How Much Does Pet Insurance Cost in May 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 designed for pet owners seeking extensive yet flexible coverage. With annual coverage limits of $5,000, $10,000, or $15,000 - and the option to contact Fetch for higher limits starting at $5,000 - pet parents can customize plans to fit their needs. Reimbursement rates are adjustable at 70%, 80%, or 90%, and age-based deductibles range from $300 to $700, allowing for further personalization.
The plan covers accidents, illnesses, hereditary conditions, and advanced treatments, though it does not include an unlimited coverage option. A standout feature is Fetch’s inclusive dental coverage, which applies to all teeth and gum disease—an area many competitors overlook. The plan also covers alternative therapies such as acupuncture and behavioral treatments, along with sick-visit exam fees that are often excluded elsewhere.
Additional benefits include reimbursement for lost pet advertising, boarding fees during the owner's hospitalization, and an optional wellness add-on for routine care. Fetch also rewards healthy pets with a Healthy Pet Credit, reducing premiums by up to 30% after two consecutive claim-free years. However, direct vet payment is not available—claims must be paid upfront and reimbursed later.
Some limitations apply: the plan does not cover pre-existing conditions, prescription food, or claims submitted more than 90 days after treatment. A six-month waiting period applies to hip and knee conditions, though this can be waived with a prompt vet exam. Fetch is currently unavailable in New Brunswick and Quebec.
Ideal Profile: Best suited for pet owners who want robust coverage for accidents, illnesses, and dental care, with flexible deductible and reimbursement options. Especially recommended for younger pets, as enrolling early can help secure lower premiums and broader coverage eligibility.
- 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)
- No upper age limit for pet enrollment
- Top rate on Google
- Fast & easy reimbursements
- Use any vet in Canada
- Optional wellness add-on available
- No direct vet payment (must pay upfront and get reimbursed)
- Not available in New Brunswick or Quebec
- 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
Looking for pet insurance costs? You've come to the right place. For starters, basic pet insurance coverage can cost you less than $50 a month, while comprehensive coverage goes for more than $150 a month.
But don't worry, there are plenty of tips and tricks to help you save like opting for higher deductibles, seeking out multi-pet discounts, and comparing insurers to get the best rates. We've shared all this and more in this guide.
We've also created a free tool on top of the page to help you compare the best pet insurance in Canada and get quick quotes based on your needs right here.
Pet insurance cost: 5 key takeaways
- Costs vary, with basic plans under $50/month and premium plans over $150/month.
- Premiums are influenced by pet type, age, and breed.
- Young, healthy pets need less coverage; older or prone-to-issues pets benefit more.
- Pet insurance offers 80-90% reimbursement on vet bills.
- Use the free HelloSafe tool to find the best fit for your budget and pet needs.
What is pet insurance?
Pet insurance is a policy you purchase that will reimburse part of the costs of medical treatments for your pet. Policies can be purchased from big-name insurance providers or specialist animal insurers.
After having chosen an insurer, you will agree to pay a certain amount in premiums each month. After an initial waiting period, the coverage will kick in and you will be reimbursed for whatever medical expenses your animal might have, typically at a rate of 70%, 80% or 90%.
How much does pet insurance cost in Canada?
The cost of pet insurance will vary depending on the specifics, breed (do you have a pug, a French bulldog, a chihuahua, a labrador, a great dane?), and age of your pet (do you have a puppy? A senior dog?). Most insurers provide for more common pets like dogs and cats. Reptiles, fish, and more exotic animals may require you to look for specialists in the field.
For dogs and cats, a rough estimate would be that the most basic pet insurance packages need to be under $50 a month and the most comprehensive, over $150. The key question to ask yourself is: will I save money having this insurance if my pet gets sick?
If you have a young, healthy pet, it may be that they only need routine check-ups and vaccinations. In this case, be careful not to over-purchase coverage that you don't need.
However, if your pet is older, say a cat of 10 years or more, or is a breed well-known for having health problems, like a Red Setter, then it is worth having insurance in place for when problems arise.
How much is pet insurance in Ontario?
The cost of pet insurance in Ontario will vary based on the animal you are insuring, their age and how comprehensive a cover you are interested in.
Basic pet insurance in Ontario generally starts at around $39 per month for a dog and $29 per month for a cat. More comprehensive insurance, that is insurance with higher reimbursement rates and higher coverage levels, may cost as much as $150 per month.
Choosing the best pet insurance in Ontario will, however, depend on your pet's unique needs and your affordability.
