Find the Best Dog Insurance Companies in Canada

Pet Insurance for Dogs

 

Pet insurance for dogs is a type of coverage that helps protect you from unexpected veterinary expenses.

It operates similarly to health insurance for humans, providing financial assistance for medical treatments and procedures related to your dog’s health.


Here are some key points to consider when looking into pet insurance for dogs:

  • Coverage: Pet insurance typically covers a range of treatments and services, including accidents, illnesses, surgeries, hospitalizations, diagnostic tests, medications, and sometimes even preventive care like vaccinations and annual check-ups. Make sure to review the policy details to understand what is covered and any exclusions or limitations.
  • Cost: The cost of pet insurance varies depending on factors such as your dog’s breed, age, location, and the level of coverage you choose. Generally, you’ll pay a monthly or annual premium, along with deductibles and co-pays. Some insurers offer customizable plans, allowing you to select coverage options that suit your budget and needs.
  • Pre-existing conditions: Most pet insurance policies do not cover pre-existing conditions, which are health issues that existed before the policy was purchased. It’s essential to understand how the insurer defines and handles pre-existing conditions to avoid any surprises later on.
  • Waiting periods: Many pet insurance policies have waiting periods before certain coverages become effective. For example, there might be a waiting period of 14 days for illness coverage after the policy’s start date. This means you won’t be able to make claims for illnesses during that initial period.
  • Claim process: Familiarize yourself with the insurer’s claim process. Some companies require you to pay the veterinary bill upfront and then submit a claim for reimbursement, while others may have a direct payment arrangement with selected veterinary clinics.
  • Provider network: Check if the insurance company has a network of preferred veterinarians or if you have the freedom to choose any licensed veterinarian. Ensure that your preferred veterinarian accepts the insurance you’re considering.
  • Reviews and reputation: Research the insurance provider’s reputation, customer reviews, and ratings from reliable sources to gain insights into their customer service, claims handling, and overall satisfaction level.

Before deciding on a pet insurance policy, it’s wise to compare different providers, review their policy details, and consider your dog’s specific needs, health history, and potential risks. This way, you can make an informed decision about the coverage that will best suit your dog and your financial situation.

Canadian Providers

  • Provider
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • 4.9
    152
    $250, $300 or $500 annually
    At least 6 weeks old to enroll
    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.

    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
    345
    As low as $100 annually
    At least 7 weeks old to enroll
    Plan Details...

    Cost per month

    As low as $15.50 per month for cats and $17.28 per month for dogs. Furkin is currently waiving their $35 enrollment fee.

    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.

    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
    25,872
    $0 – $1000 per condition
    Can enroll pets from birth
    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.

    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
    25
    $200 annually
    At least 7 weeks old to enroll
    Plan Details...

    Cost per month

    As low as $10.19 per month for cats and $15.20 per month for Dogs

    Coverage

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

    Deductible

    $200 Annual Deductible

    Age Limit

    7 Weeks Must be enrolled prior to the pets 14th Birthday, coverage will continue for as long as the pet remains enrolled

    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

  • 4.8
    147
    $100 - $300 annually
    At least 8 weeks old to enroll
    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

    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.

  • 4.1
    701
    $100 – $700 annually
    At least 7 weeks old to enroll
    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.

    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

The important answers to help you make an informed decision.

faq-dog
What does dog insurance cover?

Pet health insurance is similar to human health insurance. It covers your dog’s veterinary bills in case of illness or injury. It can also cover things like pet wellness visits, dog dental cleanings, vaccinations, and the cost of spay/neuter procedures.

The most comprehensive plans cover everything from checkups to accidents and illness. Basic plans only cover accidents and unexpected injury or illness. 

It’s essential to find a pet insurance plan that works for you and your pet so that your pet will always be cared for.

How much does dog insurance cost?

Choosing the best pet insurance plan isn’t about finding the cheapest option. It’s all about finding the coverage that best meets your needs and budget; without sacrificing your dog’s health.

The cost of dog insurance will vary depending on what is included in your individualized policy. The coverage included in plans can range from basic accident and illness coverage to complete nose-to-tail protection.

Most insurers offer varying co-payment and deductible options, and the age and breed of your pet and where you live can also affect your pet insurance premiums. It is important to compare a range of insurers to find a policy that best suits your individual needs and budget.

What are pre-existing conditions, and are they covered?

Most dog insurance providers won’t cover pre-existing conditions in any basic plan. Your insurance policy is unlikely to cover treatment related to these known conditions.

Some providers will include these pre-existing conditions on the higher-priced plans. A recurring health problem or a condition, such as diabetes or cancer, will typically be classified as a pre-existing condition by your insurer.

Because most pet insurance companies don’t cover pre-existing conditions, it’s important to take out health insurance for your pet while they’re still young. Most pet insurance companies will enroll pets as young as six weeks old.

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