What is the Best Pet Insurance in Alberta for 2025?
- Injuries, illnesses, dental illnesses
- Veterinary fees
- Surgeries and emergency care
- Cancer treatment
- Advertising/rewards for lost or stolen pets
- Injuries, illnesses, dental illnesses
- Veterinary fees
- Surgeries and emergency care
- Cancer treatment
- Advertising/rewards for lost or stolen pets
Fetch Pet Insurance offers a single, comprehensive plan tailored for pet owners who want extensive yet flexible coverage. With annual limit options of $5,000, $10,000, or $15,000 and customizable reimbursement rates (70%, 80%, or 90%), Fetch allows pet parents to find a plan that fits their budget. The plan covers accidents, illnesses, hereditary conditions, and advanced treatments, although there is no unlimited coverage tier. Deductibles range from $300 to $700 and are age-based, offering some adaptability based on your pet’s needs.
What sets Fetch apart is its inclusive dental coverage for all teeth and gum disease—something many other providers overlook. The plan also includes alternative therapies like acupuncture and behavioural treatments, as well as sick-visit exam fees, which are often excluded by competitors. Additional perks include lost pet advertising, boarding fees during the owner's hospitalization, and a wellness add-on for routine care. Fetch also offers a Healthy Pet Credit, lowering premiums by up to 30% after two claim-free years. However, there’s no option for direct vet payment—claims must be paid out-of-pocket first.
Fetch does have some drawbacks. It doesn’t cover pre-existing conditions, prescription food, or late claims (over 90 days). A six-month waiting period applies to hip and knee issues, though this can be waived with a timely vet exam. It’s also unavailable in New Brunswick and Quebec. Still, for pet owners looking for generous dental and therapeutic coverage with flexible plan design, Fetch is a top-tier contender.
Ideal Profile: Best for pet owners looking for comprehensive accident, illness, and dental coverage, with flexible reimbursement and deductible options. Especially recommended for younger pets who are more prone to accidents and illnesses—getting coverage early can help secure lower premiums and ensure broad eligibility for care.
- Comprehensive accident and illness coverage
- Extensive dental coverage (includes all teeth and gum disease)
- Covers alternative therapies (acupuncture, chiropractic care, behavioural therapy)
- Sick-visit exam fees included (saves $50–$250 per visit)
- Flexible reimbursement options: 70%, 80%, or 90%
- Annual limits of $5,000, $10,000, or $15,000
- No upper age limit for pet enrollment
- Healthy Pet Credit: Up to 30% off premiums with no claims for two years
- No unlimited coverage option
- No direct vet payment (must pay upfront and get reimbursed)
- Not available in New Brunswick or Quebec
- Routine wellness care requires an additional add-on
- No per-incident or lifetime caps
- Injuries, Illnesses & Wellness Care
- Next-Day Accident Coverage
- Microchipped Pet Discount Available
- Up to 15% Multi-Pet Discount Available
- No per-incident or lifetime caps
- Injuries, Illnesses & Wellness Care
- Next-Day Accident Coverage
- Microchipped Pet Discount Available
- Up to 15% Multi-Pet Discount Available
Spot Pet Insurance offers flexible, affordable coverage with two main plans: Accident & Illness and Accident-Only. Annual coverage ranges from $5,000 to unlimited, with reimbursement rates of 70% to 90% and low deductibles starting at $100 (age-based). Unlike many competitors, Spot includes behavioural treatments and pet owner assistance in its standard plans. While dental illnesses aren’t covered by default, optional wellness add-ons can provide preventive and dental care.
Spot’s Accident & Illness plan covers vet exams, diagnostics, surgeries, hospital stays, hereditary issues, and alternative therapies. A standout feature is its next-day accident coverage—much faster than most providers. Spot also offers a 5% discount for microchipped pets, a 5% multi-pet discount for two pets, and 10% for three or more. However, it does not include a 24/7 vet helpline, which some competitors now offer.
However, there are a few drawbacks to consider. Dental illness coverage requires an upgrade. Spot Pet Insurance is also not available in Quebec. Still, with its fast accident coverage, customizable plans, and multiple discounts, Spot is a great fit for pet owners seeking flexible, budget-conscious insurance.
Ideal Profile: Best for pet owners looking for customizable accident & illness coverage with flexible reimbursement options. Ideal for those who want quick accident coverage, lower deductibles, and discounts for multiple pets or microchipped pets. Especially recommended for younger pets, who are more prone to accidents and can benefit from fast coverage.
