Best Dog Insurance in Canada For 2024

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Policy Highlights
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Rating
4.9
Features
Deductible
$300, $500 or $700 age-based annual deductible
Reimbursement Rates
90% reimbursement for accidents and illnesses
Annual max coverage
Three options: $5,000, $10,000, $15,000
Age Limits
Pets must be at least 6 weeks
Policy Highlights
Fetch does not serve Quebec users
  • Injuries, illnesses, dental illnesses
  • Veterinary fees
  • Surgeries and emergency care
  • Cancer treatment
  • Advertising/rewards for lost or stolen pets
With our sponsored partner Fetch
Our detailed review

Fetch Pet Insurance offers a single, comprehensive plan that covers accidents and illnesses with annual coverage limits of $5,000, $10,000, or $15,000. Reimbursement options are 70%, 80%, and 90%, and deductibles vary from $300, $500 or $700*, adjusted based on the pet's age (age-based deductible).
Fetch Pet Insurance includes extensive coverage for various medical needs, including prescription medications, emergency visits, surgeries, and breed-specific issues like hip dysplasia. Fetch also provides unique benefits such as coverage for every tooth and treatment for behavioral issues. The optional wellness add-on enhances coverage, including annual exams, vaccinations, and dental cleanings.
Fetch stands out due to its extensive dental coverage and the inclusion of sick-visit exam fees, which many competitors do not cover. A unique Healthy Pet Credit can reduce premiums by up to 30% for pets with no claims over two years. Compared to other companies like Trupanion, Fetch's maximum annual limit of $15,000 may seem limited, but it provides a balanced option between cost and coverage.

Read our detailed review
  • Complete sick visits are covered
  • Exam fees are included, which saves you around $50-$250 per sick visit
  • Comprehensive dental and behavioural treatments (often excluded by other insurers)
  • Healthy Pet Credit reduces premiums over time by up to 30% for pets with no claims over two years
  • Extensive Dental Coverage for every tooth and related issue, unlike many competitors
  • Breed-specific issues covered
  • No Multi-Pet Discount
  • Annual limit is capped at $15,000
  • No Coverage for Pre-Existing Conditions
  • Not available in New Brunswick and Quebec
Rating
4.9
Features
Deductible
$100 - $300 age-based annual deductible
Reimbursement Rates
70% to 90% (age-based)
Annual max coverage
Unlimited
Age Limits
No mention of a specific age
Policy Highlights
Free Pet Insurance Quote in 30 Seconds
  • No per-incident or lifetime caps
  • Short waiting periods for faster coverage activation
  • Optional wellness coverage available for routine care
  • Low $100 deductible for affordable out-of-pocket costs
  • Multi-pet discounts available
With our partner Spot Pet Insurance
Our detailed review

Spot Pet Insurance offers both Accident & Illness and Accident Only plans with annual coverage limits of $5,000, $10,000, or unlimited. Reimbursement rates range from 70% to 90%, and deductibles from $100 to $300 are adjusted based on the pet's age. The Accident & Illness plan covers vet exam fees, surgeries, diagnostics, and alternative therapies. Spot also offers two wellness plans that can be added to any plan, covering routine and preventive care.
Spot's flexibility in plan options and coverage makes it ideal for pet owners looking for customizable insurance. Compared to other insurers, Spot has shorter waiting periods for coverage activation, making it a more favourable option.

Read our detailed review
  • Customizable Plans to suit different needs
  • Wellness Plan Options: Includes routine and preventive care
  • No Per-Incident or Lifetime Caps: Unlimited annual limit option available
  • High Trustpilot Rating of 4.7, indicating high customer satisfaction
  • Shorter Waiting Periods; faster coverage activation compared to other insurers
  • Multi-Pet Discount
  • No Coverage for Dental Illnesses
  • Age-Based Deductibles
  • Not Available in Quebec
Up to 10% Multi-Pet Discount
Rating
4.7
Features
Deductible
$100 - $700 age-based annual deductible
Reimbursement Rates
Reimbursement level of 70%, 80%, or 90%
Annual max coverage
Annual limit of $15,000
Age Limits
Pet must be at least 7 weeks old to enroll
Policy Highlights
  • Accidents and illnesses
  • Exam fees and taxes
  • Hereditary conditions
  • Multi-pet discount
In agency
Our detailed review

