Best Pet Insurances in BC in March 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
Did you know that over 20.3% of all pets in Canada are owned by families in British Columbia? But while owning a pet brings immeasurable joy, it also comes with financial responsibilities and the costs can be quite high when you don't have good pet insurance in BC.
This is where having the best pet insurance becomes a valuable safeguard, particularly in a place like BC where the weather can be harsh, posing unique risks to our pets.
That's why we bring you this pawsome article that will tell you everything you need to know about pet insurance in BC, from pricing and coverage to discounts, pros, cons, and more. You could use our comparator at the top of this page to get quotes from the best pet insurance companies in BC.
Our 2025 ranking of best pet insurances in BC
Best Pet Insurance BC Companies for 2024
- Fetch Pet insurance: Tailor-made policy for every budget
- PetsPlusUs Pet Insurance: Policy with valuable affiliates
- Trupanion Pet Insurance: Generous reimbursement
- PHI Direct Pet Insurance: Budget-friendly coverage
- Furkin Pet Insurance: Unrestricted long-term coverage
- Spot Pet Insurance: Best for customizable options
- Desjardins Pet Insurance: Comprehensive coverage
We know that searching for the perfect coverage can be as challenging as teaching a cat to fetch, with all those policies, figures, and options to navigate. But don't worry, we've fetched all the information you need and put it in one handy guide. Therefore, we've rounded up the best pet insurance options in British Columbia just for you.
So take a look at the best pet insurances in BC, and what they offer, and help you pick the one that suits you the best.
Fetch Pet insurance: Tailor-made policy for every budget
Fetch by The Dodo is a reputed company that has been providing coverage since 2007 and what sets Fetch pet insurance apart is its customization options.
Their annual maximum of $15,000 protects most pet-related issues. Customers can choose deductibles of $250, $300, and $500, coverage of $5,000, $10,000, or $15,000, and reimbursement of 70%, 80%, or 90%.
Fetch provides extensive dental coverage, pet owner assistance, providing guidance and support when you need it most. It includes lost pet advertising and boarding during medical emergencies.
Let's take a quick look at the pros and cons of Fetch Pet Insurance.
Pros of Fetch Pet Insurance
- 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 a 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 cover? Here's 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
It's important to understand what Fetch pet insurance doesn't cover.
Watch out!
Fetch does not cover pre-existing conditions. Expenses related to breeding, pregnancy, and whelping are excluded. Issues with cruciate ligaments or hip dysplasia within the first 6 months of the policy are not covered. The policy does not cover prescription diet foods, routine vet visits, elective procedures, and cosmetic surgeries.
If you want to explore if Fetch Pet Insurance is the right choice for you, you can get a free personalized quote right here. Fill up the short form below and get instant quotes.
Pets Plus Us Pet Insurance: Policy with valuable affiliates
PetsPlusUs Pet Insurance stands apart through exclusive member discounts via partnerships with Costco and CAA.
Costco Pet Insurance offers a 15% discount for Executive Members and 10% for Gold Star and Business Members.
PetsPlusUs offers three plans, with the flexibility to add wellness benefits through the optional Flex Care policy, and with the absence of special waiting periods. Their accident and illness plan provides coverage of $7,500 or $15,000, while the accident insurance plan offers $5,000.
For the accident and illness plan, you can choose reimbursement of 70%, 80%, or 90%. The accident insurance plan offers a fixed reimbursement of 80%.
Let's take a 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
- No unlimited coverage, max $15,000
What does PetsPlusUs cover?
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
It's important to know what it doesn't cover. PetsPlusUs' Accident & Illness Pet Insurance policy does not cover pre-existing conditions, dental care, reproductive health, experimental treatments, wellness/preventative care (unless Flex Care plan is added).
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.
Expert advice
Did you know there was a BCAA Pet Insurance? Yes, you heard that right, the British Columbia Automobile Association (BCAA) offers pet insurance through a partnership with PetsPlusUs. Plus, BCAA members can now save 12%! BCAA pet insurance stands out by offering alternative and behavioural therapies not commonly found in traditional policies, along with coverage for pet boarding in case of hospitalization. Additionally, they provide a multi-pet discount of up to 15%.
Trupanion Pet Insurance: Generous reimbursement
Trupanion Canada has been a well-established player since 1998 and it offers unlimited coverage with an impressive reimbursement rate of 90%. What's more, there are no per-incident, annual, or lifetime payout limits to worry about.