How much is pet insurance in BC?
For a basic and affordable option, cat insurance starts at approximately $24 per month, while dog insurance begins around $40 per month. However, larger or rarer breeds like Great Danes may have higher premiums, with some of the best insurance plans costing over $400.
On average, pet owners in BC can expect to pay around $50 per month for pet insurance.
Keep in mind that these prices are estimates, and the actual cost of your pet insurance in BC will depend on the specific details of your pet and the policy you choose.
Good to know
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. If you're wondering, "How much is pet insurance in Alberta?", well, it will cost the same as that of Quebec pet insurance or Nova Scotia pet insurance as most providers give national coverage — though the pets themselves may differ significantly. You can find the best pet insurance in Alberta using our comparator at the top of the page.
How much is pet insurance for dogs?
Like most insurances, the cost of dog insurance in Canada varies depending on the policy. Price depends on what is covered, your reimbursement rate, the deductible and the annual payout limit. The age and breed of your dog will also affect the cost of health insurance for your dog.
Below, you can see how much dog insurance costs for Canada’s most common breed using Fetch pet insurance as an example:
| Age | Max annual payout | Max annual deductible | Reimbursement rate | Monthly premium |
|---|---|---|---|---|
| <11 months | $5,000 | $700 | 70% | $50.73 |
| <11 months | $15,000 | $300 | 90% | $112.85 |
| 5 years | $5,000 | $700 | 70% | $80.17 |
| 5 years | $15,000 | $300 | 90% | $182.75 |
How much is pet insurance for a cat?
The cost of cat insurance in Canada also varies on your cat (is it old or a kitten, healthy or sick), on what is covered, on your reimbursement rate, on the deductible and on the annual payout limit.
Below, you can see how much cat insurance costs for Canada’s most common breed using Fetch insurance as an example:
| Age | Max annual payout | Max annual deductible | Reimbursement | Monthly premium |
|---|---|---|---|---|
| <11 months | $5,000 | $400 | 70% | $23.78 |
| <11 months | $15,000 | $250 | 90% | $50.90 |
| 5 years | $5,000 | $400 | 70% | $31.85 |
| 5 years | $15,000 | $250 | 90% | $70.95 |
How much is pet insurance for a rabbit?
Rabbits are one of the more popular animals kept as pets, typically after cats and dogs, and, of course, fish. A significant number of Canadian households have a rabbit as a pet.
However, the lifetime cost of owning a rabbit can be quite expensive, going up to $12,000; and they live up to 15 years. They are also prone to frequent ear infections and intestinal issues, the treatment costs of which are significantly higher.
On average, rabbit insurance can range from around $15 to $30 per month. However, it's important to note that these are just estimated figures, and the actual cost may differ based on the insurance company and the specific coverage and features included in the policy.
Do I need pet insurance?
Pet insurance is not mandatory in Canada. Like with any insurance, buying or not buying it is a gamble.
But, have you ever wondered, for instance, what the cost of owning a dog is in Canada? Turns out, it's quite a pretty penny, and it's only more expensive without pet insurance.
If you do not buy the insurance and something happens you may be forced to dip into your savings, or worse, have to choose between your budget and caring for your pet.
You should also consider your specific situation. If you live in a cabin in Hockley Valley, Ontario and your dog knows to avoid bears then perhaps you will need less coverage.
On the other hand, if you have a cat and live next to a busy road in downtown Vancouver, BC, then it could be worth having an accident and emergency insurance policy in place.
If you're confused about where to start, then try our comparator below to compare the best pet insurance in Canada and get quick quotes from our trusted partners.
Compare the best pet insurance plans on the market!
Is pet insurance worth it?
Let's take a look at some of the costs of basic vet procedures, using a snake as an example:
| Procedure | Cost |
|---|---|
| Visit to a reptile vet | $60 |
| Fecal exam | $30 |
| Parasite medicines | $25 |
As you can see, for a healthy reptile, which did not suffer from chronic or repeated health problems, an owner might be tempted to pay for the costs out of their own pocket. After all, all the yearly visits come to just over $100 and the cheapest insurance will be more than that.
By contrast, let's look at the costs associated with a dog who has a chronic disease like cancer:
| Procedure | Cost |
|---|---|
| Oncologist consultation | up to $250 |
| Chemotherapy | up to $500 a dose |
| Radiation (palliative) | up to $1,800 |
| Radiation (curative) | up to $6,000 |
The average cost for cancer treatment is $3,282 for cats and $4,137 for dogs. These are large sums of money and clearly, it would be extremely useful to have an insurance company covering 90% of the costs.