- Multiple annual coverage options, including unlimited coverage
- Covers alternative therapies and behavioural issues in standard plans
- Next-day accident coverage (shorter waiting periods than most providers)
- Lower deductibles ($100-$300) compared to some competitors
- Multi-pet discount (5% for two pets, 10% for three or more)
- 5% discount for microchipped pets
- Optional wellness add-ons for routine and preventive care
- Highly positive customer reviews for claim processing and affordability
- Age-based deductibles and reimbursement rates increase as pets age
- No 24/7 vet helpline
- Not available in Quebec
- No dental illness coverage in standard plans (requires add-on)
- Accidents and illnesses
- Exam fees and taxes
- Hereditary conditions
- Multi-pet discount
- Accidents and illnesses
- Exam fees and taxes
- Hereditary conditions
- Multi-pet discount
Pets Plus Us offers two main plans: Accident & Illness and Accident Only—making it one of the few Canadian insurers with an accident-only option. The Accident & Illness plan comes with annual coverage limits of $7,500 or $15,000 and customizable reimbursement rates (70%, 80%, or 90%), while the Accident Only plan offers a fixed $5,000 limit and 80% reimbursement. Deductibles are age-based, starting at $100 and increasing with the pet’s age.
Coverage includes hereditary conditions, diagnostics, hospitalization, surgeries, medications, behavioural therapy, and alternative treatments like acupuncture. Both plans include extra benefits like boarding fees, trip cancellation, and end-of-life expenses. Blue Ribbon Benefits add value with 24/7 vet access, poison control, and grief counselling.
Pets Plus Us stands out with its 4Life Guarantee, which ensures lifelong coverage as long as the policy stays active, and there are no breed exclusions. However, it doesn’t cover dental care, pre-existing conditions, or preventive treatments, and lacks an unlimited coverage option.
Ideal Profile: Best for pet owners looking for customizable coverage with strong accident and illness protection. The Accident & Illness plan is ideal for those wanting comprehensive care, while the Accident Only plan is a budget-friendly alternative perfect for younger and active pets. A great fit for those seeking lifetime coverage with no breed restrictions.
- Two customizable annual limits: $7,500 or $15,000
- Accident-only plan available for budget-conscious pet owners
- Reimbursement options of 70%, 80%, or 90% for Accident & Illness
- Covers hereditary and congenital conditions
- Alternative therapies and behavioral therapy included
- $1,000 in additional benefits per incident for trip cancellations, boarding, lost pet advertising, and end-of-life costs
- 4Life Guarantee ensures lifetime renewability
- No breed exclusions
- No unlimited coverage option
- Dental care and routine wellness treatments not covered
- Pre-existing conditions are excluded
- Deductible increases with pet’s age
- Care and intervention
- Diseases and accidents
- Advertising/reward for a lost or stolen pet
- Direct payment by veterinarians at participating veterinary hospitals
- Care and intervention
- Diseases and accidents
- Advertising/reward for a lost or stolen pet
- Direct payment by veterinarians at participating veterinary hospitals
Trupanion Canada offers a simple yet robust pet insurance plan with 90% reimbursement and no payout limits—making it one of the few providers with truly unlimited coverage. Instead of annual deductibles, it uses a per-condition lifetime deductible, so you only pay once per issue, no matter how long treatment continues. Coverage begins after a 5-day waiting period for accidents and 30 days for illnesses.
The core plan includes diagnostics, surgeries, hospital stays, medications, and hereditary conditions. Trupanion Pet Insurance’s standout feature is its Vet Direct Pay system, allowing the insurer to pay your vet directly at checkout (at participating clinics), avoiding out-of-pocket costs. Optional add-ons cover alternative therapies and lost pet support.
While Trupanion Canada offers excellent long-term value for pets with chronic conditions, it doesn’t cover exam fees or routine care. Premiums are generally higher, but the unlimited coverage and direct vet payment make it a strong option for owners seeking dependable, lifetime protection.
Ideal Profile: Best for pets with chronic or hereditary conditions, especially if you're worried about long-term treatment costs. A solid choice for owners who want predictable costs and peace of mind, particularly for breeds prone to specific health issues. Not ideal if you're looking for coverage on routine checkups or want to customize reimbursement levels.
- 90% reimbursement
- No annual or lifetime payout caps
- Lifetime per-condition deductible is ideal for chronic conditions
- Option to pay vets directly at checkout
- Covers congenital and hereditary conditions
- Fast claims processing
- No coverage for exam fees or wellness/routine care
- Higher premiums compared to other providers
- Limited customization
- Not ideal for owners seeking coverage for preventative care
- Illness and accidents
- Dental care included
- Behavioural therapy
- Exams fees
- Illness and accidents
- Dental care included
- Behavioural therapy
- Exams fees
PHI Direct offers a simple, affordable pet insurance plan with two annual coverage limit options: $5,000 or $10,000. It features 80% reimbursement and a low $200 annual deductible, making it an accessible choice for budget-conscious pet owners. What makes PHI Direct unique is its “New-Condition Coverage” model—any condition treated during the policy year is considered pre-existing the following year, which helps keep premiums low but limits long-term coverage for recurring or chronic conditions.
