Cheapest Pet Insurance in Canada (2026)
The cheapest plan isn't always the best value — a low premium with a low annual limit or no exam-fee coverage can cost you more at claim time. Below we rank providers by average monthly premium for a dog, with the trade-offs noted so you can balance price against coverage.
About $35/mo for a dog ($22/mo for a cat), with 80% reimbursement and a Unlimited limit.
80% reimbursement Unlimited limit From $11/moAbout $39/mo for a dog ($22/mo for a cat), with 80% reimbursement and a $10,000 limit.
80% reimbursement $10,000 limit From $11/moAbout $40/mo for a dog ($28/mo for a cat), with 80% reimbursement and a $5,000 limit.
80% reimbursement $5,000 limit From $25/moAbout $45/mo for a dog ($28/mo for a cat), with 90% reimbursement and a $15,000 limit.
80% reimbursement $15,000 limit From $25/moAbout $50/mo for a dog ($30/mo for a cat), with 80% reimbursement and a Unlimited limit.
80% reimbursement Unlimited limit From $25/moAbout $50/mo for a dog ($30/mo for a cat), with 90% reimbursement and a Unlimited limit.
80% reimbursement Unlimited limit From $35/mo
Frequently Asked Questions
What is the cheapest pet insurance in Canada?
Based on average premiums, the most affordable options we track are PC, PHI Direct, Sonnet. Accident-only plans are cheaper still but cover far less.
How can I lower my pet insurance premium?
Choose a higher deductible, a lower reimbursement percentage (e.g. 70% instead of 90%), or a lower annual limit. Many insurers also offer multi-pet discounts. Enrolling while your pet is young keeps premiums lower.
Is cheap pet insurance worth it?
A cheap plan is worth it if it still covers accidents and illnesses with a reasonable limit. Be cautious of plans with very low annual caps or that exclude exam fees, since those gaps can leave you with large out-of-pocket costs.
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Rankings are based on our editorial scoring of publicly available coverage data and customer ratings, and are updated regularly. This page contains affiliate links; we may earn a commission if you buy a policy through our links, at no extra cost to you.