Find the Best Cat Insurance Companies in Canada

Is pet insurance a good idea for cats?

 

Pet insurance can be a good idea for cats, depending on your specific circumstances and preferences.

Here are some factors to consider when deciding whether to get pet insurance for your cat:

  • Financial Protection: Pet insurance can help protect you from unexpected and potentially high veterinary costs. It can provide coverage for accidents, illnesses, surgeries, and medications, among other things. If your cat requires emergency veterinary care or develops a chronic condition, having insurance can alleviate the financial burden.
  • Peace of Mind: Knowing that you have insurance for your cat can give you peace of mind, knowing that you can provide the best possible care without worrying about the cost. It allows you to make medical decisions based on what’s best for your cat’s health rather than solely on financial considerations.
  • Pre-existing Conditions: It’s important to note that most pet insurance policies do not cover pre-existing conditions. If your cat already has a medical condition before getting insurance, it may not be fully covered or covered at all. However, some insurers may provide coverage for certain pre-existing conditions after a waiting period.
  • Cost-Benefit Analysis: Consider the cost of the insurance premiums compared to the potential veterinary expenses you might incur without insurance. Evaluate the likelihood of needing extensive veterinary care for your cat and compare it with the cost of insurance over time. Remember that insurance is a form of risk management, and it’s a personal decision based on your financial situation and comfort level.
  • Coverage Options: Different pet insurance policies offer various levels of coverage, deductibles, and reimbursement rates. Some policies cover only accidents and illnesses, while others may include preventive care, such as vaccinations or dental cleanings. Read the policy terms and conditions carefully, including any limitations, waiting periods, or exclusions, to ensure you understand what is covered and what is not.
  • Overall Health of Your Cat: If your cat is generally healthy and has no significant medical issues, you may find that the cost of insurance outweighs the potential benefits. On the other hand, if your cat is prone to certain breed-specific health conditions or has had previous health issues, insurance could be more beneficial.

Ultimately, the decision to get pet insurance for your cat is a personal one. It’s essential to weigh the potential benefits against the cost, evaluate the specific policy terms, and consider your cat’s individual circumstances. Consulting with your veterinarian and researching different insurance providers can also help you make an informed decision.

Canadian Providers

  • Provider
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • 4.9
    160
    $250, $300 or $500 annually
    At least 6 weeks old to enroll
    Request a quote
    Plan Details...

    Cost per month

    Plans average $35/month for dogs and $25 /month for cats

    Coverage

    You choose a reimbursement level of 70%, 80% or 90% after your deductible.

    Deductible

    $250, $300 and $500

    Age Limit

    Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old. Some providers limit coverage for older pets to accident-only. Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.

    More: Fetch Canada Pet Insurance Reviews

    Why Our Users Picked It:

    Users like that they can obtain a policy that offers a 90% reimbursement rate. Some also mentioned Fetch’s friendly and helpful customer service.

    Pros & Cons:

    Plan Limits

    • Per Condition Limit If your pet has a pre-existing condition—but it doesn’t reoccur or need treatment for 365 days—the condition will be covered going forward.
    • Lifetime Limit No annual policy limit means that there is no limit to the amount of money that you could be paid in a given year on all of your unexpected vet bills. Fetch pet insurance will continue paying you back.
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
    • Hospitalization Overnight stays at a licensed veterinary hospital anywhere in the U.S. or Canada for treatment, monitoring, or further testing.
    • Rehabilitation Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.
    • Continual Care Once we approve coverage for a condition, we will continue covering expenses for that condition for as long as the policy is active and maintains continuous coverage.
    • Emergency Visits Treatment at licensed emergency veterinary clinics anywhere in the U.S. or Canada.
    • Surgery The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
    • Dental Trauma We cover injury and disease in every adult tooth, not just the canines. Not all providers do. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma, and more.
    • Foreign Object Ingestion Yes
    • Congenital or Hereditary Conditions Not all providers cover medical conditions linked to breed, like breathing problems in French bulldogs or kidney stones in Burmese. We do.
    • Cancer Treatments The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
    • Dietary Supplements Any non-prescription medicinal substance, including but not limited to nutraceuticals, vitamins and herbal medicines, that a veterinarian recommends for the treatment of an injury or illness.
    • End of Life: Burial and Cremation We do not cover any after passing expenses such as burial or cremation.
    • Illness The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
    • Specialists Treatment by licensed veterinary specialists including, but not limited to, orthopedists, oncologists, orthodontists and cardiologists.
    • Prosthetics We don't have any specific limitations on this. We cover vet-recommended treatments deemed medically necessary as long as it's unrelated to a pre- existing condition.
    • End of Life: Euthanasia We cover euthanasia as long as it's vet recommended and unrelated to a pre-existing condition.
    • Prescription Drugs Any non-prescription medicinal substance, including but not limited to nutraceuticals, vitamins and herbal medicines, that a veterinarian recommends for the treatment of an injury or illness.
    • Outpatient Care Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.
    • Bilateral Conditions Yes, but the only bilateral exclusion we have on our policies is on the knees.
    • Travel Coverage We don't cover any travel fees, though we do have the vacation cancellation special coverage. This will reimburse up to $1,000 for any travel and accommodation costs you cannot recover if you have to cancel or cut short vacation during the policy period because your pet is injured or shows the first clinical sign(s) of an illness while you are away or up to seven (7) days before you leave, and as a result requires immediate lifesaving veterinary treatment.
    • Vet Exam Fees Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.
    • Medical Imaging Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.
    • Organ Transplants We can cover organ transplants as long as medically necessary and first pre-authorized and approved by us.
    • Wellness Cover Fetch pet insurance does cover wellness or routine vet office visits, which includes things like annual checkups, vaccines, spaying and neutering procedures, wellness exams, grooming services or teeth cleanings.
    • Lab Tests Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.
    • Behavioral Treatments Consultations with a vet to diagnose and treat behavioral disorders including, but not limited to, aggression, separation anxiety or phobias. Covered up to $1,000 per year.

    Plan Summary

    Fetch covers new injuries and illnesses that occur after the waiting period ends: things like foreign object ingestion, broken teeth, ACL ruptures, kidney disease… As long as it’s not a pre-existing condition, we’re there for just about anything that happens. We provide the most comprehensive coverage in the industry, and it’s all standard in your plan.

  • 4.9
    346
    As low as $100 annually
    At least 7 weeks old to enroll
    Request a quote
    Plan Details...

    Cost per month

    Monthly cost varies due to multiple factors including: species, breed, age, gender, and postal code, with premiums averaging $55/month.  

    Coverage

    Comprehensive accident & illness coverage with up to 80% reimbursement. Use any licensed vet in Canada or the U.S. All plans include coverage for exam fees & taxes, 24/7 telehealth powered by Vetsdirect Limited, and over $3000 in additional pet owner support benefits annually.

    Deductible

    As low as $100 annually

    Age Limit

    Pets must be at least 7 weeks and under 14 years old to enroll. Once enrolled, coverage will continue for as long as the pet remains enrolled.

    More: Furkin Pet Insurance Reviews

    Why Our Users Picked It:

    Some of the things users had to say about this company are “Exceptional customer service,” “Seamless sign up,” and “Best monthly price with lowest deductible.”

    Pros & Cons:

    Plan Limits

    • Per Condition Limit Unlimited
    • Lifetime Limit No lifetime limits
    • Deductible Type Once annual
    • Direct Pay

    What is Covered?

