Get the Best Pet Insurance in Nova Scotia for 2025
- Injuries, illnesses, dental illnesses
- Veterinary fees
- Surgeries and emergency care
- Cancer treatment
- Advertising/rewards for lost or stolen pets
- Injuries, illnesses, dental illnesses
- Veterinary fees
- Surgeries and emergency care
- Cancer treatment
- Advertising/rewards for lost or stolen pets
Fetch Pet Insurance offers a single, comprehensive plan tailored for pet owners who want extensive yet flexible coverage. With annual limit options of $5,000, $10,000, or $15,000 and customizable reimbursement rates (70%, 80%, or 90%), Fetch allows pet parents to find a plan that fits their budget. The plan covers accidents, illnesses, hereditary conditions, and advanced treatments, although there is no unlimited coverage tier. Deductibles range from $300 to $700 and are age-based, offering some adaptability based on your pet’s needs.
What sets Fetch apart is its inclusive dental coverage for all teeth and gum disease—something many other providers overlook. The plan also includes alternative therapies like acupuncture and behavioural treatments, as well as sick-visit exam fees, which are often excluded by competitors. Additional perks include lost pet advertising, boarding fees during the owner's hospitalization, and a wellness add-on for routine care. Fetch also offers a Healthy Pet Credit, lowering premiums by up to 30% after two claim-free years. However, there’s no option for direct vet payment—claims must be paid out-of-pocket first.
Fetch does have some drawbacks. It doesn’t cover pre-existing conditions, prescription food, or late claims (over 90 days). A six-month waiting period applies to hip and knee issues, though this can be waived with a timely vet exam. It’s also unavailable in New Brunswick and Quebec. Still, for pet owners looking for generous dental and therapeutic coverage with flexible plan design, Fetch is a top-tier contender.
Ideal Profile: Best for pet owners looking for comprehensive accident, illness, and dental coverage, with flexible reimbursement and deductible options. Especially recommended for younger pets who are more prone to accidents and illnesses—getting coverage early can help secure lower premiums and ensure broad eligibility for care.
- Comprehensive accident and illness coverage
- Extensive dental coverage (includes all teeth and gum disease)
- Covers alternative therapies (acupuncture, chiropractic care, behavioural therapy)
- Sick-visit exam fees included (saves $50–$250 per visit)
- Flexible reimbursement options: 70%, 80%, or 90%
- Annual limits of $5,000, $10,000, or $15,000
- No upper age limit for pet enrollment
- Healthy Pet Credit: Up to 30% off premiums with no claims for two years
- No unlimited coverage option
- No direct vet payment (must pay upfront and get reimbursed)
- Not available in New Brunswick or Quebec
- Routine wellness care requires an additional add-on
- Accidents and illnesses
- Exam fees and taxes
- Hereditary conditions
- Multi-pet discount
- Accidents and illnesses
- Exam fees and taxes
- Hereditary conditions
- Multi-pet discount
Pets Plus Us offers two main plans: Accident & Illness and Accident Only—making it one of the few Canadian insurers with an accident-only option. The Accident & Illness plan comes with annual coverage limits of $7,500 or $15,000 and customizable reimbursement rates (70%, 80%, or 90%), while the Accident Only plan offers a fixed $5,000 limit and 80% reimbursement. Deductibles are age-based, starting at $100 and increasing with the pet’s age.
Coverage includes hereditary conditions, diagnostics, hospitalization, surgeries, medications, behavioural therapy, and alternative treatments like acupuncture. Both plans include extra benefits like boarding fees, trip cancellation, and end-of-life expenses. Blue Ribbon Benefits add value with 24/7 vet access, poison control, and grief counselling.
Pets Plus Us stands out with its 4Life Guarantee, which ensures lifelong coverage as long as the policy stays active, and there are no breed exclusions. However, it doesn’t cover dental care, pre-existing conditions, or preventive treatments, and lacks an unlimited coverage option.
Ideal Profile: Best for pet owners looking for customizable coverage with strong accident and illness protection. The Accident & Illness plan is ideal for those wanting comprehensive care, while the Accident Only plan is a budget-friendly alternative perfect for younger and active pets. A great fit for those seeking lifetime coverage with no breed restrictions.