8 tips to get the cheapest pet insurance in Canada
Now that you have an idea of pet insurance in Canada and how it works, you're probably wondering how to get the cheapest pet insurance. Here are eight tips to help you get the cheapest coverage in Canada:
- Consider accident-only coverage for a more budget-friendly option.
- Customise your policy to pay for the coverage your pet specifically needs.
- Opt for higher deductibles and lower reimbursement rates to lower premiums.
- Take advantage of multi-pet discounts offered by providers.
- Bundle your pet insurance with other policies to qualify for additional discounts.
- Check for exclusive savings on premiums through membership clubs like Costco.
- Enroll your pet at a young age to benefit from lower premiums.
- Maintain your pet's good health to potentially qualify for diminishing deductibles.
The best way to compare insurers and find the best deal is to use our comparison tool and get pet insurance quotes in seconds.
Compare the best pet insurance plans on the market!
What is the best pet insurance in Canada in 2025?
Finding the best pet insurance in Canada can be quite a challenge, particularly if going through pages of policy details and figures is not something you enjoy. You could also miss out on important details and deals in the process.
But worry not, HelloSafe has got your back. Our team has put together the best pet insurance in Canada to give you a quick overview of what they cover, what they don't, pricing, and more.
Best pet insurance plans in Canada
- Fetch Pet Insurance: Comprehensive coverage options
- Trupanion: Pet insurance with 90% reimbursement rates
- Desjardins Pet Insurance: Insure your pet at any age
- PetsPlusUs Pet Insurance: Three annual policy limits and deductibles
- Furkin Pet Insurance: Up to $20,000 coverage every year
- PHI Direct Pet Insurance: The cheapest monthly premium
Fetch Pet Insurance: Comprehensive coverages
Fetch, formerly known as Petplan, is an esteemed pet insurance company that has been serving pet owners since 2007.
Renowned for its holistic coverage approach and comprehensive therapy coverage, Fetch provides reliable protection for your beloved pet, prioritising their health and well-being.
Affordability is a key focus for Fetch, offering various discount options to ensure manageable monthly premiums. Their coverage is designed to cater to pets of all ages, with a particular emphasis on unforeseen accidents and illnesses that may arise.
Fetch Pet Insurance emphasises on customisation, providing policyholders with the flexibility to tailor their coverage to suit their individual needs.
This includes the ability to select options for annual coverage, deductible, and reimbursement rate, allowing for a personalised monthly premium that aligns with their budget and requirements.
While Fetch does not offer unlimited coverage, their substantial annual maximum of $15,000 provides ample protection for a wide range of pet-related issues.
Fetch offers flexibility through options such as annual deductibles of $250, $300, and $500, annual coverage limits of $5,000, $10,000, and $15,000, and reimbursement rates of 70%, 80%, and 90%.
Fetch includes notable features such as extensive dental coverage, providing comprehensive care for your pet's oral health. Additionally, they offer valuable inclusions such as lost pet advertising and boarding during medical emergencies..
Fetch understands the importance of pet adoption and rescue, offering a 10% discount for shelter rescues or adopted pets. They also have a 10% discount for active and retired military members.
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 personalised 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 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 companies, excludes coverage for pre-existing conditions. They also exclude expenses related to breeding, pregnancy, and whelping. Cruciate ligament issues or hip dysplasia during the first six months of the policy are not covered. Additionally, prescription diet foods, routine vet visits, elective procedures, and cosmetic surgeries are not included.
You can now get a quick pet insurance quote from our partner Fetch in just a few seconds.
Trupanion: Pet insurance with 90% reimbursement rates
Trupanion Pet Insurance has been a prominent player in the industry for over two decades, earning a reputation for its unique Lifetime Policy.
With a remarkable track record of paying out nearly $2 billion in claims, Trupanion stands out by offering unlimited coverage and an impressive reimbursement rate of 90%, all without the constraints of per-incident, annual, or lifetime payout limits.
One of the key advantages of Trupanion is its flexibility in customizing your deductible, allowing you to choose an amount ranging from $0 to $1,000.
Notably, Trupanion's best feature is its lifetime per condition deductible, meaning you only pay the deductible when your pet develops a new condition, providing long-term cost savings.
They offer direct payment to veterinarians, allowing for seamless transactions at the point of care. This means that, in many cases, Trupanion can pay your veterinarian directly before you even leave their office.