The plan covers a broad range of treatments, including accidents, illnesses, surgeries, hospitalization, prescriptions, diagnostics, and even alternative therapies like acupuncture and physiotherapy. Exam fees and taxes are also covered, and 24/7 telehealth access is included for added convenience. Pets can be enrolled from 7 weeks up to 14 years old, and a 5% multi-pet discount is available. However, PHI Direct doesn’t cover routine dental care, wellness services, bilateral conditions, or ongoing treatment for issues from a prior policy year.
PHI Direct is best suited for young, healthy pets whose owners want low-cost protection against new accidents and illnesses. Its streamlined, no-frills model offers solid short-term value, but it's not ideal for pets with ongoing medical needs or those prone to chronic conditions.
Ideal Profile: Best for young, healthy pets or pet owners looking for affordable accident and illness coverage without ongoing treatment needs. The low-cost premiums and straightforward policy make it a good option for budget-conscious pet parents. Not suitable for pets with chronic conditions, as prior-year treatments are excluded from future coverage.
- Two affordable annual coverage options: $5,000 or $10,000
- Low $200 deductible, making claims reimbursement quicker
- Exam fees, taxes, and alternative therapies included
- 24/7 Telehealth support for quick pet health consultations
- 5% multi-pet discount for households with multiple pets
- Keeps premiums lower over time with the New-Condition model
- New-Condition Coverage model means conditions covered one year are excluded the next
- No coverage for pre-existing conditions, wellness care, or preventive treatments
- Bilateral conditions (e.g., hip dysplasia, cruciate ligament issues) are not covered
- Not ideal for pets with chronic illnesses requiring long-term treatment
Canadians just love pets and over half the country's households own at least one pet. But it is Alberta that takes the cake when it comes to the most pets per home because in Wild Rose Country over 63% of households have pets.
But with great pet ownership comes greater responsibility—and expenses soar like a soaring eagle, year after year, fueled by the relentless winds of inflation. Now this is where having the best pet insurance in Alberta becomes crucial.
HelloSafe has put together this complete guide on the best pet insurance in Alberta, pricing info, coverage, and more. You can also use our free comparator that will give you quick quotes on the best pet insurance in Alberta, and in just a matter of seconds.
Top 5 best pet insurance in Alberta for 2025
- Fetch Pet insurance: Policy that suits every budget
- Trupanion Pet Insurance: High reimbursement rate
- Desjardins Pet Insurance: Holistic coverage
- Pets Plus Us Pet Insurance: Policy with valuable affiliates
- Furkin Pet Insurance: Policy with lifetime coverage
Fetch Pet insurance: Policy that suits every budget
Fetch by The Dodo is a trusted pet insurance company that has been providing reliable coverage since 2007. Affordability is a top priority for Fetch Pet Insurance. They offer a range of premiums and discounts to suit different budgets.
While Fetch pet insurance doesn't offer unlimited coverage, their generous annual maximum of $15,000 provides ample protection for most pet-related issues. What makes Fetch stand out is their commitment to customization. Policyholders can tailor their coverage to meet their specific needs.
Customers can choose from different annual deductibles of $250, $300, or $500, select an annual coverage limit of $5,000, $10,000, or $15,000, and decide on a reimbursement rate of 70%, 80%, or 90%.
Fetch goes beyond basic coverage by offering extensive dental coverage for your pet's oral health. They also provide pet owner assistance, offering guidance and support when you need it.
Additionally, the Fetch pet insurance policy includes valuable features like lost pet advertising and boarding during medical emergencies. They also have attractive offers for specific groups, such as a 10% discount for shelter rescues or adopted pets, and a 10% discount for active or retired service members.
Let's take a quick look at the pros and cons of Fetch Pet Insurance.
Pros of Fetch Pet Insurance
- Comprehensive coverage for various conditions, treatments
- Flexible pricing options based on deductible, coverage, reimbursement
- Exclusive access to Fetch Forward technology for personalized advice
- Fast and easy claim process with prompt payment
- Extensive dental coverage
- No enrolment fee and flexible cancellation policy
Cons of Fetch Pet Insurance
- Does not cover pre-existing conditions
- Lack of coverage for routine preventative care
- No multi-pet discount
- Not available in New Brunswick and Quebec
- No vet direct pay
What does Fetch Pet Insurance cover?
Here's an overview of what's covered under this policy.
- Veterinary Exam Fees
- Emergency Vet Visits
- Specialist Vet Visits
- Comprehensive Dental
- Breed-specific Conditions
- Complete Sick Visit
- Injuries & Illnesses
- Virtual Vet Visits
- Diagnostic Tests
- Imaging & Ultrasound
- Holistic & Chiropractic care
- Behavioural Therapy
- Cancer Treatment
- Surgery & Rehabilitation
Now that you're aware of what is covered, it's important to understand what Fetch pet insurance doesn't cover.
Watch out!