- Two customizable annual limits: $7,500 or $15,000
- Accident-only plan available for budget-conscious pet owners
- Reimbursement options of 70%, 80%, or 90% for Accident & Illness
- Covers hereditary and congenital conditions
- Alternative therapies and behavioral therapy included
- $1,000 in additional benefits per incident for trip cancellations, boarding, lost pet advertising, and end-of-life costs
- 4Life Guarantee ensures lifetime renewability
- No breed exclusions
- No unlimited coverage option
- Dental care and routine wellness treatments not covered
- Pre-existing conditions are excluded
- Deductible increases with pet’s age
- Care and intervention
- Diseases and accidents
- Advertising/reward for a lost or stolen pet
- Direct payment by veterinarians at participating veterinary hospitals
- Care and intervention
- Diseases and accidents
- Advertising/reward for a lost or stolen pet
- Direct payment by veterinarians at participating veterinary hospitals
Trupanion Canada offers a simple yet robust pet insurance plan with 90% reimbursement and no payout limits—making it one of the few providers with truly unlimited coverage. Instead of annual deductibles, it uses a per-condition lifetime deductible, so you only pay once per issue, no matter how long treatment continues. Coverage begins after a 5-day waiting period for accidents and 30 days for illnesses.
The core plan includes diagnostics, surgeries, hospital stays, medications, and hereditary conditions. Trupanion Pet Insurance’s standout feature is its Vet Direct Pay system, allowing the insurer to pay your vet directly at checkout (at participating clinics), avoiding out-of-pocket costs. Optional add-ons cover alternative therapies and lost pet support.
While Trupanion Canada offers excellent long-term value for pets with chronic conditions, it doesn’t cover exam fees or routine care. Premiums are generally higher, but the unlimited coverage and direct vet payment make it a strong option for owners seeking dependable, lifetime protection.
Ideal Profile: Best for pets with chronic or hereditary conditions, especially if you're worried about long-term treatment costs. A solid choice for owners who want predictable costs and peace of mind, particularly for breeds prone to specific health issues. Not ideal if you're looking for coverage on routine checkups or want to customize reimbursement levels.
- 90% reimbursement
- No annual or lifetime payout caps
- Lifetime per-condition deductible is ideal for chronic conditions
- Option to pay vets directly at checkout
- Covers congenital and hereditary conditions
- Fast claims processing
- No coverage for exam fees or wellness/routine care
- Higher premiums compared to other providers
- Limited customization
- Not ideal for owners seeking coverage for preventative care
- Illness and accidents
- Dental care included
- Behavioural therapy
- Exams fees
- Illness and accidents
- Dental care included
- Behavioural therapy
- Exams fees
PHI Direct offers a simple, affordable pet insurance plan with two annual coverage limit options: $5,000 or $10,000. It features 80% reimbursement and a low $200 annual deductible, making it an accessible choice for budget-conscious pet owners. What makes PHI Direct unique is its “New-Condition Coverage” model—any condition treated during the policy year is considered pre-existing the following year, which helps keep premiums low but limits long-term coverage for recurring or chronic conditions.
The plan covers a broad range of treatments, including accidents, illnesses, surgeries, hospitalization, prescriptions, diagnostics, and even alternative therapies like acupuncture and physiotherapy. Exam fees and taxes are also covered, and 24/7 telehealth access is included for added convenience. Pets can be enrolled from 7 weeks up to 14 years old, and a 5% multi-pet discount is available. However, PHI Direct doesn’t cover routine dental care, wellness services, bilateral conditions, or ongoing treatment for issues from a prior policy year.
PHI Direct is best suited for young, healthy pets whose owners want low-cost protection against new accidents and illnesses. Its streamlined, no-frills model offers solid short-term value, but it's not ideal for pets with ongoing medical needs or those prone to chronic conditions.
Ideal Profile: Best for young, healthy pets or pet owners looking for affordable accident and illness coverage without ongoing treatment needs. The low-cost premiums and straightforward policy make it a good option for budget-conscious pet parents. Not suitable for pets with chronic conditions, as prior-year treatments are excluded from future coverage.
