Recent Reviews


4/10   Slow and no dental coverage,
They are pleasant enough on the phone, but very slow to process claims...Even though they promise to clear… read more

Added 4/5/2013 by: Peter Clements
 
4/10   not happy,
I have two dogs insured with HBC since spring 2009. Monthly premiums for both are over $60. One of my dogs had… read more

Added 11/25/2012 by: CiCi
 
9/10   Our Puppy Died,
When we got our puppy, Barkley, she seemed healthy and happy but within a few months, she seemed lethargic and… read more

Added 5/5/2011 by: Corinne Herringer
 
9/10   so far so good...,
We got our puppy insured a couple of weeks after buying him. There is a two week waiting period for illness,… read more

Added 12/7/2010 by: Alena Ruta
 


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