Fetch, like other pet insurances in Canada, does not cover pre-existing conditions. Expenses related to breeding, pregnancy, and whelping are also excluded. Additionally, the policy does not cover cruciate ligaments or hip dysplasia within the first 6 months. Further, the policy does not cover prescription diet foods, routine vet visits, elective procedures, and cosmetic surgeries.
You can get a quick pet insurance quote from our partner Fetch in just a few seconds:
Trupanion Pet Insurance: High reimbursement rate
Trupanion Pet Insurance has been a trusted player since 1998, known for its exceptional Lifetime Policy.
They stand out with an impressive claim payout of nearly $2 billion and offer unlimited coverage with a high reimbursement rate of 90%. What's even better, there are no limits on per incident, annual, or lifetime payouts.
Trupanion understands that every pet owner has unique needs, so they let you customise your deductible. Whether you prefer no deductible or up to $1,000, you can find a monthly cost that suits your budget.
A standout feature of Trupanion Pet insurance is their lifetime per condition deductible. This means you only pay when your pet develops a new condition.
While routine wellness care isn't covered, Trupanion focuses on providing fast service and convenience. They can even pay your vet directly, saving you from filing claims.
Trupanion goes above and beyond by offering comprehensive coverage for alternative medicine and therapies, including treatments like bone marrow transplants, herbal therapy, and stem cell therapy.
It's important to note that Trupanion doesn't cover wellness care or exam fees. They prioritize essential medical expenses in their plans.
Let's take a quick look at the pros and cons of Trupanion.
Pros of Trupanion Canada
- 90% reimbursement
- Unlimited coverage without payout limits
- Customizable deductible from $0 to $1,000
- Per medical condition lifetime deductible
- Vet direct pay option
- 24/7 support from award-winning customer care team
Cons of Trupanion Canada
- Does not cover pre-existing conditions
- Relatively higher premiums
- Limited coverage options compared to some competitors
- Does not include wellness and preventative/routine care
- Does not cover exam fees
What does Trupanion Pet Insurance cover?
Here's an overview of what's covered under this policy.
- Hereditary conditions
- Undiagnosed issues
- Congenital conditions
- Diagnostic tests
- Surgeries
- Hospital stays
- Medications
- Veterinary supplements
- Herbal therapy
- Prosthetic devices and carts
- Orthotics
- Breed-specific conditions
Now that you're aware of what is covered, it's important to understand what Trupanion pet insurance doesn't cover.
Watch out!
Pre-existing conditions are not covered under Trupanion pet insurance. The policy does not offer coverage for expenses like exam fees, wellness care (including parasite control, spaying/neutering, and vaccinations), elective procedures (such as tail docking, ear cropping, declawing, and dewclaw removal), as well as costs related to cremation, burial, and post-mortem expenses.
Desjardins Pet Insurance: Holistic coverage
Desjardins Pet Insurance Program has been a popular choice for comprehensive coverage since 2013. Backed by Petline Insurance, with over 28 years of experience and insuring over 1.2 million pets, Desjardins offers reliable and trusted protection.
With three plans to choose from – Bronze Paw, Silver Paw, and Gold Paw – Desjardins Insurance caters to diverse pet owner needs. The Silver Paw and Gold Paw plans stand out for their extensive dental care coverage, including cleanings.
Desjardins pet insurance costs vary depending on the chosen plan. On average, monthly prices range from $37 for dogs and $26 for cats on the basic policy to $136 for dogs and $87 for cats on more comprehensive coverage options.
Bronze Paw plan holders have the option to add $500 coverage specifically for dental care. The maximum coverage amounts are slightly lower, with $2,000 for Bronze Paw and $4,000 for Silver Paw, while the Gold Paw plan offers unlimited coverage.
Pet owners with three or more furry companions can benefit from a valuable 10% discount on their monthly premiums, making it even more cost-effective to insure multiple pets with Desjardins.
Let's take a quick look at the pros and cons of Desjardins Pet Insurance.
Pros of Desjardins Pet Insurance
- Desjardins has a comprehensive online portal
- They offer three plans to suit your pets needs
- You can insure a pet at any age
Cons of Desjardins Pet Insurance
- There are no discounts available until 3 pets
- Behavioural, alternative therapies and medical device coverage are add-ons
What does Desjardins Pet insurance cover?
Here's an overview of what's covered under this policy.
- X-rays
- Hospitalisation
- Veterinary diagnostics and treatment
- Prescription drugs
- Surgery
- MRIs
- Chemotherapy
- Preventive care coverage
- Dental care
- Behavioural therapy (add-on)
- Alternative therapy (add-on)
Now that you know what Desjardins Pet Insurance covers, let's see what it doesn't cover.
Watch out!
Desjardins does not cover pre-existing conditions. Expenses related to flea control and pet food, including prescription diet and therapeutic nutrition, are not included. Spaying or neutering procedures are not covered by Desjardins Pet Insurance either. It's important to note that euthanasia is not covered, except in cases where it is recommended due to an insured incident or illness.
