What's the best pet insurance in Newfoundland in 2025?

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Newfoundland and Labrador
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Featured Offer
Featured Offer
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
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
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
  • 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 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.

Read our detailed review
  • 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
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
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
  • Accidents and illnesses
  • Exam fees and taxes
  • Hereditary conditions
  • Multi-pet discount
  • Accidents and illnesses
  • Exam fees and taxes
  • Hereditary conditions
  • Multi-pet discount
In agency
Our detailed review

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.

Read our detailed review
  • 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
Rating
4.7
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
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
  • 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
In agency
Our detailed review

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.

Read our detailed review
  • 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
Rating
4.5
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
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
  • Illness and accidents
  • Dental care included
  • Behavioural therapy
  • Exams fees
  • Illness and accidents
  • Dental care included
  • Behavioural therapy
  • Exams fees
In agency
Our detailed review

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.

Read our detailed review
  • 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
Deductible
$100 - $400 age-based annual deductible
Reimbursement Rates
80% reimbursement for accidents and illnesses
Annual max coverage
Unlimited per accident and per illness
Age Limits
No mention of a specific age
Deductible
$100 - $400 age-based annual deductible
Reimbursement Rates
80% reimbursement for accidents and illnesses
Annual max coverage
Unlimited per accident and per illness
Age Limits
No mention of a specific age
  • Multiple low deductible options
  • Dental illness coverage included
  • Unlimited+ plan has no waiting periods for preventive care
  • Multi-pet discount and loyalty discount after the first year
  • Multiple low deductible options
  • Dental illness coverage included
  • Unlimited+ plan has no waiting periods for preventive care
  • Multi-pet discount and loyalty discount after the first year
In agency
Our detailed review

OVMA Pet Health Insurance offers three plans: Comprehensive, Extended, and Unlimited+, all with 80% reimbursement after the deductible. Unlike many providers, OVMA includes exam fees and taxes, reducing out-of-pocket costs. The standout Unlimited+ plan has no annual limits for accidents and illnesses, making it one of the most comprehensive options in Canada.
All plans cover accidents, illnesses, surgeries, diagnostics, medications, hospitalization, and dental (up to $600/year depending on the plan). The Unlimited+ plan also includes annual wellness coverage ($450 for dogs, and $350 for cats). Additional benefits include alternative therapies, behavioural treatments, boarding fees, holiday cancellation, and cremation/burial expenses. While claims are reimbursed, OVMA does offer direct vet pay by request.
Created by the Ontario Veterinary Medical Association, OVMA stands out for its unlimited coverage, built-in wellness care, and non-medical perks. Lower-tier plans have condition-based annual caps, and customization is limited—reimbursement rates are fixed. Premiums for the Unlimited+ plan are higher, but the breadth of coverage and loyalty discounts (3% after year one, 5% after year two) add long-term value.

Ideal Profile: Best for pet owners who want premium coverage with no limits on accident and illness claims. Unlimited+ is ideal for pets with ongoing medical needs or owners who want wellness coverage included. Lower-tier plans suit pet parents seeking solid but capped protection. Not ideal for those looking for customizable reimbursement rates or lower-cost plans with unlimited benefits.

Read our detailed review
  • Unlimited accident and illness coverage in the Unlimited+ plan
  • Covers exam fees and taxes, reducing out-of-pocket costs
  • Includes dental care ($300–$600 per year)
  • Alternative therapies and behavioural training covered
  • Wellness coverage is included in Unlimited+ ($450 for dogs, $350 for cats)
  • Loyalty discount (3% after one year, 5% after two years)
  • Direct vet-pay option available upon request
  • Lower-tier plans have per-condition annual limits ($2,500–$5,000)
  • No customization of reimbursement percentage (fixed at 80%)
  • Wellness coverage only included in Unlimited+
  • Unlimited+ premiums may be higher than basic coverage options
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Owning a pet brings immense joy and companionship, but it also brings along responsibility and financial commitment. Pet insurance can help alleviate the financial burden associated with unexpected veterinary expenses.

If you're looking for some good options for pet insurance in Newfoundland and Labrador, this guide is for you. There are several reputable companies in Newfoundland and Labrador, Canada, that offer pet insurance coverage tailored to the needs of pet owners.

Here's an overview of pet insurance options available in the region, highlighting key features, coverage details, exclusions, and pros and cons. By comparing the offerings, you can make an informed decision about the best pet insurance provider for your furry companions.

