Find the Best Pet Insurance in Canada
Compare Canada's top 9 pet insurance providers to find the best coverage for your dog or cat. Only 3.8% of Canadian pets are insured - protect yours today.
Pet Insurance Comparison Table
| Provider |
Max Limit |
Reimburse |
Monthly (Dog) |
Rating |
| Trupanion ⭐ Best Coverage | Unlimited | 90% | $69-$200 | 4.2/5 |
| Spot | Unlimited | 90% | $30-$120 | 4.5/5 |
| Fetch ⭐ Best Value | Unlimited | 90% | $35-$150 | 2.5/5 |
| Petsecure | Unlimited | 80% | $25-$100 | 4.1/5 |
| Pets Plus Us | $15,000 | 80% | $30-$100 | 2.1/5 |
| Desjardins | Unlimited | 80% | $25-$100 | 3.5/5 |
| PC Pet | Unlimited | 80% | $11-$80 | 3.5/5 |
| PHI Direct 💰 Budget Pick | $10,000 | 80% | $15-$65 | 3.8/5 |
| Sonnet | $5,000 | 80% | $20-$70 | 4.0/5 |
Why Compare Pet Insurance?
- Emergency surgery can cost $3,000-$10,000+ in Canada
- Cancer treatment often exceeds $15,000
- Vet costs rising 6-8% annually (CVMA data)
- 65% of Canadians own pets, but only 3.8% are insured
Key Factors to Compare:
- Deductible Type: Annual vs Per-Condition (Trupanion uses per-condition)
- Waiting Periods: 0-5 days for accidents, 14-30 days for illness, up to 6 months for orthopedic
- Bilateral Exclusions: Some insurers exclude the opposite side if one side has issues
- Direct Vet Pay: Only Trupanion and PHI Direct pay vets directly
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