Compare the Best Pet Insurance in Canada
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Compare top-rated policies, understand what’s covered, and find the best pet insurance in Canada to protect your dog or cat from unexpected vet bills.
Pet insurance in Canada has matured into a practical tool for managing veterinary costs. Based on 2026 market data, comprehensive accident and illness plans cost $20 to $90 per month depending on your pet’s species, age, and breed. Trupanion and Pets Plus Us lead the market for coverage quality, while Fetch and Petsecure offer strong value for budget-conscious pet owners.
Most Canadian pet insurance policies cover a standard set of medical expenses. Understanding what’s included helps you evaluate whether a plan matches your pet’s health risks.
Policies typically exclude pre-existing conditions, routine wellness care (unless you add a rider), and elective procedures. Read the policy terms to understand waiting periods, which range from 2 to 14 days for illnesses.
The following table compares leading pet insurance providers available to Canadian pet owners in 2026. Ratings reflect coverage quality, claims processing speed, customer satisfaction, and value for money.
| Provider | Monthly Range (CAD) | Rating | Key Features |
|---|---|---|---|
| Trupanion | $45 – $110 | 4.7 / 5 | Direct vet payment, no payout limits, 90% reimbursement |
| Pets Plus Us | $30 – $75 | 4.5 / 5 | Canadian-owned, flexible plans, optional wellness coverage |
| Fetch by The Dodo | $35 – $85 | 4.4 / 5 | Comprehensive coverage, dental illness included, easy app |
| 24PetWatch | $25 – $70 | 4.3 / 5 | Budget-friendly, microchip integration, multiple plan tiers |
| Desjardins | $30 – $80 | 4.3 / 5 | Bundling discounts for existing customers, strong in Quebec |
| Petsecure | $28 – $75 | 4.2 / 5 | Four plan levels, coverage for exam fees, established brand |
Prices represent estimates based on average market data for a healthy adult pet. Rates and terms may vary by financial institution and underwriter.
Trupanion stands out for chronic conditions because it pays 90% of eligible costs with no annual or lifetime payout limit per condition. This structure proves valuable for conditions like diabetes or Addison’s disease that require lifelong management.
The direct vet payment system removes the burden of upfront costs at the clinic. Trupanion uses a per-condition lifetime deductible, meaning you pay the deductible once per new condition and then receive coverage for that condition for your pet’s lifetime.
Pets Plus Us is a Canadian company underwritten by Northbridge Insurance, making it uniquely tailored to Canadian pet owners and veterinary costs. Their Accident and Illness plan includes coverage for chronic and recurring conditions as long as they weren’t present before enrolment.
The Flex Care add-on is one of the only wellness riders available in Canada, covering routine care like vaccinations and dental cleanings. This add-on costs roughly $15 to $25 per month on top of the base plan.
Petsecure has operated in Canada since 1989 and offers tiered plans that include chronic and hereditary conditions. Their top-tier plans cover conditions like hip dysplasia, epilepsy, and heart disease.
Annual limits reset on each policy anniversary, which makes multi-year chronic condition management more sustainable. Petsecure celebrated insuring over one million pets, establishing it as Canada’s oldest and largest pet insurance provider.
Pet insurance premiums vary based on your pet’s species, age, breed, and your province. Here are the average monthly costs Canadian pet owners can expect in 2026.
These figures represent standard plans with a $500 annual deductible and 80% reimbursement. Premiums increase as pets age, and certain breeds predisposed to health conditions carry higher rates.
Selecting pet insurance requires evaluating your pet’s risk profile, your budget, and the plan’s structure. Here are the key factors to consider.
Certain breeds are predisposed to specific health conditions. Large breeds face higher rates of hip dysplasia and bloat. Brachycephalic breeds (pugs, bulldogs) encounter respiratory issues. Understanding your pet’s risk profile helps you choose adequate coverage limits.
Canadian providers offer both annual deductibles and per-condition deductibles. Most providers use an annual deductible that resets each policy year. Trupanion uses a per-condition lifetime deductible.
If your pet develops multiple chronic conditions, a per-condition structure could prove more expensive over time. If your pet has one major condition, it may save money long-term.
Typical reimbursement rates range from 70% to 90%. Higher reimbursement percentages reduce your out-of-pocket costs but increase your monthly premium. Balance your monthly budget against your comfort level with unexpected vet bills.
Some providers cap annual payouts at $2,500 to $10,000. Others offer unlimited annual coverage. Unlimited plans cost more but protect you if your pet faces major surgery or cancer treatment that exceeds standard limits.
Look for reviews from other Canadian pet owners, particularly regarding claims processing speed and customer service responsiveness. Providers with fast, hassle-free claims processes deliver the best overall experience.
Check the Better Business Bureau Canada for complaint history as an additional data point. Compare providers across our insurance guides to see side-by-side ratings.
Pet insurance makes the most sense for specific pet owner profiles. Consider whether you fit into one of these categories before purchasing a policy.
Pet insurance in Canada offers genuine value for owners who want to remove financial barriers from veterinary decisions. Trupanion leads for unlimited per-condition payouts, while Pets Plus Us and Petsecure provide strong Canadian-specific options with flexible plan structures.
Compare providers based on your pet’s breed, age, and health risks. Read the fine print on waiting periods, deductible structures, and annual limits. The best policy balances affordable premiums with comprehensive coverage for the conditions your pet is most likely to face.
Before committing to a policy, request quotes from at least three providers and review customer feedback on claims processing. Sign up for our newsletter to stay informed about changes in Canadian pet insurance offerings and new provider options.
Dogs cost $40 to $90 per month for accident and illness coverage, while cats cost $20 to $55 per month. Accident-only plans run $15 to $30 per month for either species. These figures reflect standard plans with a $500 annual deductible and 80% reimbursement.
Trupanion ranks highest at 4.7 out of 5 for its unlimited per-condition payouts and 90% reimbursement. Pets Plus Us scores 4.5 out of 5 and offers the only comprehensive wellness rider in Canada. The best choice depends on your pet’s age, breed, and your budget priorities.
Most Canadian pet insurance policies exclude pre-existing conditions. AKC Pet Insurance offers unprecedented coverage for pre-existing conditions after you keep the policy active for 365 days, though this provider operates primarily in the United States. Check each provider’s terms for specific exclusions.
Standard coverage includes emergency veterinary visits, surgeries, diagnostic imaging, prescription medications, cancer treatment, and hereditary conditions. Most policies exclude routine wellness care, dental cleanings, and elective procedures unless you purchase additional riders.
Insuring a senior pet (over 8 years old) becomes less economical due to higher premiums and pre-existing condition exclusions. If your pet has no current health issues and you enrol before age 7, coverage could still provide value for future conditions.
Most Canadian providers require you to pay the vet bill upfront, then submit a claim form with itemized invoices and medical records. Trupanion offers direct vet payment at participating clinics. Claims processing typically takes 2 to 14 days depending on the provider.
Annual deductibles reset each policy year, meaning you pay the deductible amount once per year regardless of the number of conditions. Per-condition deductibles apply to each new diagnosis but then cover that condition for life once met. Trupanion uses per-condition deductibles, while most other Canadian providers use annual deductibles.
No, standard accident and illness plans exclude routine wellness care. Pets Plus Us offers a Flex Care add-on that covers vaccinations, annual exams, and dental cleanings for an additional $15 to $25 per month. Evaluate whether wellness riders return enough value based on your pet’s typical annual costs.