Pets Plus Us Pet Insurance offers two comprehensive plans: Accident & Illness and Accident Only. The Accident & Illness plan provides coverage options of $7,500 or $15,000, while the Accident Only plan offers a coverage limit of $5,000. Pets Plus Us is among the few providers that provide an accident-only plan.
For the Accident & Illness plan, you can choose reimbursement rates of 70%, 80%, or 90% of the veterinary bill, including taxes. The Accident Only plan has a reimbursement rate set at 80%. Deductibles range from $100 to $700 and are age-based, adjusting as your pet grows older. The 4Life Guarantee ensures that your pet’s benefits are renewed continuously throughout their lifetime. Pets Plus Us covers all breeds and breed-associated health conditions, except pre-existing conditions.
Additional benefits include boarding fees, holiday trip cancellations, and lost pet advertising. Pets Plus Us offers a multi-pet discount, making it attractive for households with multiple pets. The coverage for hereditary and congenital conditions and a shorter waiting period for accidents and illnesses sets it apart from many competitors. Notably, Costco Pet Insurance is offered through Pets Plus Us. If you're a Costco member, you can get up to 15% off on your Costco Pet Insurance premiums.

Read our detailed review
  • Unique benefits like 24/7 PetHelpFone and a Compassionate Care Line
  • Up to 15% discount for insuring multiple pets
  • Short Waiting Periods compared to many competitors
  • Coverage for breed-specific hereditary conditions
  • Coverage for boarding fees and trip cancellations due to pet emergencies
  • Accident-Only Plan option
  • Costco members (Costco Pet Insurance) earn between 10% and 15% off
  • BCAA Pet Insurance and CAA Pet Insurance are also offered through Pets Plus Us
  • BCAA and CAA members get up to 13.5% off
  • Does Not Cover Pre-Existing Conditions
  • Age-based deductibles increase as pets age, which can raise costs over time
  • No unlimited coverage option
  • Does not cover wellness or preventive care, unless Flex Care is added
trupanion-logo
Trupanion
Rating
4.7
Features
Deductible
$0 to $1,000 age-based annual deductible
Reimbursement Rates
90% reimbursement for accidents and illnesses
Annual max coverage
None
Age Limits
Can insure eligible pets from birth, but age limit
Policy Highlights
  • Care and intervention
  • Diseases and accidents
  • Advertising/reward for a lost or stolen pet
  • Direct payment by veterinarians at participating veterinary hospitals
In agency
Our detailed review

Trupanion Pet Insurance offers a single, straightforward plan with unlimited annual coverage and a 90% reimbursement rate. Deductibles range from $0 to $1,000 and are per medical condition for the pet's lifetime, which can significantly lower out-of-pocket costs. Coverage includes new and unexpected injuries and illnesses, hereditary and congenital conditions, and advanced treatments like surgeries and hospital stays.
Trupanion's Vet Direct Pay system, which allows for direct payment to veterinarians, sets it apart from competitors like PHI Direct and Sonnet. However, it does not cover wellness care, exam fees, or preventive care.

Read our detailed review
  • Unlimited Coverage as there are no annual or lifetime limits on coverage
  • 90% reimbursement rates
  • Direct Vet Payments
  • Customizable Deductibles: from $0 to $1,000 per condition
  • Coverage for Advanced Treatments including surgeries, hospital stays, and hereditary conditions
  • 24/7 Support offering round-the-clock customer care
  • Advanced Dentistry
  • Routine care and wellness treatments are not included
  • Exam fees are not covered under the policy
  • More expensive than some competitors, like PHI Direct
PHI-logo
PHI Direct
Rating
4.5
Features
Deductible
As low as $200 annually
Reimbursement Rates
80% reimbursement for accidents and illnesses
Annual max coverage
Up to $10,000 in coverage annually
Age Limits
No mention of a specific age
Policy Highlights
  • Illness and accidents
  • Dental care included
  • Behavioural therapy
  • Exams fees
In agency
Our detailed review