- Two affordable annual coverage options: $5,000 or $10,000
- Low $200 deductible, making claims reimbursement quicker
- Exam fees, taxes, and alternative therapies included
- 24/7 Telehealth support for quick pet health consultations
- 5% multi-pet discount for households with multiple pets
- Keeps premiums lower over time with the New-Condition model
- New-Condition Coverage model means conditions covered one year are excluded the next
- No coverage for pre-existing conditions, wellness care, or preventive treatments
- Bilateral conditions (e.g., hip dysplasia, cruciate ligament issues) are not covered
- Not ideal for pets with chronic illnesses requiring long-term treatment
- 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
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.
- 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
As one of the countries in the world with the most pets, Canada’s heart melts at the sight of a cute kitten or a silly puppy. Yes, we love our pets.
In Nova Scotia, where 41% of pet owners let their pets sleep in their beds, more than a quarter of pet owners declare themselves ready to spend more on pet food and products that deliver extra health or wellness benefits.
That’s right, Nova Scotians pamper their pets, but as a pet owner, there are some things you can’t control. If your pet got sick or injured, would you be able to afford the thousands of dollars it may cost to treat them? Is your pet protected?
This guide will introduce you to the different elements of pet insurance in Nova Scotia, what is covered, how much it costs, why you need it, and where to adopt a pet in Nova Scotia.
Top 6 best pet insurances in Nova Scotia for 2025
- Trupanion Pet Insurance: Lifetime per condition deductible
- Fetch Pet insurance: Flexible customisations
- Desjardins Pet Insurance: Affordable and good coverage
- PetsPlusUs Pet Insurance: Multiple plans and affiliate discounts
- Furkin Pet Insurance: Uninterrupted coverage
- PHI Direct Pet Insurance: New-condition coverage
Our 2025 ranking of Nova Scotia's best pet insurances
Finding the perfect pet insurance can be a challenging task, considering the numerous factors to consider. But worry not! We've done the hard work for you.
The following section evaluates the top pet insurances in Nova Scotia, providing invaluable information on pricing, coverage details, exclusions, discounts, and more.
To make it even easier, our user-friendly tool at the top of the page allows you to compare and obtain personalised pet insurance quotes in seconds. Get ready to safeguard your furry friend's health and well-being with the perfect insurance that suits both your needs and budget.
Trupanion Pet Insurance: Lifetime per condition deductible
Trupanion Pet Insurance has been a dominant force in the industry since 1998, thanks to its exceptional Lifetime Policy.
With a remarkable track record of nearly $2 billion in claims paid out, Trupanion sets itself apart by offering unlimited coverage coupled with an impressive reimbursement rate of 90%. What's more, there are no per incident, annual, or lifetime payout limits to worry about.
One of Trupanion's key strengths lies in its flexibility. You have the freedom to customise your deductible, ranging from $0 to $1,000, enabling you to find a monthly cost that fits your budget perfectly.
Notably, Trupanion Pet Insurance has a standout feature: the lifetime per condition deductible. This means you only need to pay when your pet develops a new condition.
While routine wellness care is not included in Trupanion's plans, the company excels in providing swift service and convenience. In fact, they can directly pay your veterinarian before you leave.
Moreover, Trupanion goes the extra mile by offering comprehensive coverage for alternative medicine and therapies, including bone marrow transplants, herbal therapy, and stem cell therapy.
It's important to bear in mind that Trupanion's plans do not include wellness coverage, as their focus is primarily on essential medical expenses. Additionally, exam fees are considered part of standard administrative expenses and are therefore excluded from coverage.
Let's take a quick look at the pros and cons of Trupanion.
Pros of Trupanion Pet Insurance
- 90% reimbursement
- Unlimited coverage without payout limits
- Customizable deductible from $0 to $1,000
- Per medical condition lifetime deductible
- Vet direct pay option
- 24/7 support 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 cover pre-existing conditions. It also excludes exam fees, wellness care (including parasite control, spaying/neutering, and vaccinations), elective procedures (such as tail docking, ear cropping, declawing, and dewclaw removal), as well as costs related to cremation, burial, and post-mortem.