Pet insurance in Newfoundland: 5 Key Takeaways

  1. Several reputable pet insurance companies operate in Newfoundland and Labrador, including Petplan Canada, Trupanion and Embrace
  2. Each pet insurance provider offers different coverage options, with varying inclusions and exclusions
  3. Petplan Canada provides comprehensive coverage, including accidents, illnesses, diagnostic tests, surgeries, medications, and chronic conditions
  4. Trupanion offers no payout limits, direct payments to veterinary clinics, and coverage for hereditary and congenital conditions
  5. When comparing pet insurance providers, consider their coverage options, exclusions, premiums, claims process, customer service, and any additional benefits or discounts offered

Top 2025 pet insurances in Newfoundland and Labrador

Fetch pet insurance: Hereditary and congenital conditions covered

Fetch Pet Insurance is another popular pet insurance provider available in Canada, ranking three on our list. Let's explore what they cover, what they don't cover, and the pros and cons associated with their policies:

What it covers:

  • Accidents and illnesses
  • Diagnostics, surgeries, hospitalization, medications, treatments and specialist care
  • Hereditary and congenital conditions, which can be beneficial for certain breeds prone to such conditions
  • Prescription medications prescribed by a licensed veterinarian are covered

What it doesn't cover:

  • Pre-existing conditions
  • Routine and preventive care, such as vaccinations, spaying/neutering, flea/tick control, and wellness exams
  • Cosmetic procedures
  • Breeding-related conditions
  • Experimental treatments

Pros of Fetch:

  • Comprehensive coverage for accidents and illnesses, offering financial protection in unexpected situations
  • You can choose your preferred veterinarian or specialist
  • More control over your pet's healthcare decisions
  • Coverage for hereditary and congenital conditions
  • A simple online claims process

Cons of Fetch:

  • Pre-existing conditions are excluded
  • Routine and preventive care expenses are not covered
  • Exclusion of some specific conditions or treatments

You could now get a quick quote from Fetch Pet insurance and start protecting your pet:

Get a Fetch Pet Insurance Quote

Trupanion: Pet insurance with no payout limits

Trupanion Pet Insurance is another prominent pet insurance provider in Newfoundland and Labrador. It offers comprehensive coverage for accidents and illnesses. Here are the key aspects of Trupanion's coverage:

What it covers:

  • Accidents and injuries
  • Illnesses
  • Diagnostic tests
  • Surgeries and hospital stays
  • Medications
  • Hereditary and congenital conditions
  • Supplements and prosthetic devices

What it doesn't cover:

  • Pre-existing conditions
  • Routine and preventive care
  • Exam fees
  • Breeding and pregnancy-related expenses

Pros of Trupanion:

  • No payout limits
  • Direct payments to veterinary clinics
  • Covers hereditary and congenital conditions
  • Simple claims process
  • Covers certain supplements and prosthetic devices

Cons of Trupanion:

  • Does not cover pre-existing conditions
  • Routine and preventive care require additional coverage
  • Higher premiums compared to some competitors

PHI Direct: Pet insurance with no upper age limit

PHI Direct, a prominent pet insurance provider operating in Canada, ranks number two on our list. Here's an overview of what they cover, what they don't cover, and the pros and cons associated with their policies:

What it covers:

  • Comprehensive coverage for accidents and illnesses that may affect your pet's health
  • Diagnostic tests, surgeries, hospitalization and medications
  • Treatments, and specialist care required for covered conditions
  • Allows you to choose your preferred licensed veterinarian or specialist in Canada
  • Offers a dental care add-on option for an additional fee, covering dental cleanings, extractions, and treatments

What is doesn't cover:

  • Pre-existing conditions
  • Routine and preventive care
  • Cosmetic procedures
  • Breeding-related conditions
  • Experimental treatments

Pros of PHI Direct:

  • Coverage for accidents and illnesses, which can be crucial in unexpected situations
  • More flexibility in managing your pet's healthcare
  • No upper age limit means even senior pets can be insured
  • The dental care add-on option can help address dental issues that are common among pets

Cons of PHI Direct:

  • Pre-existing conditions are not covered
  • Routine and preventive care are not included
  • Some specific conditions or treatments may be excluded
  • The availability of specific coverage options and premiums may vary depending on the pet's age, breed, and location

Petplan: Pet insurance with coverage for alternative therapies

Petplan Canada is a leading provider of pet insurance in Newfoundland and Labrador. It offers comprehensive coverage for various veterinary treatments and procedures. Here are the key aspects of Petplan's coverage:

What it covers:

  • Accidents and injuries
  • Illnesses
  • Diagnostic tests
  • Hospital stays and surgeries
  • Prescription medications
  • Hereditary and congenital conditions
  • Chronic conditions
  • Cancer treatments

What it doesn't cover:

  • Pre-existing conditions
  • Routine and preventive care
  • Cosmetic procedures
  • Breeding and pregnancy-related expenses
  • Behavioral issues

Pros of Petplan:

  • High coverage limits
  • Covers hereditary and chronic conditions
  • Provides coverage for alternative therapies
  • Convenient online claims process
  • Lifetime coverage available

Cons of Petplan:

PC: Pet insurance with discounts for multiple pets

PC Insurance is a trusted provider of various insurance products, including pet insurance. Here are the key aspects of PC Insurance's coverage:

What it covers:

  • Accidents and illnesses
  • Diagnostic tests
  • Surgeries and hospital stays
  • Medications
  • Hereditary and congenital conditions
  • Alternative therapies (with optional coverage)

What it doesn't cover:

  • Pre-existing conditions
  • Routine and preventive care (with optional coverage)
  • Breeding and pregnancy-related expenses

Pros of PC Insurance:

  • Flexible coverage options
  • Discounts for insuring multiple pets
  • Option to add routine and preventive care coverage
  • Online claims submission
  • Competitive premiums

Cons of PC Insurance:

  • Exclusions for pre-existing conditions
  • Additional cost for routine and preventive care coverage

CAA pet insurance: Competitive premiums

CAA pet insurance provides comprehensive coverage for pets in Newfoundland and Labrador. Here are the key aspects of CAA Pet Insurance's coverage:

What it covers:

  • Accidents and illnesses
  • Diagnostic tests
  • Surgeries and hospital stays
  • Medications
  • Hereditary and congenital conditions
  • Alternative therapies (with optional coverage)

What it doesn't cover:

  • Pre-existing conditions
  • Routine and preventive care (with optional coverage)
  • Breeding and pregnancy-related expenses

Pros of CAA Pet Insurance:

  • Flexible coverage options
  • Option to add routine and preventive care coverage
  • Coverage for hereditary and congenital conditions
  • 24/7 helpline for pet-related questions
  • Competitive premiums

Cons of CAA Pet Insurance:

  • Exclusions for pre-existing conditions
  • Additional cost for routine and preventive care coverage

Petsecure: Pet insurance with a 24/7 helpline

Petsecure pet insurance is a well-established provider of pet insurance in Newfoundland and Labrador. Here are the key aspects of Petsecure's coverage:

What it covers:

  • Accidents and illnesses
  • Diagnostic tests
  • Surgeries and hospital stays
  • Medications
  • Hereditary and congenital conditions
  • Alternative therapies (with optional coverage)

What it doesn't cover:

  • Pre-existing conditions
  • Routine and preventive care (with optional coverage)
  • Breeding and pregnancy-related expenses

Pros of Petsecure:

  • Comprehensive coverage options
  • Optional wellness coverage for routine care
  • 24/7 helpline for pet-related questions
  • Convenient online claims process
  • Lifetime coverage available

Cons of Petsecure:

  • Exclusions for pre-existing conditions
  • Additional cost for routine and preventive care coverage

Embrace: Pet insurance with customizable coverage options

Embrace pet insurance offers customisable coverage options in Newfoundland and Labrador. Here are the key aspects of Embrace's coverage:

What it covers:

  • Accidents and illnesses
  • Diagnostic tests
  • Surgeries and hospital stays
  • Medications
  • Hereditary and congenital conditions
  • Alternative therapies (with optional coverage)

What it doesn't cover:

  • Pre-existing conditions
  • Routine and preventive care (with optional coverage)
  • Breeding and pregnancy-related expenses

Pros of Embrace:

  • Customizable coverage options
  • Optional wellness rewards program
  • Coverage for alternative therapies
  • Direct payments to veterinary clinics
  • Transparent claims process

Cons of Embrace:

  • Exclusions for pre-existing conditions
  • Additional cost for routine and preventive care coverage

PetsPlusUs pet insurance: Loyalty program for long-term customers

PetsPlusUs pet insurance is a provider that offers comprehensive coverage options in Newfoundland and Labrador. Here are the key aspects of PetsPlusUs coverage:

What it covers:

  • Accidents and illnesses
  • Diagnostic tests
  • Surgeries and hospital stays
  • Medications
  • Hereditary and congenital conditions
  • Alternative therapies (with optional coverage)

What it doesn't cover:

  • Pre-existing conditions
  • Routine and preventive care (with optional coverage)
  • Breeding and pregnancy-related expenses

Pros of PetsPlusUs:

  • Comprehensive coverage options
  • Optional wellness coverage for routine care
  • Loyalty program for long-term customers
  • Convenient online claims process
  • 24/7 helpline for pet-related questions

Cons of PetsPlusUs:

  • Exclusions for pre-existing conditions
  • Additional cost for routine and preventive care coverage

Healthy Paws: Pet insurance with no annual or lifetime payout caps

Healthy Paws pet insurance is a popular provider known for its straightforward coverage options. Here are the key aspects of Healthy Paws' coverage:

What it covers:

  • Accidents and illnesses
  • Diagnostic tests
  • Surgeries and hospital stays
  • Medications
  • Hereditary and congenital conditions

What it doesn't cover:

  • Pre-existing conditions
  • Routine and preventive care
  • Exam fees
  • Breeding and pregnancy-related expenses

Pros of Healthy Paws:

  • High coverage limits
  • No annual or lifetime payout caps
  • Quick claims reimbursement
  • Coverage for hereditary and congenital conditions
  • Mobile app for easy claims submission

Cons of Healthy Paws:

  • Does not cover routine and preventive care
  • Excludes pre-existing conditions

What do pet insurances in Newfoundland cover?

