CAA is best known for roadside assistance and travel, but it also sells a range of insurance products — including pet insurance — to its members. The important thing to understand before comparing it to standalone insurers is what's actually under the hood: this is a Pets Plus Us policy in CAA wrapping, with a membership discount as the main differentiator.
Coverage at a glance
| Feature | CAA Pet Insurance |
|---|---|
| Underwritten by | Pets Plus Us / Northbridge (CAA-branded) |
| Reimbursement rate | Tiered — typically 70 / 80 / 90% (plan-dependent) |
| Annual payout cap | Capped — varies by plan tier |
| Deductible structure | Annual, customizable |
| Direct vet pay | No — reimbursement model |
| Wellness / routine care | Optional add-on |
| Member discount | Yes — for CAA members |
| Hereditary / congenital conditions | Covered (subject to waiting periods) |
Pros and cons
✓ What works
- CAA member discount can meaningfully lower the premium if you're already a member
- Backed by Pets Plus Us / Northbridge — an established Canadian underwriter
- Same tiered flexibility as Pets Plus Us (reimbursement rate, deductible, wellness add-on)
- Convenient if you want to bundle with other CAA insurance products
- Hereditary and congenital conditions covered
✓ What doesn't
- No advantage over Pets Plus Us directly unless you're a CAA member getting the discount
- Capped annual payout — catastrophic events can exhaust coverage
- Reimbursement model — pay up-front, then claim
- Requires (or is most worthwhile with) a paid CAA membership
- The CAA brand can create the impression it's a distinct insurer when it isn't
Who it's best for
- Existing CAA members where the discount produces real savings
- Owners who want to consolidate pet, auto, and home insurance under one provider
- Owners comfortable with a capped, reimbursement-model comprehensive plan
Our verdict
Bottom Line
CAA Pet Insurance is a reasonable convenience pick for existing CAA members — but understand you're buying a Pets Plus Us policy. Before committing, get a quote from Pets Plus Us directly and confirm the CAA member discount actually saves you money versus the standalone equivalent. If you're not a CAA member, there's no reason to pay for membership just to access this; buy Pets Plus Us directly instead.