Trupanion goes beyond the basics by offering coverage for alternative medicine and therapies. This includes treatments like bone marrow transplants, herbal therapy, and stem cell therapy.
It's important to note that Trupanion's focus is primarily on essential medical expenses, and routine wellness care is not included in their plans. Exam fees are considered part of standard administrative expenses and are therefore excluded from coverage.
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 from an award-winning customer care team
Cons of Trupanion Pet Insurance
- Does not cover pre-existing conditions
- Limited coverage options compared to some competitors
- Does not include wellness and preventative/routine care
- Does not cover exam fees
- Trupanion pet insurance costs might be slightly higher than market rates
What does Trupanion 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!
Trupanion does not provide coverage for pre-existing conditions. In addition, it excludes 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.
You can now get a quick quote from our partner Trupanion in just a few seconds.
Desjardins Pet Insurance: Insure your pet at any age
Since its introduction in 2013, Desjardins Pet Insurance has been a trusted provider of comprehensive coverage for pets. Underwritten by Petline Insurance, a company with a longstanding history of insuring over 1.2 million pets, Desjardins offers reliable protection.
Desjardins Insurance presents pet owners with three distinct plans to choose from: Bronze Paw, Silver Paw, and Gold Paw. The Silver Paw and Gold Paw plans are notable for their extensive coverage of dental care and cleanings.
The monthly premium for Desjardins pet insurance varies depending on factors such as the type of pet. On average, the cost ranges from $37 for dogs and $26 for cats for the basic coverage to $136 for dogs and $87 for cats for more comprehensive plans.
For those opting for the Bronze Paw plan, there is an option to add an additional $500 coverage specifically dedicated to dental care.
While the maximum coverage amounts for the Bronze Paw and Silver Paw plans may be slightly lower at $2,000 and $4,000 respectively (excluding the Gold Paw unlimited plan), they still provide substantial coverage for a wide range of pet-related expenses.
Pet owners who have three or more pets can take advantage of a 10% discount on their monthly premiums, making it more cost-effective to insure multiple furry friends under the Desjardins Pet Insurance Program.
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
- 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 Pet Insurance does not cover pre-existing conditions. Additionally it does not provide coverage for flea control, pet food, including prescription diet and therapeutic nutrition if any. At the same time, it doesn't cover spaying or neutering, euthanasia (unless it is due to a recommendation associated with an insured incident or illness).
PetsPlusUs Pet Insurance: Three annual policy limits and deductibles
PetsPlusUs, a well-established pet insurance company, has positively impacted the lives of 100,000 beloved pets over the past decade.
With over $21 million in claims reimbursed, PetsPlusUs has gained a reputation for providing reliable coverage and exceptional service.
Setting themselves apart from the competition, they offer member discounts through partnerships with organisations like Costco and CAA. Costco Pet Insurance grants Executive Members a 15% discount, while Gold Star and Business Members receive a 10% discount.
PetsPlusUs pet insurance provides three comprehensive plans to cater to various needs, with the added flexibility of wellness benefits through the optional Flex Care policy. To simplify the claims process, they offer the convenience of direct payment to the veterinarian for costly cases.
Another notable advantage of PetsPlusUs plans is the absence of special waiting periods, allowing pets to receive coverage promptly.
Pet owners can customise their monthly premiums by selecting deductible and reimbursement rate options that best suit their specific requirements.
The accident and illness plan offers coverage options of $7,500 or $15,000, providing ample protection for unexpected events. Additionally, their accident insurance plan provides coverage of $5,000.
Reimbursement options with PetsPlusUs are flexible as well. 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, ensuring continuous benefit renewal throughout a pet's lifetime. They provide coverage for all breeds and most breed-associated health conditions, excluding pre-existing conditions.
Pros of PetsPlusUs
- 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
- 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 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!
PetsPlusUs' Accident & Illness Pet Insurance policy excludes dental care, reproductive health, experimental treatments, wellness/preventative care (unless Flex Care plan is added), pre-existing conditions (similar to other insurers), and conditions within waiting periods of 48 hours for accidents and 14 days for illnesses. 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: Up to $20,000 coverage every year
Furkin Pet Insurance is a trusted choice for pet owners who prioritise comprehensive coverage and expert support. With a team of experienced professionals specialising in pet health and insurance, Furkin is dedicated to supporting the special bond between pets and their families.