    • Accident and Injury
    • Hospitalization
    • Rehabilitation
    • Continual Care
    • Emergency Visits
    • Surgery
    • Dental Trauma
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions
    • Cancer Treatments
    • Dietary Supplements
    • End of Life: Burial and Cremation
    • Illness
    • Specialists
    • Prosthetics
    • End of Life: Euthanasia
    • Prescription Drugs
    • Outpatient Care
    • Bilateral Conditions
    • Travel Coverage
    • Vet Exam Fees
    • Medical Imaging
    • Organ Transplants
    • Wellness Cover
    • Lab Tests
    • Behavioral Treatments

    Plan Summary

    Furkin Pet Insurance provides comprehensive accident and illness coverage for dogs and cats. Other than pre-existing conditions and routine/preventive care, we’re here to help you and your pet with just about all other unexpected accidents and illnesses. With Furkin, you also get sick visit exam fees, taxes, and 24/7 telehealth included, plus over $3,000 in additional pet owner support benefits each year.

  • 4.8
    25,882
    $0 – $1000 per condition
    Can enroll pets from birth
    Request a quote
    Plan Details...

    Cost per month

    Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.

    Coverage

    One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. To view a full list of inclusions and exclusions, check out our sample policy here.

    Deductible

    You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.

    Age Limit

    All pets under 14 years old can enroll. Once enrolled, pets stay insured regardless of age.

    More: Trupanion Canada Pet Insurance Reviews

    Why Our Users Picked It:

    Many users raved about Trupanion’s direct billing. They also will pay up to 90% of the bill, depending on the plan. Users also appreciate the excellent customer service.

    Pros & Cons:

    Plan Limits

    • Per Condition Limit Unlimited
    • Lifetime Limit Unlimited
    • Deductible Type Condition
    • Direct Pay

    What is Covered?

    • Accident and Injury Unlimited
    • Hospitalization Unlimited
    • Rehabilitation Unlimited
    • Continual Care
    • Emergency Visits Unlimited
    • Surgery Unlimited
    • Dental Trauma Unlimited
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions Unlimited
    • Cancer Treatments Unlimited
    • Dietary Supplements Unlimited
    • End of Life: Burial and Cremation Unlimited - Covered with purchase of additional rider
    • Illness Unlimited
    • Specialists Unlimited
    • Prosthetics Unlimited
    • End of Life: Euthanasia
    • Prescription Drugs Unlimited
    • Outpatient Care Unlimited
    • Bilateral Conditions Unlimited
    • Travel Coverage Unlimited - If travelling in US and Canada.
    • Vet Exam Fees
    • Medical Imaging Unlimited
    • Organ Transplants Unlimited
    • Wellness Cover
    • Lab Tests Unlimited
    • Behavioral Treatments Unlimited - Covered with purchase of additional rider and if prescribed and performed by licensed veterinarian

    Plan Summary

    Trupanion’s biggest differentiator is that they can pay your veterinarian directly and in as little as 5 minutes. With the vet direct pay option, there is no waiting weeks for reimbursement. You simply pay your portion of the bill and Trupanion takes care of the rest, working directly with your veterinarian. Trupanion offers one simple plan that pays 90% of actual veterinary costs for eligible claims once your deductible for that condition is met and offers unlimited lifetime coverage with no payout limits or caps.

  • 4.8
    147
    $100 - $300 annually
    At least 8 weeks old to enroll
    Request a quote
    Plan Details...

    Cost per month

    Monthly cost varies due to multiple factors including: species, breed, age at enrollment, and postal code.

    Coverage

    The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

    Deductible

    Age-based annual deductible of $100, $150, $200, $250 or $300.

    Age Limit

    Dogs: 8 weeks through 10 years, 11 months Cats: 8 weeks through 12 years, 11 months Accident Only plan option can be offered regardless of upper age limits

    More: Spot Canada Pet Insurance Reviews

    Why Our Users Picked It:

    Many users raved about how easy it is to get a quote from Spot. Quite a few people also mentioned friendly customer service and quick reimbursement payments.

    Pros & Cons:

    Plan Limits

    • Per Condition Limit
    • Lifetime Limit
    • Deductible Type
    • Direct Pay

    What is Covered?