PHI Direct Pet Insurance provides a simple plan with annual coverage options of $5,000 or $10,000, an 80% reimbursement rate, and a low deductible of $200. This plan covers a range of treatments, including accidents, illnesses, and emergency care, making it a cost-effective choice for pet owners. It also includes coverage for behavioural therapy, dental fractures, and diagnostics.
PHI Direct is notable for its affordability, with lower premiums than many competitors. According to the 2021 North American Pet Health Insurance Association (NAPHIA) Industry Data Report, PHI Direct's average premiums are approximately 45.8% less for dogs and 37.7% less for cats compared to other insurers. However, it does not cover wellness care or pre-existing conditions, and it is not available in Quebec.

Read our detailed review
  • Premiums are significantly lower than other insurers, making it a budget-friendly option
  • Low Deductible: $200 deductible is lower than many competitors
  • Coverage includes a wide range of treatments and emergency care
  • Covers treatments for behavioural issues
  • Does Not Cover Pre-Existing Conditions
  • Maximum coverage is $10,000 per year
  • Not Available in Quebec
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Do you have dog insurance yet? Well, it's about time you consider it. Our recent HelloSafe survey shows the average cost of owning a dog in Canada has jumped 23.3% in just three years, from $2,450 to $3,020 annually. With costs rising, having dog insurance is more important than ever.

In this guide, we explore the best dog insurance options in Canada, covering their offerings, pros, cons, and costs. Use our free tool to compare dog insurance quotes and find the perfect policy for your furry friend.

Dog Insurance Canada: Top Plans

  1. Fetch dog insurance: Policy with flexible customizations
  2. Trupanion dog Insurance: Policy with generous reimbursement
  3. Desjardins dog Insurance: Affordable policy with good coverage
  4. Pets Plus Us dog Insurance: Multiple plans and affiliate options
  5. Furkin Dog Insurance: Continuous coverage
  6. PHI Direct Dog Insurance: The cheapest monthly premiums

Fetch dog insurance: Policy with flexible customizations

Fetch is an esteemed pet insurance company that has been providing reliable protection for dogs since its establishment in 2007.

Affordability is a key aspect of Fetch Pet Insurance, offering various discount options to ensure manageable monthly premiums. Their coverage is designed to address unforeseen accidents and illnesses, prioritizing the well-being of dogs at all stages of life.

While unlimited coverage is not available, Fetch provides a substantial annual maximum of $15,000, offering protection for a wide range of pet-related issues.

When it comes to customization, Fetch offers flexibility with choices 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's notable features include extensive dental coverage, pet owner assistance, and valuable inclusions like lost pet advertising and boarding during medical emergencies. These features ensure that you have comprehensive support for your dog's well-being.

Fetch also goes the extra mile by offering discounts, including a 10% off for shelter rescues or adopted pets, as well as a 10% discount for active or retired service 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 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 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 insurance 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 get a quick dog insurance quote from our partner Fetch in just a few seconds:

Get a Fetch Pet Insurance Quote

Trupanion Dog Insurance: Policy with generous reimbursement

Trupanion Pet Insurance has been a leading provider in the pet insurance industry since 1998, offering a standout option for dog owners seeking comprehensive coverage.

One of the key advantages of Trupanion is its unlimited coverage, ensuring that your dog's medical expenses are fully protected without per-incident, annual, or lifetime payout limits.

Trupanion Pet Insurance also offers a generous reimbursement rate of 90%, ensuring that a significant portion of your veterinary costs will be covered. Additionally, they allow you to customize your deductible, ranging from $0 to $1,000.

What makes Trupanion truly unique is its lifetime per-condition deductible. This means that you only have to pay the deductible once when your pet develops a new condition, rather than with each claim.

In addition to essential medical expenses, Trupanion provides comprehensive coverage for alternative medicine and therapies. This includes treatments like bone marrow transplants, herbal therapy, and stem cell therapy, letting you explore various options for your dog's well-being.

It's important to note that Trupanion's plans do not include wellness coverage, as their focus is primarily on essential medical expenses. Routine 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 award-winning customer care team

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 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 pet insurance 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 expenses.