Whether you prefer a deductible of $0 or up to $1,000, you can find a monthly cost that fits your budget. Trupanion pet insurance's standout feature is its lifetime per-condition deductible. You only pay when your pet develops a new condition.
Trupanion covers alternative medicine and therapies which include treatments from bone marrow transplants to stem cell therapy. Their focus is on essential medical expenses, so wellness coverage is not included, and exam fees are considered standard administrative expenses and therefore excluded.
Let's take a quick look at the pros and cons of Trupanion.
Pros of Trupanion Pet Insurance
- 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
Cons of Trupanion Pet Insurance
- 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 cover? Here's what's covered under this policy.
- Hereditary conditions
- Undiagnosed issues
- Congenital conditions
- Diagnostic tests
- Surgeries
- Hospital stays
- Medications
- Veterinary supplements
- Herbal therapy
- Breed-specific conditions
It's important to understand what Trupanion pet insurance doesn't cover.
Watch out!
Pre-existing conditions are not covered, and the policy does not include exam fees, wellness care, elective procedures (such as tail docking, ear cropping, declawing, and dewclaw removal), as well as costs related to cremation, burial, and post-mortem expenses.
PHI Direct: Ideal for Budget-Conscious Pet Owners
PHI Direct offers a straightforward plan with annual coverage limits of $5,000 or $10,000, an 80% reimbursement rate, and a low deductible of $200. This plan encompasses various treatments, including accidents, illnesses, and emergency care, providing a cost-effective option for pet owners. Coverage also extends to behavioral therapy, dental fractures, and diagnostics.
Renowned for its affordability, PHI Direct features premiums that are substantially lower than many competitors. As noted in the 2021 North American Pet Health Insurance Association (NAPHIA) Industry Data Report, PHI Direct's average premiums are about 45.8% lower for dogs and 37.7% lower for cats compared to other insurers. However, the plan does not cover wellness care or pre-existing conditions, and is unavailable in Quebec.
Pros of PHI Direct Pet Insurance
- Offers budget-friendly premiums well below the industry average.
- $200 deductible, which is lower than many other providers.
- Multi-Pet Discount
- Includes a broad range of treatments and emergency care.
- Covers treatments for behavioural issues.
Cons of PHI Direct Pet Insurance
- No Coverage for Pre-Existing Conditions
- The maximum annual coverage limit is $10,000.
- Not offered in Quebec.
What does PHI Direct cover? Here's what's covered under this policy.
- Accidents
- Surgeries
- Hospitalizations
- Diagnostics
- Exam Fees
- Alternative Therapies
- Anesthesia and Surgery
- Behavioural Therapy
- Coverage while Traveling
- Dental Tooth Fracture
- Emergency Care
- llnesses (New)
- Imaging - CT scans, MRI, and X-Rays
- Medical Devices
- Medical Procedures
- Prescription Medications
- Referral Specialist Fees
- Parasites
It's important to understand what PHI Direct pet insurance doesn't cover.
Watch out!
PHI Direct pet insurance does not cover wellness care, corrective procedures, or conditions linked to these treatments. Bilateral conditions and behavioral problems are also not included. Routine dental care, cremation, burial, and preventive measures like spaying/neutering and vaccinations are outside the scope of coverage. Additionally, any services related to breeding or reproduction are not covered by PHI Direct's policies.
Furkin Pet Insurance: Unrestricted long-term coverage
Furkin is a trusted and comprehensive choice for Canadian pet owners who prioritise reliable coverage. It stands out by offering unlimited 'per condition' benefits, allowing you to utilise your annual coverage for multiple illnesses or accidents throughout the year.
With Furkin's Lifetime Coverage, there are no caps on eligible conditions. Automatic annual renewals guarantee continuous coverage year after year, providing long-term protection.
The policy offers a generous $20,000 annual maximum benefit with no per incident or per illness limits. Furkin also provides access to a 24/7 Telehealth hotline staffed by veterinary nurses.
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 cover? Well, here's what's covered under this policy.
