Best Pet Insurance in Quebec (2026)
Quebec has unique insurance regulations, and several national pet insurers do not operate in the province. We filtered to only the providers genuinely available to Quebec residents, then ranked them by coverage, reimbursement, limits, and ratings.
Trupanion offers 90% reimbursement, unlimited annual coverage available, direct vet pay. Best for pet owners who want comprehensive coverage and don't want to pay vet bills upfront.
90% reimbursement Unlimited limit From $45/moPetsecure offers 80% reimbursement, unlimited annual coverage available, exam fees covered. Best for pet owners who want predictable pricing that won't increase as their pet ages.
80% reimbursement Unlimited limit From $25/moPC offers 80% reimbursement, unlimited annual coverage available, exam fees covered. Best for budget-conscious pet owners who shop at loblaws/pc stores and want to earn points.
80% reimbursement Unlimited limit From $11/moPHI Direct offers 80% reimbursement, $10,000 annual limit, direct vet pay, exam fees covered. Best for young, healthy pets and budget-conscious owners who want basic accident/illness coverage.
80% reimbursement $10,000 limit From $11/moDesjardins offers 80% reimbursement, unlimited annual coverage available. Best for pet owners who want to bundle with other desjardins insurance or need french-language service.
80% reimbursement Unlimited limit From $30/moSonnet offers 80% reimbursement, $5,000 annual limit. Best for existing sonnet customers who want to bundle insurance products.
80% reimbursement $5,000 limit From $25/moPets Plus Us offers 90% reimbursement, $15,000 annual limit. Best for budget-conscious pet owners, especially costco or caa members.
80% reimbursement $15,000 limit From $25/mo
Frequently Asked Questions
Which pet insurers are available in Quebec?
Available options include Trupanion, Petsecure, Pets Plus Us, Desjardins, PC, PHI Direct, Sonnet. Some national insurers do not operate in Quebec due to provincial regulations.
Is pet insurance more expensive in Quebec?
Premiums in Quebec are broadly in line with the rest of Canada and depend mainly on your pet's breed, age, and your specific location. Always get a quote for your postal code.
Can I get pet insurance in French in Quebec?
Yes. Providers operating in Quebec offer French-language service and documentation, including Desjardins, which is Quebec-based.
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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.