Desjardins Dog Insurance: Affordable policy with good coverage

Since its launch in January 2013, the Desjardins Pet Insurance Program has been dedicated to providing comprehensive coverage specifically tailored for dogs.

Backed by Petline Insurance, a trusted provider with a 28-year history of insuring over 1.2 million pets, Desjardins Pet Insurance offers reliable protection for your canine companion.

Desjardins Insurance offers three distinct plans: Bronze Paw, Silver Paw, and Gold Paw. What sets the Silver Paw and Gold Paw plans apart is their extensive coverage for dental care and cleanings, prioritizing the overall health and well-being of dogs.

The average monthly price for Desjardins pet insurance for dogs ranges from $37 for the basic coverage, to $136 for more comprehensive coverage, based on the specific policy.

For those opting for the Bronze Paw plan, there is the option to add $500 coverage specifically for dental care. While the maximum coverage amounts may be slightly lower at $2,000 (Bronze Paw) and $4,000 (Silver Paw) compared to other plans (excluding the Gold Paw unlimited plan), Desjardins Pet Insurance still provides substantial protection for a range of dog-related expenses.

Policyholders with three or more dogs can take advantage of a 10% discount on their monthly premiums, making it more cost-effective to insure multiple furry friends and ensure their well-being without breaking the bank.

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
  • 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
  • Hospitalization
  • 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, or euthanasia (unless it is due to a recommendation associated with an insured incident or illness).

PetsPlusUs Dog Insurance: Multiple plans and affiliate options

Celebrating its 10th anniversary in 2023, PetsPlusUs pet insurance has established itself as a trusted and reputable company in the world of dog insurance. With a decade of positive impact on the lives of 100,000 beloved pets, PetsPlusUs has garnered a strong reputation for reliable coverage and exceptional service.

PetsPlusUs Pet Insurance sets itself apart from the competition by offering exclusive member discounts through partnerships with renowned names like Costco and CAA.

Costco Pet Insurance provides Executive Members with a generous 15% discount, while Gold Star and Business Members receive a valuable 10% discount, making comprehensive pet insurance even more accessible.

When it comes to coverage options, PetsPlusUs offers three comprehensive plans, accompanied by the flexibility of wellness benefits through the optional Flex Care policy add-on. In addition, they provide the convenience of direct payment to the veterinarian for expensive cases.

One notable advantage of PetsPlusUs is the absence of special waiting periods, ensuring that pets can receive coverage promptly without any unnecessary delays.

Their accident and illness plan offers coverage options of $7,500 or $15,000, providing ample protection for unexpected veterinary expenses. 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. For the accident insurance plan, the reimbursement rate is set at a competitive 80%.

PetsPlusUs takes pride in its 4Life Guarantee, ensuring continuous benefit renewal throughout a dog's lifetime. They offer coverage for all breeds and breed-associated health conditions, with the exception of pre-existing conditions.

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 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 dog Insurance: Continuous coverage

Furkin Pet Insurance is a trusted and comprehensive choice for dog owners across Canada. With a team of experienced experts in pet health and insurance, Furkin is dedicated to nurturing the special bond between dogs and their families.

When it comes to coverage, Furkin stands out by offering unlimited 'per condition' benefits. This means that you can utilise your annual coverage for multiple illnesses or accidents throughout the year, providing peace of mind and comprehensive protection for your beloved dog.

Furkin provides the flexibility to choose the deductible that best suits you, giving you full control over your monthly premium.

With Furkin's Lifetime Coverage, there are no caps on eligible conditions. This means that regardless of the ongoing or recurring nature of your dog's health issues, you can enjoy continuous coverage year after year.

Automatic annual renewals further simplify the process, ensuring that your dog remains protected without any interruptions.

Furkin's policy offers a generous $20,000 annual maximum benefit, without any per incident or per illness limits. This means that your dog can receive the necessary care and treatment they need, without any financial constraints hindering their well-being.

They offer 24/7 access to a Telehealth hotline staffed by knowledgeable veterinary nurses, giving you professional guidance whenever you need it.

Additionally, you receive a complimentary subscription to Petriage, an invaluable online pet triaging software that can help you assess your dog's health and provide appropriate care.