You can get a quick pet insurance quote from our partner Trupanion in just a few seconds.
Fetch Pet insurance: Flexible customisations
Fetch by The Dodo, formerly known as Petplan, is an esteemed pet insurance company that has been providing reliable protection since its establishment in 2007.
Fetch Pet Insurance places a strong emphasis on affordability, offering a range of discount options to ensure that monthly premiums are manageable for pet owners.
Their coverage is thoughtfully designed to cater to pets of all ages, with a primary focus on unexpected accidents and illnesses.
Fetch Pet Insurance has impressive customisation options, allowing policyholders to tailor their coverage to meet their individual needs. This includes the ability to select options for annual coverage, deductible, and reimbursement rate, ensuring a personalised monthly premium.
Although Fetch does not provide unlimited coverage, their substantial $15,000 annual maximum offers ample protection for a wide range of pet-related issues.
When it comes to customisation, Fetch provides flexibility by offering options such as annual deductibles of $250, $300, and $500, annual coverage limits of $5,000, $10,000, and $15,000, and reimbursement rates of 70%, 80%, and 90%.
Fetch stands out with several noteworthy features, including extensive dental coverage, pet owner assistance, and valuable inclusions like lost pet advertising and boarding during medical emergencies.
Furthermore, Fetch extends discounts to their policyholders, such as a 10% off for shelter rescues or adopted pets, as well as a 10% discount for active or retired service members.
Let's take a quick look at the pros and cons of Fetch Pet Insurance.
Pros of Fetch Pet Insurance
- Comprehensive coverage for various conditions, treatments
- Flexible pricing options based on deductible, coverage, reimbursement
- Exclusive access to Fetch Forward technology for personalised advice
- Fast and easy claim process with prompt payment
- Extensive dental coverage
- No enrolment fee and flexible cancellation policy
Cons of Fetch Pet Insurance
- Does not cover pre-existing conditions
- Lack of coverage for routine preventative care
- No multi-pet discount
- Not available in New Brunswick and Quebec
- No vet direct pay
What does Fetch cover? Here's an overview of what's covered under this policy.
- Veterinary Exam Fees
- Emergency Vet Visits
- Specialist Vet Visits
- Comprehensive Dental
- Breed-specific Conditions
- Complete Sick Visit
- Injuries & Illnesses
- Virtual Vet Visits
- Diagnostic Tests
- Imaging & Ultrasound
- Holistic & Chiropractic care
- Behavioural Therapy
- Cancer Treatment
- Surgery & Rehabilitation
Now that you're aware of what is covered, it's important to understand what Fetch pet insurance doesn't cover.
Watch out!
Fetch, like other pet insurance companies, excludes coverage for pre-existing conditions. It also excludes 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 pet insurance quote from our partner Fetch in just a few seconds:
Desjardins Pet Insurance: Affordable and good coverage
Since its inception in January 2013, the Desjardins Pet Insurance Program has been dedicated to providing comprehensive coverage for pets.
Backed by Petline Insurance, a reputable provider with a 28-year track record of insuring over 1.2 million pets, Desjardins Pet Insurance offers reliable protection.
Desjardins Insurance offers three distinct plans: Bronze Paw, Silver Paw, and Gold Paw. Notably, the Silver Paw and Gold Paw plans offer exceptional coverage for dental care and cleanings, promoting the overall health and well-being of your beloved pets.
The Desjardins Pet Insurance plans are designed to be affordable, with average monthly prices ranging from $37 for dogs and $26 for cats under the policy, to $136 for dogs and $87 for cats, depending on the chosen coverage.
Under the Bronze Paw plan, you can add an additional $500 coverage specifically for dental care. While the maximum coverage for the Bronze Paw and Silver Paw plans may be slightly lower at $2,000 and $4,000 respectively (excluding the Gold Paw unlimited plan), they still provide substantial protection.
Policyholders with three or more pets can enjoy a valuable 10% discount on their monthly premiums, making it more cost-effective to insure multiple furry friends under the Desjardins Pet Insurance Program.