- Alternative Therapies
- Anaesthesia and Surgery
- Dental Injuries
- Diagnostics
- Emergency Care
- Exam Fees
- Prescription Medications
- Hereditary and Congenital Conditions
- Hospitalisation
- Medical Procedures
- Lost Pet Advertising and Reward
- 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 coverage excludes pre-existing conditions, behavioural issues, cosmetic procedures, vaccinations, routine care, preventive dental treatment, and innovative therapies. Pregnancy, whelping expenses, spaying/neutering, organ/tissue transplants, and corrective procedures for brachycephalic breeds are also not covered.
Spot Pet Insurance: Best for Customizable Coverage
Spot Pet Insurance provides flexible plan options with both Accident & Illness and Accident Only coverage. Annual limits range from $5,000 to $10,000, with an option for unlimited coverage. Reimbursement rates are adjustable between 70% and 90%, and deductibles range from $100 to $300, depending on the pet's age. The Accident & Illness plan covers vet exams, surgeries, diagnostics, and alternative therapies. Spot also offers two optional wellness plans that cover routine and preventive care.
Spot’s extensive customization options make it ideal for pet owners seeking tailored insurance solutions. The availability of wellness plans and a high Trustpilot rating of Excellent: 4.7 underscore its attractiveness. Spot's shorter waiting periods for coverage activation further enhance its appeal, offering quicker access to benefits compared to many competitors.
Pros of Spot Pet Insurance
- Highly Customizable Plans.
- Wellness plan add-ons cover routine and preventive care.
- No Per-Incident or Lifetime Caps
- Excellent Trustpilot Rating: 4.7
- Shorter Waiting Periods
- Multi-Pet Discount
Cons of Spot Pet Insurance
- No Coverage for Dental Illnesses
- Age-Based Deductibles.
- Not offered in Quebec.
What does Spot Pet Insurance cover?
- Accidents
- Behavioral issues
- Hereditary and breed-specific conditions
- Illnesses
- Exam and diagnostic fees
- Hospitalization
- Surgery
- Prescription medications
- Therapeutic diets
- Physical and rehabilitative therapies
- Alternative treatments
- Medical devices
- Trip cancellation
- Advertising and reward for a lost or stolen pet
- Emergency boarding
- Additional living expenses if your home is damaged
- Accidental death coverage
- End-of-life coverage: Euthanasia, cremation, or burial costs
Watch out!
Spot pet insurance, like other companies, excludes coverage for pre-existing conditions. Additionally, Spot does not cover costs related to fertility, breeding, pregnancy, or nursing, spaying or neutering. Cosmetic procedures, non-essential boarding, and dental illnesses like periodontitis and abscesses are excluded. Spot also does not cover experimental treatments, or illnesses arising from failure to follow preventive care recommendations.
Desjardins Pet Insurance: Comprehensive coverage
Underwritten by Petline Insurance, Desjardins Pet Insurance offers reliable and trusted protection.
With three distinct plans available, Bronze Paw, Silver Paw, and Gold Paw, Desjardins caters to diverse pet owners. The Silver Paw and Gold Paw plans are particularly notable for their extensive coverage of dental care and cleanings.
The cost of Desjardins pet insurance varies depending on the chosen plan, with an average monthly price ranging from $37 for dogs and $26 for cats on the basic policy, to $136 for dogs and $87 for cats on the more comprehensive coverage options.
Pet owners with three or more furry companions can take advantage of a valuable 10% discount on their monthly premiums.
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 pet's 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 what's covered under this policy.
- X-rays
- Hospitalization
- Veterinary diagnostics and treatment
- Prescription drugs
- Surgery
- MRIs
- Chemotherapy
- Preventive care coverage
- Dental care
- Behavioural therapy (add-on)
- Alternative therapy (add-on)
Let's see what it doesn't cover.
Watch out!
Desjardins does not cover pre-existing conditions. Additionally, expenses related to flea control and pet food, including prescription diet and therapeutic nutrition, are not included. Desjardins Pet Insurance also does not cover spaying or neutering procedures. It's important to note that euthanasia is not covered, except in cases where it is recommended due to an insured incident or illness.
How much is pet insurance BC?
The cost of pet insurance in Canada BC will vary depending on several factors such as your animal, their age, what is covered, your reimbursement rate, the deductible and the annual payout limit.
The most basic and cheapest pet insurance in BC starts at around $24 per month for a cat and $40 per month for a dog. The best pet insurance in BC, Canada can cost upwards of $400 for larger and rarer breeds such as Great Danes. However, the average monthly charge for pet insurance in BC is about $50.