    • Accident and Injury Covered up to the selected annual limit
    • Hospitalization Covered up to the selected annual limit
    • Rehabilitation Covered up to the selected annual limit
    • Continual Care Covered up to the selected annual limit
    • Emergency Visits Covered up to the selected annual limit
    • Surgery Covered up to the selected annual limit
    • Dental Trauma Covered up to the selected annual limit
    • Foreign Object Ingestion Covered up to the selected annual limit
    • Congenital or Hereditary Conditions Covered up to the selected annual limit
    • Cancer Treatments Covered up to the selected annual limit
    • Dietary Supplements Covered up to the selected annual limit
    • End of Life: Burial and Cremation Covered up to the selected annual limit
    • Illness Covered up to the selected annual limit
    • Specialists Covered up to the selected annual limit
    • Prosthetics Covered up to the selected annual limit
    • End of Life: Euthanasia Covered up to the selected annual limit
    • Prescription Drugs Covered up to the selected annual limit
    • Outpatient Care Covered up to the selected annual limit
    • Bilateral Conditions Covered up to the selected annual limit
    • Travel Coverage Covered up to the selected annual limit
    • Vet Exam Fees Covered up to the selected annual limit
    • Medical Imaging Covered up to the selected annual limit
    • Organ Transplants Covered up to the selected annual limit
    • Wellness Cover Covered up to the selected annual limit
    • Lab Tests Covered up to the selected annual limit
    • Behavioral Treatments Covered up to the selected annual limit

    Plan Summary

    Spot is committed to helping pets lead longer, healthier lives by providing pet health insurance with best-in-breed service and high-quality coverage.  This is especially important at a time when vet care is becoming more expensive each year. Spot’s focus is to provide pet owners with the tools to help create a world of healthier pets and happier owners. Our pets are part of our pack, and it’s important to treat them with the same respect as our human family. A big part of that is to provide proper healthcare for our furry friends and enable a healthy lifestyle for pet families at both ends of the leash. With the costs of today’s pet care, having Spot in your corner is helpful for your pet’s health and wellness needs. Spot policies help cover a wide range of covered conditions such as accidents, illnesses, medications, diagnostics, exams for covered conditions, and treatment—even alternative therapies. Spot also provides preventative plans, which include dental cleanings, vaccinations, flea prevention and more for a little extra cost! Spot wants pet parents to worry less and play more with their furry family. Discover the peace of mind of having Spot Pet Insurance.

  • 4.5
    28
    $200 annually
    At least 7 weeks old to enroll
    Request a quote
    Plan Details...

    Cost per month

    As low as $8.44 per month for cats and $11.20 per month for dogs with average premiums of $38.66/mo for dogs and $21.87/mo for cats.

    Coverage

    PHI Direct covers: Accidents, New Illnesses, Emergency Care, Sick Visit Exam Fees, Applicable Taxes, Referral and Specialist Fees, Alternative Therapies, Anesthesia & Surgery, Behavioural Therapy, Dental Tooth Fracture, Diagnostics, Euthanasia, Hospitalization, Imaging – CT Scans, MRI and X-Rays, Medical Devices, Medical Procedures, Prescription Medications, Parasites

    Deductible

    $200 Annual Deductible

    Age Limit

    Pets must be at least 7 weeks or under 14 years of age at the time of enrollment. Once enrolled, coverage will continue for as long as the pet remains enrolled.

    More: PHI Direct Pet Insurance Reviews

    Why Our Users Picked It:

    Users appreciate the quick and easy claims process. Many mentioned the great customer service and online support.