Let's take a quick look at the pros and cons of Desjardins Pet Insurance.
Pros of Desjardins Pet Insurance
- Desjardins has a comprehensive online portal
- They offer three plans to suit your pets needs
- You can insure a pet at any age
Cons of Desjardins Pet Insurance
- There are no discounts available
- Behavioural, alternative therapies and medical device coverage are add-ons
What does Desjardins Pet insurance cover? Here's an overview of what's covered under this policy.
- X-rays
- Hospitalisation
- Veterinary diagnostics and treatment
- Prescription drugs
- Surgery
- MRIs
- Chemotherapy
- Preventive care coverage
- Dental care
- Behavioural therapy (add-on)
- Alternative therapy (add-on)
Now that you know what Desjardins Pet Insurance covers, let's see what it doesn't cover.
Watch out!
Desjardins Pet Insurance does not cover pre-existing conditions. Additionally it does not provide coverage for flea control, pet food, including prescription diet and therapeutic nutrition if any. At the same time, it doesn't cover spaying or neutering, euthanasia (unless it is due to a recommendation associated with an insured incident or illness).
PetsPlusUs Pet Insurance: Multiple plans and affiliate discounts
PetsPlusUs pet insurance is a reputable company that has reached a significant milestone as it celebrates its 10th anniversary in 2023. Over the past decade, they have positively impacted the lives of 100,000 beloved pets.
In addition to prioritising individual cases, PetsPlusUs goes above and beyond by donating over $250,000 to support animal welfare organisations. With over $21 million reimbursed in claims, PetsPlusUs has a solid reputation.
What sets PetsPlusUs Pet Insurance apart is their unique member discounts offered through affiliations with Costco and CAA. For example, Executive Members of Costco Pet Insurance enjoy a generous 15% discount, while Gold Star and Business Members receive a valuable 10% discount.
PetsPlusUs offers three comprehensive plans, along with the flexibility of wellness benefits through the optional Flex Care policy add-on. This allows pet owners to choose a plan that suits their specific needs and preferences.
Additionally, PetsPlusUs ensures a seamless claims process by offering the convenience of direct payment to the veterinarian for costly cases. PetsPlusUs policies also do not have special waiting periods.
To cater to a wide range of pet owners, PetsPlusUs offers customisable monthly premiums. Pet owners have the flexibility to tailor their coverage by selecting deductible and reimbursement rate options that align with their individual circumstances.
The accident and illness plan provides coverage options of $7,500 or $15,000, while the accident insurance plan offers coverage of $5,000, providing enhanced value compared to similar plans available in the market.
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 their 4Life Guarantee, which ensures continuous benefit renewal throughout a pet's lifetime. They cover 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 does not cover 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 excludes illnesses, routine preventive care, pre-existing conditions, non-accident-related issues, or accidents within the initial 48-hour waiting period.
Furkin Pet Insurance: Uninterrupted coverage
Furkin Pet Insurance is a highly regarded option for Canadian pet owners in search of comprehensive coverage. With a team of seasoned experts in the fields of pet health and insurance, Furkin is fully dedicated to supporting the special bond between pets 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.
Furkin offers flexibility in choosing the deductible that best suits your needs. This allows you to have control over your monthly premium, ensuring that it aligns with your budgetary requirements.
With Furkin's Lifetime Coverage, you can enjoy the assurance of continuous coverage year after year. There are no caps on eligible conditions, ensuring that your pet receives the necessary care without limitations.
The policy provides a generous $20,000 annual maximum benefit, and there are no per incident or per illness limits.
Furkin goes above and beyond to provide exceptional support for pet owners. They offer 24/7 access to a Telehealth hotline staffed by veterinary nurses, enabling you to receive expert guidance and advice whenever you need it.
Additionally, Furkin provides a complimentary subscription to Petriage, an invaluable online pet triaging software that can assist in assessing your pet's health needs.
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 Pet Insurance: New-condition coverage
PHI Direct, an esteemed insurance brand, has carved its niche in the pet insurance market by providing affordable coverage without compromising on quality.