PetsPlusUs Pet Insurance: Policy with valuable affiliates
PetsPlusUs, a well-established pet insurance company, is celebrating a remarkable milestone as it enters its 10th year of operation in 2023. Over the past decade, they have positively impacted the lives of 100,000 beloved pets and earned a reputation for reliable coverage.
What sets PetsPlusUs Pet Insurance apart is their dedication to individual cases and their support for animal welfare groups. They have donated over $250,000 and reimbursed a staggering $21 million in claims, demonstrating their commitment to animal well-being.
PetsPlusUs Pet Insurance offers exclusive member discounts through esteemed partnerships with organisations like Costco and CAA.
Costco Pet Insurance provides a generous 15% discount for Executive Members and a valuable 10% discount for Gold Star and Business Members, making their coverage accessible and affordable.
With three comprehensive plans and the option to add wellness benefits through the Flex Care policy, PetsPlusUs offers flexibility to pet owners. They simplify the claims process by making direct payments to veterinarians for costly cases.
One notable advantage of PetsPlusUs is the absence of special waiting periods, ensuring pets receive coverage promptly.
They also offer customisability in monthly premiums, allowing pet owners to tailor their coverage based on deductible and reimbursement rate options that suit their specific needs.
Their accident and illness plans provide robust coverage options of $7,500 or $15,000, offering extensive protection for pets. Additionally, their accident insurance plan offers coverage of $5,000.
For the accident and illness plan, pet owners can choose reimbursement rates of 70%, 80%, or 90% of the veterinary bill, including taxes. The accident insurance plan offers a fixed reimbursement rate of 80%.
PetsPlusUs takes pride in their 4Life Guarantee, which ensures continuous benefit renewal throughout a pet's lifetime. They cover all breeds and most breed-associated health conditions, providing comprehensive protection for pets of all kinds.
Let's take a quick look at the pros and cons of PetPlusUs.
Pros of PetsPlusUs Pet Insurance
- Three annual policy limits and deductibles
- 24/7 PetHelpFone and Pet Poison Helpline
- Wide range of treatments and conditions covered
- Vet direct pay option available for expensive procedures
- Multi-pet discount
- Diverse affiliate program
Cons of PetsPlusUs Pet Insurance
- Does not cover pre-existing conditions
- No dental and wellness coverage
- Age-based deductible as your pet gets older
- Maximum coverage is $15,000.
What does PetsPlusUs pet insurance cover?
Well, here's an overview of what's covered under this policy.
Accident-Only Plan
- Consultations
- Exams
- Emergency care
- Hospitalisation
- Drugs
- Surgery
- Anaesthesia
- Specialist referrals by a licensed veterinarian
- Pet boarding fees
- Holiday trip cancellation
- Lost pet advertising and reward
- Cremation/burial
Accident and Illness Plan
- Illness
- Injuries and accidents
- Hospitalisation
- Surgery
- Hereditary conditions
- Diagnostics
- Prescription medications
- Alternative therapies
- Behavioural therapies
- Pet boarding fees
- Holiday trip cancellation
- Lost pet advertising and reward
- Euthanasia and cremation/burial
Now that you know what the PetsPlusUs pet insurance covers, it's important to know what it doesn't.
Watch out!
Pre-existing conditions, dental care, reproductive health, experimental treatments, wellness/preventative care (unless Flex Care plan is added), and conditions within waiting periods of 48 hours for accidents and 14 days for illnesses are not covered by PetsPlusUs' Accident & Illness Pet Insurance. The Accident Insurance policy does not cover illnesses, routine preventive care, pre-existing conditions, non-accident-related issues, or accidents within the initial 48-hour waiting period.
Furkin Pet Insurance: Policy with lifetime coverage
Furkin Pet Insurance is a trusted and comprehensive choice for Canadian pet owners seeking reliable coverage. With a team of experienced experts in pet health and insurance, Furkin is dedicated to supporting the special bond between pets and their families.
What sets Furkin apart is their unlimited 'per condition' benefits, allowing you to use your annual coverage for multiple illnesses or accidents throughout the year. This flexible approach ensures that your pet receives the necessary care without restrictions.
Furkin's Lifetime Coverage stands out with no caps on eligible conditions. There are no limits on the coverage you can receive for your pet's medical needs. Automatic annual renewals guarantee continuous coverage year after year, providing long-term protection.
The policy offers an impressive $20,000 annual maximum benefit without per incident or per illness limits. This ensures that your beloved pet can receive the care they need without financial constraints, giving you peace of mind.
Furkin goes above and beyond by providing access to a 24/7 Telehealth hotline staffed by veterinary nurses. This invaluable service allows customers to seek professional advice and guidance at any time.