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 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 Dog Insurance: The cheapest monthly premiums

A well-established insurance brand, PHI Direct specialises in providing affordable and reliable dog insurance coverage. PHI Direct brings over 20 years of expertise in pet health and insurance to dog owners.

PHI Direct Pet Insurance provides coverage of up to 80%. Their annual policy limits, available in options of $5,000 or $10,000, provide financial protection and flexibility to suit different budgets and requirements.

PHI Direct's coverage includes essential services such as taxes, examination fees, prescription medications, treatment for breed-specific conditions, alternative therapies, dental treatments for tooth fractures, parasite treatments, and more.

PHI Direct stands out by offering a low deductible of $200. They also provide a 5% multi-pet discount, making it more affordable for dog owners with multiple pets to protect their furry family members.

One of the remarkable features of PHI Direct is their unique 'New-Condition' Coverage. This coverage is specifically designed to address the initial high costs associated with diagnosing and treating a new illness or injury in dogs.

By covering the first 12 months of a new condition, PHI Direct helps dog owners better manage their budgets for ongoing care of chronic conditions or future treatments in subsequent policy years.

According to the 2021 North American Pet Health Insurance Association (NAPHIA) Industry Data Report, PHI Direct's average premiums are significantly lower, with approximately 45.8% less for dog insurance and 37.7% less for cat insurance.

Let's take a quick look at the pros and cons of PHI Direct Pet Insurance.

Pros of PHI Direct Pet Insurance

  • Cheapest monthly premium
  • Vet direct pay 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 first year becomes pre-existing condition in new year
  • Not available in Quebec

Good to know

You can explore the best dog insurance Quebec options in our comprehensive guide.

What does PHI Direct cover?

Here's an overview of what's covered under this policy.

  • Accidents
  • Alternative Therapies
  • Anaesthesia 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.

Other dog insurance options in Canada

  1. Peppermint dog insurance: Offers 4 plans that cover exam fees, hospitalization, surgery, diagnostics, medication, and specialist referrals. The rates are affordable and with lower deductibles.
  2. Costco dog insurance: Get up to 15% off if you're a Costco member. An affordable Accident-only plan is also available.
  3. CAA dog insurance: Get 13.5% premiums if you're a member. Non-members get a 9% discount

What is dog insurance?

Dog insurance is a type of health insurance for your dog, protecting their health and shielding your wallet from unexpected expenses. Dog health insurance is a form of pet insurance for your dog that covers unforeseen costs associated with your dog’s health. If your dog is injured or gets sick, veterinary costs can quickly spiral out of control. A simple procedure, like neutering, can cost between $500 and $800. Some more complex operations, like eye surgery, can run to five-figure sums.

Good to know

Home insurance will often insure you for property damage or injury caused by your dog to a third party, but to protect your dog's health, you will need a specific pet health insurance policy.

The annual average cost of owning a dog in Canada is around $3,700, and for a puppy, the price increases to over $4,600. For example, let's take diabetes. The cost of insulin can cost more than $100, depending on your dog’s size, and routine visits typically cost over $300 while dental treatments start at $500. Compare those numbers to the fact that most Canadians can only afford to spend up to $1,500 for veterinary treatment, and dog insurance in Canada becomes the only way to prepare yourself for the unexpected and have the power to act when it comes to the health of your dog.

How much for dog insurance?

Like most insurance, the cost of dog insurance in Canada varies. How much you pay and what is covered will depend on the policy you purchase. Price varies depending 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:

AgeMax annual payoutMax annual deductibleReimbursement rateMonthly premium
<11 months
$5,000$70070%$50.73
<11 months
$15,000$30090%$112.85
5 years
$5,000$70070%$80.17
5 years
$15,000$30090%$182.75
How much is dog insurance?

Most insurers provide coverage nationally, so the price of dog insurance in BC should be similar to that of dog insurance in Ontario. Although, differences can exist between rural, suburban and rural areas because pet ownership in them comes with different levels of risk.

Good to know

Cat insurance is, however, typically less expensive than insurance for dogs. It does pay to compare insurance providers, including Trupanion's pet insurance and others, to get the best coverage at the best price.

