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If a dog is injured in a car crash, does insurance cover vet costs?

Insurance companies treat your lap dog like a laptop. If man’s best friend is hurt in a collision, he’s considered damaged property.

“It sounds cold, but in the eyes of the law, your dog is your property — if you get hit carrying an expensive vase, you expect the vase to be covered” says State Farm Canada spokesman John Bordignon. “If the driver is 100 per cent at fault, then the driver’s auto insurance would cover the dog’s injuries.”

Pets medical expenses aren’t covered the same way peoples’ are. But, if a pet is killed or injured by a car, you can make a liability claim against the other driver’s policy to cover the expenses, the same way you’d make a claim for other property damage, says the Insurance Bureau of Canada (ICB).

“The success of the liability claim and possible damages the pet owner may be able to recover, would likely be based on negligence,” writes IBC spokesman Pete Karageorgos in an email. “For example, was the dog on a leash or was it running freely when struck by the vehicle?”

In other words, you could get less — or nothing at all — if your dog darts out into traffic.

If you’re driving with your pet

What if Rover’s in your car and you get into a crash? Generally, the same rules apply — you could try to make a liability claim against the at-fault driver’s insurance.

In Ontario, your vet bills could also be covered under your own policy’s direct compensation property damage coverage, Karageorgos says. It’s required in Ontario and covers damage to your vehicle — and its contents — if the other driver was at fault for the accident.

If the insurance company decides you’re entirely at fault, then your car insurance policy won’t help you pay your vet bills. And the other driver’s insurance won’t either.

If you are at fault, it’s still possible your homeowner’s insurance could cover some vet or replacement costs, says State Farm Canada’s Bordignon.

“You have to look at your homeowners insurance — it can get a little complicated,” he says. “Call your agent and say “I have this dog, what will happen if he gets hit?”

You’ll notice we’re using the word could. That’s because insurance policies vary. Rules vary from province to province. And no two collisions are exactly the same.

In B.C., you can’t make a claim for pet injuries if you’re at fault in an accident, says the Insurance Corporation of British Columbia (ICBC).

“However, if another motorist is at fault for the crash, then you may have the basis for a third-party tort claim against the at-fault motorist, in which you could try to recover your expenses to cover the pet’s vet and medication bills due to the car crash,” writes ICBC spokesman Adam Grossman in an email. “The same would apply if your pet was inside or outside your vehicle.”

Is Pet Insurance worth it?

Medical bills for a dog needing surgery after a car crash can cost $5,000 to $10,000 — or even more, says the Canadian Veterinary Medical Association’s Dr. Bernhard Pukay.

“Just the first 24 hours can be $800 to $1,000, easily,” says Pukay, who’s also an unpaid advisor for Petsecure pet insurance. “You’ve got x-rays, blood work, lab work — it’s the same equipment and procedures that get used on people and the cost is about the same.”

A liability case may not get you all of that money back, and it could take months — or even years — before you see a penny.

If you have pet insurance, medical expenses will be covered — usually up to a limit — if your pet is injured in a collision, regardless of who was at fault.

“Our polices cover all veterinary costs associated with an accident up to the limit of the plan,” says Loraine Nyokong, director of sales with Petsecure. “Under comprehensive coverage we cover surgery and things like physiotherapy, chiropractic treatment and massage.”

Pet insurance can range from $20 to $120 a month, depending on the coverage, breed and where you live, Nyokong says.

Bur even with pet insurance, you’ll still likely have to pay bills up front. In most cases, owners pay vet bills and then get reimbursed, Nyokong says.

“Our target is five to seven days,” she says. “In peak times it can be 10 to 15 days.”

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Western Financial Group appoints Paul Taylor as new President & CEO

HIGH RIVER, AB, July 6, 2015 /CNW/ – Western Financial Group (Western) and its Board of Directors are pleased to announce the appointment of Paul Taylor as President & CEO effective July 6.

