What's the best pet insurance in Newfoundland in 2024?
- 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 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.
- 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
- 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
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.
- 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
- Accidents and illnesses
- Exam fees and taxes
- Hereditary conditions
- Multi-pet discount
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.
- 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
- Care and intervention
- Diseases and accidents
- Advertising/reward for a lost or stolen pet
- Direct payment by veterinarians at participating veterinary hospitals
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.
- 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
- Illness and accidents
- Dental care included
- Behavioural therapy
- Exams fees
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.
- 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
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
- Several reputable pet insurance companies operate in Newfoundland and Labrador, including Petplan Canada, Trupanion and Embrace
- Each pet insurance provider offers different coverage options, with varying inclusions and exclusions
- Petplan Canada provides comprehensive coverage, including accidents, illnesses, diagnostic tests, surgeries, medications, and chronic conditions
- Trupanion offers no payout limits, direct payments to veterinary clinics, and coverage for hereditary and congenital conditions
- When comparing pet insurance providers, consider their coverage options, exclusions, premiums, claims process, customer service, and any additional benefits or discounts offered
Top 2024 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:
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:
- Does not cover pre-existing conditions
- Routine and preventive care require additional coverage
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:
| Company | Coverage options | Pre-existing conditions coverage | Routine care coverage | Standout feature | Cons |
|---|---|---|---|---|---|
| Trupanion | Comprehensive | Optional | No payout limits, direct payments to clinics | Does not cover pre-existing conditions, higher premiums | |
| PHI Direct | Flexible | Optional | No upper age limit means even senior pets can be insured. | Does not cover pre-existing conditions, higher premiums | |
| Fetch | Flexible | Optional | Seamless claims process | Does not cover pre-existing conditions, higher premiums | |
| Petplan Canada | Comprehensive | Optional | High coverage limits, covers hereditary conditions | Does not cover pre-existing conditions, additional cost | |
| PC Insurance | Flexible | Optional | Discounts for multiple pets, competitive premiums | Exclusions for pre-existing conditions | |
| CAA Pet Insurance | Comprehensive | Optional | 24/7 helpline, flexible coverage options | Exclusions for pre-existing conditions | |
| Petsecure | Comprehensive | Optional | Lifetime coverage available, online claims process | Exclusions for pre-existing conditions | |
| Embrace | Customizable | Optional | Coverage for alternative therapies, direct payments | Exclusions for pre-existing conditions | |
| Pet Plus Us | Comprehensive | Optional | Loyalty program, convenient claims process | Exclusions for pre-existing conditions | |
| Healthy Paws | Comprehensive | Not covered | High coverage limits, quick claims reimbursement | Does not cover routine and preventive care |
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:
| Company | Price 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 |
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:
- Research multiple providers and compare their offerings.
- Choose a higher deductible to lower your monthly premium.
- Consider insurers with add-on services such as a wellness plan.
- Insure your pet early since premiums are generally lower for younger pets without pre-existing conditions.
- Bundle multiple pets to avail multi-pet discounts.
- 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!