How much does it cost to neuter a dog?

Neutering is an important procedure that concerns all breeds. After all, you don't want to unexpectedly have a litter of puppies joining your family. The cost of the surgery depends on the size and gender of your dog:

GenderWeightCost to neuter/spay
Female
0 - 20kg$190
Female
20 - 40kg$215
Female
40+ kg$250
Male
0 - 20kg$150
Male
20 - 40kg$175
Male
40+ kg$200
Cost to neuter dog

Eight tips for the cheapest dog insurance in Canada

With numerous dog insurance providers available, it's essential to navigate the landscape strategically to secure the most cost-effective coverage that meets your furry friend's needs. To help you out, we've compiled eight valuable tips to help you find the cheapest dog insurance in Canada.

  1. Opt for Accident-Only Coverage: Consider accident-only insurance plans as they often come at a lower cost compared to comprehensive coverage options.
  2. Customise Your Policy: Evaluate your dog's specific needs and tailor your policy accordingly. By customising the coverage, you can ensure you're only paying for the essential protection your dog requires.
  3. Adjust Deductibles and Reimbursement Rates: You can lower your premiums by selecting higher deductibles and lower reimbursement rates. This means you'll have higher out-of-pocket expenses when filing a claim, but it can significantly impact the overall cost of your pet insurance.
  4. Seek Discounts: Look for multi-pet discounts, which can range from 5% to 10% off your premiums when you insure multiple pets with the same provider.
  5. Bundle Insurance Policies: Consider bundling your pet insurance policy with other types of insurance, such as renters insurance, as this may qualify you for additional discounts.
  6. Explore Membership Clubs: Check if membership clubs like Costco offer exclusive savings on pet insurance rates. In some cases, you may find discounts of up to 15% off regular premiums.
  7. Enrol Early: It's advisable to enrol your dog at a young age to benefit from lower premiums. Insurance rates are typically more affordable for puppies and younger dogs compared to older dogs.
  8. Maintain Your Pet's Health: Some insurance providers offer diminishing deductibles as a reward for maintaining your pet's good health.

How does dog insurance work?

Dog insurance in Canada helps relieve the financial strain of unforeseen health costs on your wallet when your furry friend is ill or injured. An insurance policy is often the only way pet owners are empowered to do the right thing for their dog’s health and well-being.

Once you’ve chosen the best policy for you and your dog, the insurance provider will calculate a premium (based on several factors such as your dog's age and breed) that you will pay each month.

Watch out!

There will often be a waiting period after you purchase a policy before your coverage kicks in. Any medical treatment in this period will not be covered by the pet insurance provider.

Dog insurance's reimbursements

Usually, you will have to pay the veterinary costs out of your pocket first before being reimbursed by the provider. Rates of reimbursement are typically between 80% and 100% after you pay the deductible, a dollar amount you have to spend before the insurance kicks in.

For example, Desjardins' pet insurance offers 80% of expenses covered and a 10% discount if you insure 3 or more pets with them.

Getting the cash to pay upfront may seem daunting, but that way you are not limited to vets that partner 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 for help finding a vet.

Expert advice

Insurance companies almost always ask you for all the paperwork associated with your claim, so remember to keep all your receipts and documentation from the vet.

When to buy dog insurance?

The best time to get insurance for your dog is when they are young, ideally still a puppy. Many dogs will have at least one medical emergency in their lifetime, which is the reason why veterinarians recommend getting coverage as soon as possible.

Most pet owners in Canada buy dog health insurance earlier than 6 months after getting their dog.

Each breed has its health risks, and each stage of a dog’s life comes with its own hazards. Pet insurers will rarely cover a pre-existing condition. That’s why it’s so important to start your coverage while your dog is young.

Also, the younger your dog is when they get insured, the cheaper your insurance policy gets. Peace of mind — that is what the best dog insurance gets you in the case of unexpected veterinary costs.

What does dog insurance cover?

Pet health insurance in Canada covers a variety of emergency and longer-term treatments for your dog. The availability of the treatments and the amount reimbursed will depend on your policy’s coverage. Let's look at accident and illness vs preventive care coverage.

