Comparing Dog Insurance in Canada

Comparing Dog Insurance in Canada

Find & Compare the Top Pet Insurance Companies

The best dog insurance plan is custom to your pet

By purchasing dog insurance, you promise the best healthcare for your dog. 

Things to consider when searching for a health insurance plan for your dog:

What is the cost of available dog insurance options?
Factors like breed and age will determine deductibles and monthly premium offers. When it comes time to enroll in a pet plan, you need to ensure the pet insurance plan provides adequate coverage at an affordable price. 

What do you want your plan to cover?
You should consider if you want a plan for emergencies, or do you want coverage for routine care included? It’s also important to look into pet insurers with the best pet health care network; this will ensure your pet is covered by nearly every licensed veterinarian, depending on what policy you opt for. 

What are other pet owners saying about the provider?
We recommend choosing pet insurance companies that provide excellent customer service and clear cost information that you understand. 

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

  • Provider
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • 4.8
    25,265
    $0 – $1000 per condition
    Can enroll pets from birth
    Request a quote

    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.

  • 4.5
    900
    $250, $300 or $500 annually
    At least 6 weeks old to enroll
    Request a quote

    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.

  • 5
    229
    As low as $100 annually
    At least 7 weeks old to enroll
    Request a quote

    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.

  • 4.9
    24
    $200 annually
    At least 7 weeks old to enroll
    Request a quote

    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

  • 4.1
    543
    $100 – $700 annually
    At least 7 weeks old to enroll
    Request a quote

    Cost per month

    $19 – $89, depending on your chosen plan.

    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.

FAQ

The important answers to help you make an informed decision.

faq

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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