The cost will be more depending on how comprehensive the coverage is. For instance, a comprehensive Vancouver pet insurance will cost somewhere between $58 and $100 a month.
Good to know
As larger dogs, BC’s favourite dog breed, Golden Retrievers, are not the cheapest breed to insure but also not the most expensive. You can expect pet health insurance in BC to cost around $80 a month for BC's golden furry friends.
Most insurers provide coverage nationally, so the price of pet insurance in British Columbia should be similar to that of pet insurance in Ontario or Quebec pet insurance, for example. Differences can exist, though, between rural, suburban and rural areas because pet ownership in different places comes with different levels of risk. Cat insurance is, however, typically less expensive than insurance for dogs.
Is pet insurance more expensive in BC?
No. Pet insurance is a private service, so it doesn’t change from province to province. All pet insurance companies offer coverage to anyone living anywhere in Canada, and often even include the U.S. Therefore pet insurance in BC will be no more expensive than Alberta pet insurance or Nova Scotia pet insurance — though the pets themselves might be quite different!
Eight tips to get the cheapest pet insurance in BC
Now that you have an idea of the different pet insurance options and the price ranges, you're probably wondering how to get the cheapest pet insurance. So, here are eight tips to help you find the most cost-effective pet insurance options in British Columbia.
- Consider accident-only coverage plans as they offer a budget-friendly option
- Evaluate your pet's specific requirements and customize your policy terms to pay only for the coverage you need
- Lower your premiums by selecting higher deductibles and lower reimbursement rates. Adjusting these factors can significantly impact the cost of pet insurance
- Take advantage of available discounts offered by pet insurance providers. Look for multi-pet discounts ranging from 5% to 10%
- Consider bundling your pet insurance policy with other insurance types, such as renters insurance, to qualify for additional discounts
- Check if membership clubs like Costco offer exclusive savings on pet insurance rates (almost 15% in some cases)
- Enrol your pet at a young age to benefit from lower premiums. Insurance rates are typically lower for puppies and younger dogs
- Keep your pet healthy as some providers offer diminishing deductibles as a reward for maintaining your pet's good health
How does pet insurance BC work?
Like in the rest of Canada, BC pet insurance supports pet owners by reducing the financial strain of unexpected veterinary costs for their animals. The comparison tool above can help you choose the best pet insurance in BC for your companion, so you can relax knowing that you have the tools to offer your pet the care they need when the time comes.
Once you’ve chosen the best policy for you and your pet, the insurance provider will calculate a premium (based on several factors such as animal, age and breed) that you will pay each month.
Watch out!
Most insurance providers impose a waiting period after you purchase a policy, so make sure to wait until the end of this period (if you can) for any medical treatment.
Pet insurers do not usually pay the vet directly, which means you will have to pay for any costs yourself and then be reimbursed by the provider. Rates of reimbursement are typically between 80% and 100%.
Although paying out of pocket may not be ideal, being reimbursed means you don’t have to go through the added stress of finding a vet that partners with your insurer. Any licensed vet clinic or animal hospital will do. Some providers also offer a 24-hour helpline that you can call for advice or help to find a vet.
To make sure you’re covered, remember to request and keep all the receipts and documentation from the vet as insurance companies almost always ask you for all the paperwork associated with your claim.
Why you must know the CVBC!
The College of Veterinarians of British Columbia (CVBC) is the governing body of all veterinary practices in the province. All vets working in BC must be licensed by the CVBC, so make sure you keep this in mind while selecting your vet. You can also complain to the CVBC if you experience incompetent or unethical behaviour at a vet anywhere in BC.
What does pet insurance BC cover?
Pet health insurance in BC covers a variety of emergency and long-term conditions for your pet, be it a cat, dog, bird or other. The availability of the treatments and the amount reimbursed will depend on your policy’s coverage.
Accident and illness coverage
If your pet has an accident or becomes unwell, most insurance policies will cover the costs of:
- X-rays
- Short stays for monitoring
- Emergency diagnosis
- Prescriptions
- Any surgery they may need
- MRI and other scans
- Chemotherapy
For example
Charlie is a 7-year-old Labrador Retriever. She lives with Omar, his owner, who got pet insurance in Vancouver as soon as he moved from his parent’s house. For the past few months, Charlie gets wobbly sometimes and stays sitting or lying more often. Omar noticed her limping for no apparent reason. One morning, Charlie had trouble climbing the stairs for the first time, so Omar decided to take her to the vet. Omar discovered his dog started to develop arthritis caused by mild hip dysplasia.