Accident and illness coverage

If your dog suffers an accident or becomes unwell, most insurers will cover the costs of:

  • X-rays
  • Short stays for monitoring
  • Emergency diagnosis
  • Prescriptions
  • Any surgery they may need
  • MRI and other scans
  • Chemotherapy

Preventative care coverage

Preventative medicine is always more effective (and cheaper in the long run) than reactive medicine. However, usually, only the best dog insurance in Canada will cover these kinds of treatments, including:

  • Annual examinations
  • Vaccines
  • Flea treatments
  • Urinalysis and fecal analysis
  • Heartworm treatment

What isn’t covered by dog insurance?

Dog insurance does not typically cover:

  • Routine check-ups
  • Any conditions the insurer deems to be pre-existing
  • Wellness exam fees
  • Vaccinations
  • Spay/neuter
  • Microchip
  • Parasite prevention
  • Routine lab work
  • Dental cleaning

Although the cheapest dog insurance in Canada will not cover routine veterinary expenses, some insurance companies offer pet wellness plans that reimburse you for common, expected procedures such as vaccination and most routine tests.

Good to know

Did you know that oral infections are the most common diseases in all dogs? Tartar and gingivitis are particularly problematic.

What should I consider when choosing dog insurance?

In Canada, pet owners have several options when it comes to dog insurance to protect their furry friends and prevent a blow to their wallets.

Here are the main factors to consider when choosing the best dog insurance for you:

  • Age: the younger the dog, the cheaper the premium and overall insurance will be. Also, an older dog is more likely to develop a health condition. Note that insurers never cover pre-existing conditions.
  • Breed: some breeds are more expensive to insure than others. For example, dog insurance for Great Danes and English Bulldogs costs more than for Chihuahuas and Jack Russell Terriers.
  • Gender: when it comes to insurance, male dogs are more expensive than female dogs. Also, spayed females have the lowest premiums.
  • Deductible: the higher the deductible, the cheaper the premium. However, note that your insurance will only start to reimburse your vet costs after you reach the deductible sum out of your own pocket.
  • Location: where you live with your dog will influence how much you pay. Certain cities carry more outdoor risks than others.
  • Additional coverage: you can purchase additional coverage such as wellness plans or preventive medicine, though these will naturally increase the cost of your insurance policy.

Is pet insurance worth it for dogs?

You might be asking yourself: is dog insurance worth it? Pet insurance is worth having if you want to be able to look after your dog and keep them in the best health possible. Dog ownership is expensive! For an estimate, try our dog cost calculator.

Not having adequate protection can mean having to pay hefty, unexpected fees (that are difficult for any budget) or, in a worst-case scenario, not being able to pay for treatment for your dog at all.

Typical costs associated with healthcare for dogs

Veterinary services for an adult dogCost
Routine visit
$120
Vaccines
$150
Parasite prevention
$200
Dental x-rays
$245
Teeth cleaning
$531
Tests and screening
$250
Is dog insurance worth it in Canada?

As you can see the cost of routine visits and normal, preventative care is not negligible. If you imagine a situation, perhaps with an older dog, where routine care needs to be more frequent and health complications can arrive suddenly and cause other problems, you can see the need for comprehensive insurance.

At the same time, a younger dog, from a relatively healthy breed might only need accident insurance to cover them if they are injured. However, it is better to have insurance you don't use than not to have insurance and need it!

Expert advice

Remember to read your policy carefully so you’ll know exactly what is covered and what isn’t when you need to make a claim.

Now that you have a good idea about dog insurance, you could use our comparator below and get quick and tailor-made quotes for Canada's best pet insurance.

Compare the best pet insurance plans on the market!

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Nishadh Mohammed
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Nishadh Mohammed is a seasoned news editor and financial writer, working with HelloSafe since May 2023. Nishadh has developed expertise in financial markets, insurance, and investment products, with a deep understanding of the Canadian financial landscape. He has honed his SEO skills and content marketing strategies while writing for Canadian publishing houses. Armed with a master's in Business Analytics and extensive journalistic experience, Nishadh uniquely combines data proficiency and thorough research to deliver comprehensive and accessible information.

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