As a bonus, you also receive a complimentary subscription to Petriage, an online pet triaging software that enhances your ability to assess your pet's health and make informed decisions about their well-being.
Let's take a quick look at the pros and cons of Furkin.
Pros of Furkin Pet Insurance
- Upto $20,000 coverage every year
- No ‘per condition’ limits
- Flexible deductibles
- Coverage renews each year
- 24/7 Telehealth pet health hotline
- Multi-pet discount of 5%
Cons of Furkin Pet Insurance
- Does not cover pre-existing conditions
- Does not cover pets older than 14 years at enrollment
- Does not cover wellness or preventive care
- Not available in Quebec
What does Furkin pet insurance cover?
Well, here's an overview of what's covered under this policy.
- Alternative Therapies
- Anaesthesia and Surgery
- Dental Injuries
- Diagnostics
- Emergency Care
- Exam Fees
- Prescription Medications
- Referral and Specialist Fees
- Hereditary and Congenital Conditions
- Hospitalisation
- Imaging - CT scans, MRI and X-Rays
- Medical Procedures
- Applicable Taxes
- Lost Pet Advertising and Reward
- Coverage While Travelling
- Boarding Fees
- Holiday Trip Cancellation
- Prescription Foods
- Euthanasia Costs
Now that you know what the Furkin pet insurance covers, it's important to know what it doesn't.
Watch out!
Furkin Pet Insurance, like other providers, does not cover pre-existing conditions and symptoms before enrolment or within waiting periods. It doesn't cover behavioural issues, cosmetic procedures, vaccinations, routine care, preventive dental treatment, and innovative therapies. They also exclude pregnancy, whelping expenses, spaying/neutering, organ/tissue transplants, and corrective procedures for brachycephalic breeds.
How much is pet insurance in Alberta?
The cost of Pet insurance in Alberta can vary depending on a few factors such as your animal type, age, what is covered, your reimbursement rate, the deductible and the annual payout limit.
Below, you can see how much pet insurance in Edmonton costs for a Labrador Retriever dog, Alberta’s most common breed, using Desjardins pet insurance for a puppy as an example:
Bronze Paw
- $2,000 max accident coverage
- $2,000 illness coverage (per condition, per year)
- 80% reimbursement rate
- $100 annual deductible
- Optional $500/year max dental care coverage (+$9.04/month)
Silver Paw
- $4,000 max accident coverage
- $4,000 illness coverage (per condition, per year)
- 80% reimbursement rate
- $100 annual deductible
- $700/year max dental care coverage
- Optional $350/year for each category (+$40.04/month)
- Alternative therapy
- Behavioural therapy
- Medical devices
Gold Paw
- Unlimited accident coverage
- Unlimited illness coverage
- 80% reimbursement rate
- $100 annual deductible
- $1,000/year max dental care coverage
- $350/year for each category
- Alternative therapy
- Behavioural therapy
- Medical devices
- Preventive care included
$43.96 monthly pet insurance premium
$70.95 monthly pet insurance premium
$181.07 monthly pet insurance premium
If it’s a cat you want to insure, here is an example of pet insurance in Calgary, Alberta using Trupanion pet insurance and Wild Rose Country’s most common breed, the Domestic Shorthair, as an example:
| Age | Deductible per condition | Reimbursement rate | Monthly premium |
|---|---|---|---|
| <12 months | $500 | 90% | $28.84 |
| <12 months | $0 | 90% | $64.27 |
| 5 years | $500 | 90% | $54.02 |
| 5 years | $300 | 90% | $130.23 |
Pet insurance in Alberta will cost roughly the same from an Albertan provider as it will if the insurer is based in another province, like for example say an Ontario pet insurance provider. Companies generally offer coverage to anyone living anywhere in Canada, and in most cases even include the U.S.
Therefore, pet insurance in Calgary, for example, will cost the same as BC pet insurance or Nova Scotia pet insurance — though the pets themselves may differ significantly!
Sometimes, there are differences between urban, suburban and rural areas because pet ownership comes with different risks in each of these areas.
Cat insurance is, however, typically less expensive than insurance for dogs. So it's worth it to compare insurers to get the best pet insurance in Alberta at the best price. To do so, you can use our free comparison tool at the top of this article.
How does pet insurance work in Alberta?
Alberta pet insurance works like pet insurance in other Canadian provinces and territories. The comparison tool at the top of the page can help you choose the best pet insurance in Alberta for you and your companion, so you can relax knowing that you have the tools to act when your pet gets into a medical emergency.
Once you’ve chosen the best pet insurance that fits your pet’s (and your wallet’s) needs, the insurance provider will propose a premium (that they calculate based on several factors such as the type of animal, age and breed) that you will have to pay each month.
Watch out!
Most pet insurances have a waiting period after you purchase the policy. Keep that in mind in the weeks after you sign the contract because during that period your pet isn’t covered, which means you’ll have to pay in full, without the help of insurance.