The total vet cost, including an X-ray and Charlie’s medication, amounts to $838, which Omar couldn't have afforded if it weren’t for pet insurance. After paying the deductible ($250), Omar got reimbursed 90% of the remaining bill, meaning he ended up paying less than $350.
Preventative care coverage
Prevention is always preferable (and cheaper in the long run). However, only the best pet insurance in BC will cover these kinds of treatments, such as:
- Annual examinations
- Vaccines
- Flea treatments
- Urinalysis and fecal analysis
- Parasitic treatment
Pet insurance does not typically cover routine veterinary expenses, but some insurance providers offer more comprehensive policy add-ons that cover common, planned procedures.
Watch out!
Pet insurance providers rarely cover pre-existing conditions, which means it’s better to get insurance when your pet is young!
Is pet insurance BC worth it?
Some say that rather than getting pet insurance, you can put money aside every month and save for an unexpected medical emergency for your pet. Yes, if you have a young, healthy animal who will only need to see the vet for routine visits, then it is possible you could pay for these by putting aside some money from your paycheck.
Watch out!
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.
Pet insurance bc for a young pet
Jan, 27, from Victoria, has a Chow Chow puppy called Vick. Jan is currently earning well in his job as a software engineer, and Vick is healthy, young and unlikely to have any problems. If Jan can put aside $50 a month for a Pet insurance Victoria BC 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 suffers a medical misfortune, you might not be able to insure them for it and will have to foot the bill in full.
Pet insurance bc for an older pet
Let's take another example for contrast. Maggie, 45, lives in Nanaimo. She has a Pug, Burberry, who she loves very much but who is starting to feel the weight of his age a bit at 12 years old. Let's look at some of the costs that Maggie might have to pay as she looks after Burberry:
| Procedures | Cost |
|---|---|
| Arthritis treatment | $300+/year |
| Cancer treatment | $4,000+ |
| Ligament repair | up to $5,000 per knee |
| Antibiotics | 10c -50c / pill |
Although Jan’s veterinary costs are overshadowed by Maggie’s, they may both do well to secure pet insurance for their dogs. Jan can afford to put some money aside, but if his Chow Chow has a long-term health problem, his savings may not cover his furry friend’s needs.
Maggie’s canine companion would also benefit from pet insurance so Maggie can have the peace of mind of knowing that her dog is protected and that she can afford to give Burberry the care he needs.
How to protect your pet from winter in BC?
Like most of Canada, winter in British Columbia can be a real challenge for pets and pet owners. Here are some pointers for keeping your pet safe and healthy:
- When getting camping gear ready for winter, make sure your pet isn’t hiding inside.
- Keep all your pets indoors during cold weather. If left outside in the cold, even huskies can suffer. If you must keep an animal outside, ensure they have shelter that is off the ground and provides protection from harsh weather. And keep their drinking water ice-free.
- Use pet-safe antifreeze (propylene glycol) in your car, instead of ethylene glycol, which can kill a pet with only 1 tablespoon.
- Clean your pet's paw pads after walking on sidewalks or roads to remove salt, which irritates their skin.
- If you de-ice the sidewalk yourself, make sure to use a pet-friendly product, as opposed to regular salt.
What should I consider when choosing pet insurance BC?
Pet owners in BC have many options when it comes to pet insurance to protect their four-legged family members and prevent an unpleasant financial surprise. Here are the main factors to consider when choosing the best pet insurance for you:
- Size: Larger animals tend to be more expensive to insure.
- Age: Younger the pet, the cheaper the premium and overall insurance will be.
- Breed: Some breeds are more expensive to insure than others. For example, dog insurance for Great Danes costs significantly more than cat insurance for an American Shorthair.
- Gender: Male animals are more expensive than female animals. Also, spayed females have the lowest premiums in cats and dogs.
- Deductible: Higher the deductible, the cheaper the premium.
- Add-ons: You can buy additional coverage such as wellness plans or preventive medicine.
Now that you have a fair idea of pet insurance, how it works, pros and cons, you can get the best pet insurance quotes online in no time from our partners by using the comparator below:
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