How Much Does Pet Insurance Cost in Canada? (2026)
Pet insurance in Canada averages roughly $49/month for a dog and $30/month for a cat, though your actual price depends on breed, age, location, and the coverage you choose. Here's a full breakdown by provider.
| Provider | Avg / mo (Dog) | Avg / mo (Cat) | Dog range |
|---|---|---|---|
| PC | $35 | $22 | $11–$80 |
| PHI Direct | $39 | $22 | $11–$60 |
| Sonnet | $40 | $28 | $25–$75 |
| Pets Plus Us | $45 | $28 | $25–$95 |
| Petsecure | $50 | $30 | $25–$100 |
| Fetch | $50 | $30 | $35–$120 |
| Desjardins | $55 | $35 | $30–$110 |
| Spot | $55 | $32 | $20–$120 |
| Trupanion | $75 | $45 | $45–$150 |
What Affects Your Premium
- Species & breed: Dogs cost more than cats, and large or purebred dogs prone to hereditary conditions cost the most.
- Age: Premiums start low for puppies and kittens and rise every year. Enrol early.
- Location: Vet costs vary by province and city, so your postal code affects the price.
- Coverage choices: A higher reimbursement rate (90% vs 70%), a higher annual limit, and a lower deductible all raise your premium.
The Most Affordable Option
Of the providers we track, PC has the lowest average premium at about $35/month for a dog. See the full list in our cheapest pet insurance guide, and remember that the lowest price isn't always the best value if limits or coverage are thin.
Frequently Asked Questions
How much does pet insurance cost per month in Canada?
Pet insurance in Canada averages about $49/month for a dog and $30/month for a cat across the providers we track. Dogs typically range $25–$150/month and cats $15–$80/month, depending on breed, age, location, and coverage level.
Why is pet insurance more expensive for some pets?
Premiums rise with your pet's age and are higher for large or purebred dogs prone to hereditary conditions. Your province and postal code also matter, since vet costs vary regionally. Higher reimbursement percentages and annual limits increase the premium too.
Does pet insurance get more expensive as my pet ages?
Yes. Most insurers raise premiums each year as your pet gets older and claims risk increases. Enrolling while your pet is young locks in a lower starting premium and avoids pre-existing condition exclusions.
How can I make pet insurance cheaper?
Choose a higher deductible, a lower reimbursement rate (70% vs 90%), or a lower annual limit; use multi-pet discounts; and enrol early. Compare several quotes — premiums for identical coverage can vary widely between insurers.