Furkin's coverage stands out with its unlimited "per condition" benefits, allowing you to utilise your annual coverage for multiple illnesses or accidents throughout the year. This flexibility ensures that your pet's healthcare needs are met without unnecessary limitations.
When it comes to tailoring your coverage, Furkin provides the freedom to choose the deductible that best suits your individual needs. This empowers you to have control over your monthly premium, making it more manageable and personalised.
With Furkin's Lifetime Coverage, you can enjoy continuous protection for your pet with automatic annual renewals. This feature provides peace of mind knowing that your pet will be covered year after year, without any interruption in their healthcare support.
Furkin's policy offers a generous $20,000 annual maximum benefit, and there are no per incident or per illness limits.
Furkin provides access to a 24/7 Telehealth hotline staffed by knowledgeable veterinary nurses. This valuable resource allows you to seek professional advice and guidance whenever you need it, ensuring that your pet's health concerns are addressed promptly.
Additionally, as a Furkin policyholder, you receive a complimentary subscription to Petriage, an online pet triaging software. This tool enables you to assess and evaluate your pet's health symptoms and determine the right course of action, enhancing your ability to care for your pet.
Pros of Furkin Pet Insurance
- Up to $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 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, like other pet insurance companies, has exclusions for pre-existing conditions and symptoms before enrollment or within waiting periods. It does not cover behavioural problems, cosmetic procedures, vaccinations, routine care, preventive dental treatment, and innovative therapies. At the same time, it also excludes pregnancy or whelping expenses, spaying or neutering, organ or tissue transplants, and corrective procedures for brachycephalic breeds.
PHI Direct Pet Insurance: The cheapest monthly premium
With a strong focus on affordability, PHI Direct has established itself as a reputable insurance brand offering accessible pet insurance coverage.
Drawing upon the expertise of a skilled team comprising professionals in veterinary care, actuarial science, brand management, and insurance marketing, PHI Direct boasts over 20 years of experience in the field of pet health and insurance.
PHI Direct Pet Insurance provides comprehensive coverage that spans a wide range of services, ensuring that pet owners can access up to 80% coverage for their furry companions' healthcare needs.
With annual policy limits of either $5,000 or $10,000, pet owners can have peace of mind knowing they have financial protection in place to address unexpected medical expenses.
The coverage offered by PHI Direct encompasses various essential services, including taxes, examination fees, prescription medications, breed-specific conditions, alternative therapies, dental treatments for tooth fractures, parasite treatments, and more.
PHI Direct provides a low deductible of $200, making it more accessible for pet owners to seek necessary medical treatment for their pets.
Additionally, PHI Direct offers a 5% multi-pet discount, further incentivising pet owners with multiple furry companions to secure comprehensive coverage for all their beloved pets.
A standout feature of PHI Direct is their unique 'New-Condition' Coverage, which specifically covers the first 12 months of a new illness or injury. This coverage period is particularly valuable as it addresses the initial high costs associated with diagnosing and treating a new condition.
When it comes to premiums, PHI Direct stands out with lower rates. As per the 2021 North American Pet Health Insurance Association (NAPHIA) Industry Data Report, PHI Direct's average premiums are 45.8% less for dogs and 37.7% less for cats compared to industry averages.
Pros of PHI Direct Pet Insurance
- Cheapest monthly premium
- Vet direct pay is available
- 24/7 access to Telehealth phone care
- Two affordable plans with one low deductible
- 5% multi-pet discount
Cons of PHI Direct Pet Insurance
- Does not cover pre-existing conditions
- Time-limited coverage: 1-year coverage
- Condition in the first year becomes a pre-existing condition in the new year
- Not available in Quebec
What does PHI Direct cover?
Here's an overview of what's covered under this policy.
- Accidents
- Alternative Therapies
- Anesthesia and Surgery
- Behavioural Therapy
- Coverage while Traveling
- Dental Tooth Fracture
- Diagnostics
- Emergency Care
- Exam Fees
- Hospitalisations
- Illnesses (New)
- Imaging - CT scans, MRI, and X-Rays
- Medical Devices
- Medical Procedures
- Prescription Medications
- Referral Specialist Fees
- Parasites
- Surgeries
Now that you know what the PHI Direct pet insurance covers, it's important to know what it doesn't.
Watch out!
PHI Direct does not offer coverage for pre-existing conditions. It's important to note that if a condition arises during a policy year, it will be considered a pre-existing condition in subsequent policy years. This includes any related or bilateral conditions under the "New-Condition Coverage" clause.