    Pros & Cons:

    Plan Limits

    • Per Condition Limit
    • Lifetime Limit
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury
    • Hospitalization
    • Rehabilitation
    • Continual Care
    • Emergency Visits
    • Surgery
    • Dental Trauma
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions
    • Cancer Treatments
    • Dietary Supplements
    • End of Life: Burial and Cremation
    • Illness
    • Specialists
    • Prosthetics
    • End of Life: Euthanasia
    • Prescription Drugs
    • Outpatient Care
    • Bilateral Conditions
    • Travel Coverage
    • Vet Exam Fees
    • Medical Imaging
    • Organ Transplants
    • Wellness Cover
    • Lab Tests
    • Behavioral Treatments

    Plan Summary

  • 4.1
    812
    $100 – $700 annually
    At least 7 weeks old to enroll
    Request a quote
    Plan Details...

    Cost per month

    Monthly costs vary based on your pet’s species, age, and location, as well as your chosen plan. Customize coverage to suit your pet’s needs and your budget.

    Coverage

    You have a co-pay of 10%, 20% or 30%. The pay-out amount is based on your actual vet bill and includes coverage of exam fees and taxes.

    Deductible

    $100 – $700 age-based annual deductible.

    Age Limit

    Pet must be at least 7 weeks old to enroll. There is no upper age limit.

    More: Pets Plus Us Pet Insurance Reviews

    Why Our Users Picked It:

    Awesome customer service and prompt payments are just a couple of the reasons users are happy with this provider.

    Pros & Cons:

    Plan Limits

    • Per Condition Limit
    • Lifetime Limit
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury
    • Hospitalization
    • Rehabilitation
    • Continual Care
    • Emergency Visits
    • Surgery
    • Dental Trauma
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions
    • Cancer Treatments
    • Dietary Supplements
    • End of Life: Burial and Cremation
    • Illness
    • Specialists
    • Prosthetics
    • End of Life: Euthanasia
    • Prescription Drugs
    • Outpatient Care
    • Bilateral Conditions
    • Travel Coverage
    • Vet Exam Fees
    • Medical Imaging
    • Organ Transplants
    • Wellness Cover
    • Lab Tests
    • Behavioral Treatments

    Plan Summary

FAQ

Here are the top pet insurance companies based on reviews from pet parents just like you!

faq-dog
What does cat insurance cover?

Cat insurance covers veterinary expenses for your cat throughout their life. The coverage details are unique to the insurance policy and provider you choose. 

Comprehensive cat insurance plans help with costs throughout your cat’s life. These plans have varying coverage offerings for vaccinations, routine care, and even spay/neuter procedures. 

Other cat insurance plans are just accident or emergency-based as a backup plan if an accident happens; for example, your cat ingests something and needs emergency care. Emergency vet costs are expensive, so cat insurance is a plan for the unforeseen. 

How much does cat insurance cost?

Much like human health insurance, there are options for deductible pricing, co-pays, and premiums. Your cat’s age, location, and breed factors will determine these variable costs. 

Choosing the best cat insurance plan for you will be different for everyone. Cat insurance is for all pet owners, but the coverage details are custom to you. It is essential to read the differences in plan offerings to choose the plan that best fits your needs and budget.

How does cat insurance work?

Cat insurance plans are comparable to car insurance plans. The costs and coverage details are pre-determined when you enroll in a plan. 

As your cat needs vet care that is covered by your policy, you will submit your claim as directed by your provider’s request. Often, you will pay a deductible, and after your deductible, your insurance company will reimburse you for a percentage of the cost beyond the deductible. 

Each policy will vary in coverage details. Your policy will define what is included before purchasing, so it is important to compare multiple plan offerings to make the most informed decision for your pet’s healthcare. 

Who is cat insurance for?

Everyone! The cost of veterinary care can be expensive. Vet bills can add up quickly, especially as your cat ages or if they have a chronic illness. 

The cost of treatment and follow-up care can be a financial burden on you and your family. Cat insurance will lessen the blow of an unexpected accident or a long-term medical condition.

Cat health insurance is a protection in case of emergency. It is promising to give your cat the best care for its life. 

Get a quote today

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