Company Founder and Interim President & CEO, Scott Tannas will be working with Taylor to oversee a smooth transition period. After this time, Tannas will resume his previous role as Vice Chairman and Founder focusing on the areas of governance, community and employee relations. Tannas also continues to serve as a Canadian Senator.

In his role as President & CEO, Taylor will oversee Western’s Network of insurance brokerages, and will lead all of Western’s business units including Western Financial Group Insurance Solutions, Western Financial Insurance Company (Petsecure) and Western Life Assurance Company.

Taylor brings with him a diverse background in both the private and public sectors. Most recently he held the position of President of TransAlta’s business operations in the U.S. and as is a Corporate Director on the TransAlta Renewables Board of Directors. His extensive experience includes serving as President & CEO of the Insurance Corporation of British Columbia (ICBC) and he subsequently served as the Chair and Director of ICBC. His public sector experience includes serving as Chief of Staff to the Premier of British Columbia and as British Columbia’sDeputy Minister of Finance and Secretary to Treasury Board.

“We are excited to have Mr. Taylor join the Western team. He is a proven leader, and is a great fit with Western’s values of truthfulness, fairness, value and loyalty. He is the right choice to help Western continue to be a leader in the Canadian insurance industry,” said Scott Tannas, Vice Chairman and Founder of Western Financial Group. “Mr. Taylor’s prior roles give him the expertise and perspective to lead Western to a successful future and I look forward to working alongside him.”

“We are delighted to announce Mr. Taylor as the new President & CEO of Western. He is the perfect person to continue to develop Western. His extensive experience, solid track record of leadership combined with his values make him the ideal individual to lead our team,” said Jim Dinning, Chairman, Western Board of Directors.  “Western’s future is very bright with Mr. Taylor joining the Western family.”

“I look forward to working with the great team at Western as we strive to serve the needs of our customers across the west,” said Paul Taylor, President & CEO of Western Financial Group.

About Western Financial Group
Western Financial Group is a diversified insurance company that serves more than 800,000 customers acrossWestern Canada. Founded in 1996 and headquartered in High River, Alberta, Western Provides personal and business insurance services through more than 160 office locations and affiliates and online With a skilled team of more than 1,800 employees, Western is committed to building the strongest insurance organization in Western Canada.

Western Financial Group is a subsidiary of Desjardins Group, the leading cooperative financial group in Canada.

SOURCE Western Financial Group

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Milos Raonic, Aviva Canada announces multi-year partnership


TORONTO, June 29, 2015 /CNW/ – Aviva Canada Inc., one of the country’s leading providers of home, auto, leisure and business insurance, and Canadian tennis star Milos Raonic are proud to announce a multi-year partnership. As part of the multi-year deal, Raonic will wear the Aviva logo on his uniform commencing this week at Wimbledon.

Raonic is currently ranked world No. 8 by the Association of Tennis Professionals (ATP). He has won six ATP titles, starting with the SAP Open in 2011, and reached the semi-finals of Wimbledon in 2014. Raonic is the highest ranked Canadian tennis player in the open era and will become a brand ambassador for Aviva – both in Canada and around the globe. He was born in Titograd, SFR Yugoslavia (now Podgorica, Montenegro) and moved to Canada with his family at the age of three.

“Insurance companies are an integral part of our communities, and I am excited to be associated with such a strong Canadian insurer and global brand,” said Raonic. “I’m on the road most of the year and it’s great to know that my partner Aviva will be there to support and protect what I care about most.”

“To be connected with a world-class athlete who proudly represents Canada on the world stage as Milos does, is a privilege for Aviva in Canada and globally,” stated Aviva Insurance Company of Canada President Sharon Ludlow. “We are hopeful that our new partnership will contribute to the growing strength of the sport for generations to come.”