Normally, you will have to pay for any veterinary expenses first before the insurance acts with a reimbursement. Rates of reimbursement are commonly somewhere between 80% and 100%. For example, Desjardins offers 80% of expenses covered and a 10% discount if you insure 3 or more pets with them.
Some pet insurers give you the option for them to pay the vet directly but note that in these cases, you will have to look for a vet clinic or animal hospital that partners with your insurance provider, which may be a little impractical in the case of an emergency.
But if your preferred vet clinic or animal hospital is already a part of their network, then it might be worth considering for your policy.
Providers do occasionally also offer a 24-hour helpline that you can call for advice or help to find a vet.
Expert advice
Always request and save all the receipts and documentation from the vet or hospital as pet insurance providers tend to ask you for all the paperwork associated with your pet’s health condition.
What does pet insurance cover in Alberta?
Typically, pet health insurance in Alberta covers anything unexpected that happens to your pet’s health, which could mean an accident, sickness or longer-term condition that needs sustained treatment.
The availability of the treatments, the amount reimbursed and how much you’ll have to pay out of pocket will depend on your policy’s details.
Accident and illness coverage
If your pet has an accident or becomes sick, most insurance policies will cover the costs of:
- X-rays
- Short stays for monitoring
- Emergency diagnosis
- Prescriptions
- Any needed surgery
- MRIs and other scans
- Chemotherapy
For example
Wendy is a 3-year-old Labrador Retriever that lives with Eimear in Edmonton. One day, Eimear was making herself her favourite snack, a peanut butter and jelly sandwich, and as had become their custom, she let Wendy lick the last of the peanut butter off the spoon. About 15 minutes later, Wendy began coughing and vomiting before having a seizure.
Eimear rushed her dog to her local vet where she later found out Wendy had been intoxicated by Xylitol, present in the new sugar-free peanut butter Eimear was trying. Even small amounts of Xylitol can cause death in dogs if not treated. Luckily, Eimear acted quickly enough, and thankfully, she had pet insurance in Edmonton as soon as she moved to Alberta from Thunder Bay.
The total bill at the animal hospital was $850, including an overnight stay for monitoring, a few tests and Wendy’s treatment. Eimear’s insurance covered 90% of the bill without a deductible, so she only ended up paying $85.
Preventative care coverage
Being preventive always pays off when it comes to protecting your pet’s health (and your wallet too, in the long run). However, only the best pet insurance in Alberta will cover these kinds of treatments, including:
- Annual examinations
- Vaccines
- Flea treatments
- Urinalysis and fecal analysis
- Parasitic treatment
Pet insurance does not typically cover routine trips to the vet, but some insurers offer wellness add-ons or separate policies that cover common, recurring tests and procedures.
Good to know
Do you know about the ABVMA? The Alberta Veterinary Medical Association (ABVMA) is responsible for regulating all veterinary activity in Alberta. The ABVMA screens all vets and veterinary technologists applying for a license to practice in Alberta to ensure they are competent and qualified. Keep the ABVMA in mind when choosing your vet in Alberta or if you have a bad experience with a professional at a clinic or animal hospital in the province.
Exotic pet insurance
Exotic pet insurance is a lesser-known but highly recommended coverage option for a wide range of legally owned pets.
It covers procedures and treatments similar to those for dogs and cats, reimbursing expenses for common healthcare issues among reptiles, birds, rodents, and more. However, like standard pet insurance, it only covers accidents and illnesses, excluding preventive care and preexisting conditions.
The cost of exotic pet insurance is comparable to regular pet insurance, with monthly premiums ranging from $10 to $100. Much like insurance for other pets, factors such as the type of pet, location, reimbursement percentage, deductible, wellness add-ons, age, and breed influence the price.
Specialized veterinarians for exotic pets often charge higher fees, making insurance coverage valuable for peace of mind and ensuring necessary veterinary visits are covered.
"Is my pet exotic?" Well, to determine if your pet is considered exotic, consider their natural environment versus a domesticated one. Most commonly considered pets under exotic pet insurance are:
- Amphibians
- Hedgehogs
- Most birds
- Iguanas
- Mice
- Ferrets
- Goats
- Sugar gliders
- Potbellied pigs
- Chinchillas
- Turtles
Is pet insurance worth it in Alberta?
Yes, pet insurance is always worth it, even for younger pets. Some say that pet insurance isn’t worth it for healthy pets, suggesting instead to put money aside every month for an unexpected medical emergency.
If your pet is still young and healthy, it might only need to see the vet for routine visits, in which case it is possible that you could pay for these by putting aside some money from your paycheck.
However, if you have an older animal or one that is prone to health problems, then you are unlikely to be able to save enough to pay for long-term care without suffering financial strain yourself. Let's take some examples.