With a highly skilled team of professionals specialising in veterinary care, actuarial science, brand management, and insurance marketing, PHI Direct boasts over two decades of expertise in pet health and insurance.
When it comes to coverage, PHI Direct Pet Insurance offers a comprehensive range of services with generous coverage of up to 80%. Their annual policy limits of either $5,000 or $10,000 ensure that pet owners have robust financial protection.
The coverage provided by PHI Direct encompasses various essential services, including taxes, examination fees, prescription medications, breed-specific conditions, alternative therapies, dental treatments for tooth fractures, parasite treatments, and more.
PHI Direct understands the financial considerations of pet owners and offers attractive features to make their policies more accessible. With a low deductible of just $200 and a 5% multi-pet discount, PHI Direct supports pet owners with multiple pets.
A standout feature of PHI Direct is their innovative 'New-Condition' Coverage, which specifically addresses the first 12 months of a new illness or injury. This coverage period is invaluable as it tackles the initial high costs associated with diagnosing and treating a new condition.
By offering this coverage, PHI Direct enables pet owners to better manage their budgets for ongoing care of chronic conditions or future treatments in subsequent policy years.
Notably, PHI Direct's premiums are significantly lower compared to industry averages. As pet the 2021 North American Pet Health Insurance Association (NAPHIA) Industry Report, PHI Direct's average premiums are approximately 45.8% less for dogs and 37.7% less for cats.
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
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.
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.
Good to know
Do you know the NSVMA? The Nova Scotia Veterinary Medical Association, or NSVMA, is the authority that regulates Veterinary Medicine in the province. The NSVMA screens all vets and veterinary professionals applying for the mandatory license to practice in Nova Scotia, to ensure they are competent and qualified. The NSVMA can also help you choose your vet or follow up on any bad experiences with a professional or animal hospital in the province.
What are the pet insurance prices in Nova Scotia?
Pet insurance in Nova Scotia comes at a variety of prices. The cost of pet insurance depends on factors such as your animal, their age, what is covered, your reimbursement rate, the deductible you desire (which can be per year or per condition), and the payout limit.
The average monthly insurance premium in Nova Scotia is $46 for dog insurance and $24 for cat insurance. Many insurers offer multi-pet discounts, so it might be worth looking into that if you have several pets.
Below you can see how much pet insurance costs in Nova Scotia for a Labrador Retriever, Bluenoser’s most common breed, using Desjardins pet insurance for a puppy as an example.
Bronze Paw
- $2,000 max accident coverage
- $2,000 illness coverage (per condition, per year)
- 80% reimbursement rate
- $100 annual deductible
- Optional $500/year max dental care coverage (+$8.15/month)
Silver Paw
- $4,000 max accident coverage
- $4,000 illness coverage (per condition, per year)
- 80% reimbursement rate
- $100 annual deductible
- $700/year max dental care coverage
- Optional $350/year for each category (+$36/month)
- Alternative therapy
- Behavioural therapy
- Medical devices
Bronze Paw
- Unlimited accident coverage
- Unlimited illness coverage
- 80% reimbursement rate
- $100 annual deductible
- $1,000/year max dental care coverage
- $350/year for each category
- Alternative therapy
- Behavioural therapy
- Medical devices
- Preventive care included
$39.56 monthly premium
$63.87 monthly premium
$162.94 monthly premium
If it’s a cat you want to insure, here is an example of pet insurance for a cat in Nova Scotia, using Trupanion pet insurance and the Nova Scotian’s most common feline breed, the Domestic Shorthair, as an example:
| Age | Deductible per condition | Reimbursement rate | Monthly premium |
|---|---|---|---|
| <12 months | $500 | 90% | $13.86 |
| <12 months | $0 | 90% | $25.01 |
| 5 years | $500 | 90% | $21.79 |
| 5 years | $0 | 90% | $45.79 |
Expert advice
Most pet insurance providers offer an annual deductible, but Trupanion’s deductible is per condition, meaning you only pay the deductible for every new condition diagnosed.
Most insurers provide coverage nationally, so the pet insurance prices in Nova Scotia should be similar to the cost of pet insurance in Ontario, for example. Sometimes, there are differences between urban, suburban and rural areas because pet ownership comes with different risks in each of these areas.