The announcement comes shortly after Aviva Canada entered a 10 year deal with Tennis Canada – for the naming rights of their core Toronto facility – as the Aviva Centre (located at 1 Shoreham Drive), and becomes the official Platinum and exclusive Insurance Partner of the Rogers Cup presented by National Bank, at both the Toronto andMontreal events. The Rogers Cup takes place August 7-16 in Montreal with the men’s draw at Uniprix Stadium andAugust 8-16 in Toronto with the women’s draw being held at the Aviva Centre at York University.

About Aviva Canada
Aviva Canada is one of the leading property and casualty insurance groups in Canada providing home, auto and business insurance to more than three million customers. The company is a wholly-owned subsidiary of UK-based Aviva plc and has more than 3,000 employees, 25 locations and 1,700 independent broker partners. Aviva Canadainvests in positive change through the Aviva Community Fund, Canada’s longest running online community funding competition. Since its inception in 2009, the Aviva Community Fund has awarded $5.5 million to over 100 communities nationwide.

For more information about Aviva Canada, visit, our blog or our Twitter, Facebook and LinkedInpages.

SOURCE Aviva Canada Inc.

For further information:

Media Contacts:
Glenn Cooper
Senior Manager, Public Relations & Social Media
Aviva Canada Inc.
Desk: (416) 288-2685, Mobile: (416) 523-3225

For Milos Raonic
Austin Nunn
Manager, Milos Raonic
Mobile : (917) 747-1124

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The Co-operators pledges $10 million to Canadian Co-operative Investment Fund

GUELPH, ON, June 24, 2015 /CNW/ – The Co-operators has announced that they will increase their pledge to the Canadian Co-operative Investment Fund (CCIF) to $10 million. The Fund, which will be launched in the coming months, will support the development and expansion of Canadian co-operatives with loans and other funding sourced from the co-op sector.

The Fund, a first of its kind in Canada, was created under the leadership of Co-operatives and Mutuals Canada to address the challenge co-operatives face in accessing capital from conventional sources. It will provide funding with favourable conditions to developing co‑operatives throughout the country. The Fund is to begin its operation once it has reached its target of $25 million committed from the Canadian co-operative and mutual sector.

“Access to capital has long been recognized as a significant challenge facing co-operatives and we’re pleased to support this solution designed by the co-op sector for the co-op sector,” said Kathy Bardswick, president and CEO of The Co-operators. “Co-operatives have a long tradition of helping one another, and this is an innovative approach that will provide a new source of funding for emerging co-op and strengthen the Canadian co-op sector as a whole.”

Because co-operatives are owned and democratically controlled by their membership, they are not able to access capital markets in the same way as investor-owned companies. A study by Deloitte in 2012 showed that 74 per cent of co-operatives around the world identified access to capital as “somewhat difficult” or “difficult.” 

The concept of the Fund is that Canadian co-operatives will invest with the expectation of a modest return on their investment, but with the additional aim of enabling a new and more flexible source of funding specifically for developing co‑operatives.

“With the commitment announced today by The Co-operators, the investment Fund has now reached a tipping point and is ready to launch” said Jack Wilkinson, the newly elected President of CMC. “Now is the time for this idea, it is a first class impact investment opportunity that will support the development of co-ops in Canada.”

The pledge by The Co-operators represents new funding, which does not replace any of its existing programs that support the co-op sector, such as the Co-operative Development Program.

About The Co-operators:
The Co-operators Group Limited is a Canadian-owned co-operative with more than $40 billion in assets under administration. Through its group of companies it offers home, auto, life, group, travel, commercial and farm insurance, as well as investment products. The Co-operators is well known for its community involvement and its commitment to sustainability. The Co-operators is listed among the 50 Best Employers in Canada by Aon Hewitt; Corporate Knights’ Best 50 Corporate Citizens in Canada; and the Top 50 Socially Responsible Corporations in Canada by Sustainalytics and Maclean’s magazine. For more information visit

SOURCE The Co-operators

For further information: Leonard Sharman, The Co-operators, 519-767-3937

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