Joseph, 34, from Calgary, has a French Bulldog puppy called Wizz. Joseph is making good money in his job as a sheet metal worker, and Wizz is healthy, young and unlikely to have any problems. If Joseph can put aside $50 a month he will probably be able to cover routine costs like:
| Procedures | Cost |
|---|---|
| Vet visits | $109 |
| Vaccines | $115 |
| Dental treatment | $531 |
| Parasite treatment | $178 |
Watch out!
Pet insurance companies do not cover pre-existing conditions, so if your little friend gets diagnosed with a long-term medical disorder, you might not be able to insure them for it and will have to foot the bill in full.
Meanwhile, Hank, 45, lives in Fort McMurray. She has a rottweiler called Paws, who she loves very much but who is starting to feel the weight of his age at 12 years old. Let's look at some of the costs that Hank might have to pay as she looks after Paws:
| Procedures | Cost |
|---|---|
| Arthritis treatment | $400+/year |
| Cancer treatment | $4000+ |
| Ligament repair | up to $5,000 per knee |
| Antibiotics | 15c -70c / pill |
Although Joseph’s veterinary costs are overshadowed by Hank’s, they may both do well to secure pet insurance for their dogs. Joseph is able to put enough money aside now, but if his Bulldog has a long-term health problem, his savings may not cover his furry friend’s needs.
Hank’s canine companion would also benefit from pet insurance so Hank can have some peace of mind of knowing she can protect her elder dog and that she can afford to give Paws the care he needs.
Is there CAA Pet Insurance in Alberta?
If you are a member of the Canadian Automobile Association, you could be eligible for a discount on CAA pet insurance in Alberta. The provincial affiliate is called the Alberta Motor Association (AMA), but keep in mind that the CAA’s main purpose is car insurance and assistance.
Discount or not, insurance coverage can widely vary from policy to policy, so it’s always worth comparing details to choose the best pet health insurance in Alberta for your four-legged family member.
What to do with your pet in an emergency in Alberta?
Be blizzards, hail storms, high winds, blowing snow, and even the occasional tornado, the weather in Alberta can get extreme. And that’s without counting the serious cold in the dead of winter. Weather like this can quickly become life-threatening and put people and pets at risk.
If you live in Alberta, you probably already do what you’ve got to do to keep yourself safe, but as a pet owner, you also have to keep your pet safe in these situations.
You might be asking yourself, does pet insurance cover emergency visits? The answer is yes, if your pet has a medical emergency, weather-related or not, pet insurance is there to help you financially.
It is useful to map out where your nearest emergency pet hospital or emergency pet clinic is around you so you know where to go in a crisis. You can also have a pet emergency kit with first aid basics and the following:
Dogs
- Toys/favourite blanket
- Treats
- Muzzle, leash and collar
Cats
- Toys/favourite blanket
- Litterbox with litter (disposable aluminum roasting pans work well)
- Harness and leash
Birds
- Carrier and something to cover it
- Water spray bottle to moisten their feathers
- Timed feeder to ensure the feeding schedule is smooth
Reptiles
- Something for transportation (could even be a pillowcase)
- Soaking bowl
- Heating pad
In addition, it is a good idea to know where your community will post news and updates during an emergency. The Alberta Emergency Alert app is worth downloading for its emergency alerts which can help you decide what to do.
In the case of a tornado, keep your pet indoors. If the emergency is a flood, contain your animal on an upper level. If it’s a fire, take your companion to a safe place well outside the affected area.
Alberta is a beautiful province with an abundance of natural landscapes, but it also has plenty of wildlife. In most urban areas of Alberta, the main wildlife danger to pets is coyotes, so be aware of your home’s surroundings to keep them safe.
What should I consider when choosing pet insurance in Alberta?
Pet owners in Alberta have a lot to choose from when it comes to pet insurance to protect their animal friends and prevent a hit to their wallet.
Here are the major factors that will affect the cost of the best pet insurance for you:
- Animal: Not all animals carry the same risks, so pet insurance premiums and coverages will differ from animal to animal. Larger animals are usually more expensive to insure than smaller animals.
- Age: In general, the younger the animal, the cheaper the premium and overall insurance will be. Also, an older animal is more likely to develop a health condition, and insurers do not cover pre-existing conditions.
- Breed: Some breeds are more expensive to insure than others. For example, dog insurance for Saint Bernards costs significantly more than cat insurance for a mixed breed.
- Gender: Male animals are more expensive to insure than female animals. Also, spayed females have the lowest premiums in cats and dogs.
- Deductible: The higher the deductible, the cheaper the premium. However, remember that your insurance will only reimburse your vet fees after you’ve paid the deductible from your own wallet.
- Location: Where you live with your pet will influence how much you pay. Certain regions and environments carry more outdoor risks than others.
- Add-ons: You can purchase additional coverage such as wellness plans or preventive medicine, though these will increase the cost of your premium.
Now that you have all the information, you can use our comparator below to get quotes from the best pet insurances in Alberta in no time.
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