Choosing the best provider of pet insurance in Newfoundland and Labrador depends on individual preferences and the specific needs of each pet. Also, since there are so many providers in the region offering a variety of coverage schemes, it can be overwhelming to go through each and make a decision.

To make it easier for you, here's a quick comparison table for different pet insurance providers in Newfoundland, summarizing their key features and coverage options:

CompanyCoverage optionsPre-existing conditions coverageRoutine care coverageStandout featureCons
Trupanion
Comprehensive OptionalNo payout limits, direct payments to clinicsDoes not cover pre-existing conditions, higher premiums
PHI Direct
Flexible OptionalNo upper age limit means even senior pets can be insured.Does not cover pre-existing conditions, higher premiums
Fetch
Flexible OptionalSeamless claims processDoes not cover pre-existing conditions, higher premiums
Petplan Canada
Comprehensive OptionalHigh coverage limits, covers hereditary conditionsDoes not cover pre-existing conditions, additional cost
PC Insurance
Flexible OptionalDiscounts for multiple pets, competitive premiumsExclusions for pre-existing conditions
CAA Pet Insurance
Comprehensive Optional24/7 helpline, flexible coverage optionsExclusions for pre-existing conditions
Petsecure
Comprehensive OptionalLifetime coverage available, online claims processExclusions for pre-existing conditions
Embrace
Customizable OptionalCoverage for alternative therapies, direct paymentsExclusions for pre-existing conditions
Pet Plus Us
Comprehensive OptionalLoyalty program, convenient claims processExclusions for pre-existing conditions
Healthy Paws
Comprehensive Not coveredHigh coverage limits, quick claims reimbursementDoes not cover routine and preventive care
Comparison of Newfoundland’s best pet insurances

How much does pet insurance cost in Newfoundland?

It is essential to review the specific terms and conditions, coverage limits, and exclusions of each provider before making a decision.

Here's an estimate of the cost of each provider of pet insurance in Newfoundland and Labrador:

CompanyPrice range
Trupanion
$40 - $120 per month
PHI Direct
$20 to $60 per month
Fetch
$30 to $80 per month
Petplan
$30 - $100 per month
PC Insurance
$20 - $80 per month
CAA Pet Insurance
$25 - $90 per month
Petsecure
$25 - $80 per month
Embrace
$30 - $100 per month
Pet Plus Us
$25 - $90 per month
Healthy Paws
$25 - $70 per month
Estimated prices of Newfoundland’s best pet insurances

Is pet insurance in Newfoundland and Labrador worth it?

Yes, pet insurance in Newfoundland and Labrador is worth it! Pet insurance in Newfoundland and Labrador, as in any other location, is worth every penny. If you don't have pet insurance, the cost of veterinary care in Newfoundland can be a burden.

Eventually, the cost will depend on several factors, including the specific treatment or procedure required, the veterinary clinic or hospital you visit, and the overall health of your pet.

To give you a general idea, here are some common veterinary services and their potential costs in Newfoundland:

  • A routine check-up for your pet, including vaccinations, can range from $50 to $150.
  • The cost of spaying or neutering a dog can range from $200 to $500, depending on the size of the dog and any additional services provided, such as pain medication or blood work.
  • Professional dental cleaning for a dog can cost between $200 and $600, depending on the extent of the cleaning required and if any extractions are necessary.

Good to know

Then there are other cases like emergency care and chronic conditions. Pet insurance can help offset these costs by reimbursing a portion of your veterinary bills.

6 tips to save on pet insurance in Newfoundland

When it comes to saving on pet insurance in Newfoundland, there are several strategies you can consider. Here are some tips to help you save on pet insurance:

  1. Research multiple providers and compare their offerings.
  2. Choose a higher deductible to lower your monthly premium.
  3. Consider insurers with add-on services such as a wellness plan.
  4. Insure your pet early since premiums are generally lower for younger pets without pre-existing conditions.
  5. Bundle multiple pets to avail multi-pet discounts.
  6. Ask insurance providers if they offer any specific discounts.

Now you have all the information you need to choose the best pet insurance in Newfoundland. All you need to do is use our comparator and get instant quotes for your pet.

Compare the best pet insurance plans on the market!

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Sunny has over six years of experience curating engaging content spanning across industries. Specifically in finance, his expertise is insurance reviews and lending and investment topics.

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