Is pet insurance more expensive in Nova Scotia?
No. As a private service, pet insurance will not change for providers in different provinces in Canada. Most pet insurance companies offer coverage to anyone living anywhere in Canada, and often even include the U.S. Therefore, pet insurance in Nova Scotia will be no more expensive than Quebec pet insurance or Alberta pet insurance — though the pets themselves may differ significantly! Use the comparison tool above to get an idea of how much pet insurance would cost you.
What is SPCA Nova Scotia Pet Health Insurance?
The Society for the Prevention of Cruelty to Animals (SPCA) in Nova Scotia is particularly active in the province and even provides pet insurance for cats and dogs.
Although it focuses on Nova Scotia and therefore caters to the specific needs of Nova Scotians, all Canadians can purchase Nova Scotia SPCA pet insurance wherever they live.
How does pet insurance work in Nova Scotia?
Nova Scotia pet insurance works just like pet insurance in the rest of the country. It exists to relieve pet owners when they get unexpected veterinary costs related to their animals’ health. The comparison tool above can help you choose the best pet insurance in Nova Scotia for you and your companion. Once you’ve chosen the pet health insurance coverage that fits your pet’s (and your wallet’s) needs, the insurance provider will calculate a premium (using several factors such as the type of animal, age and breed) that you will have to pay each month.
Watch out!
Most pet insurance policies have a waiting period between signing the contract and the actual start of coverage. Keep that in mind after you sign the contract because during that period your pet isn’t covered, which means you’ll have to pay any bills without the help of insurance.
In most cases, you will have to pay for any veterinary expenses first before the insurance reimburses you according to the rate covered under the policy. Rates of reimbursement are commonly somewhere between 80 and 100%.
For example
For example, Fetch allows you to choose between 70 and 90% bill coverage for an annual coverage amount starting as low as $5,000 and going up to unlimited annual coverage.
Some pet insurers allow you to choose whether you get reimbursed or if they pay the vet directly. Note that if they pay the vet directly, you will be limited to vet clinics and animal hospitals in their network, which may quickly become impractical in the case of an emergency. But if your preferred vet clinic or animal hospital is already a part of their network, then it might be worth considering this option for your policy.
Providers also occasionally offer a 24-hour helpline that you can call for advice or help to find a vet.
Expert advice
Always save all the receipts and documentation from the vet or hospital as pet insurance providers tend to ask you for all the paperwork associated with your pet’s health condition. Many insurers today have Apps you can upload the documents to directly, thus quickening the reimbursement procedure.
What does pet insurance cover in Nova Scotia?
Typically, pet health insurance in Nova Scotia covers any medical emergency your pet may suffer from. That could mean an accident, getting sick or a longer-term condition that needs continued therapy. What treatments are available to you, the amount reimbursed and how much you’ll have to pay yourself will depend on your policy’s details.
Accident and illness coverage
If your pet has an accident or gets sick, most pet insurance policies will cover the costs of:
- X-rays
- Short stays for monitoring
- Emergency diagnosis
- Prescriptions
- Any needed surgery
- MRIs and other scans
- Chemotherapy
For example
A few years ago, Uma and Shannah rescued a cat and named her Tee. One night, as Uma was brushing Tee’s fur, she felt a bump under her fur and discovered another similar one on the other side of Tee’s body. A quick internet search told them it might be kidney inflammation, which is always a bad sign. Early the next day, on a Sunday, Uma rushed Tee to the animal hospital near them in Halifax.
The vet confirmed that Tee indeed had enlarged kidneys. An ultrasound pointed to the possibility of kidney lymphoma, which a tissue sample confirmed a few days later. Tee’s kidneys were near failure. Just 3 days later, Uma and Shannah met with a veterinary oncologist who immediately began chemotherapy. After 25 weeks of therapy, Tee’s cancer was finally defeated. The total cost was $6,000, but thanks to the pet insurance Uma and Shannah got as soon as they moved to Halifax, they only paid $600.
Preventative care coverage
Being preventive is always better than reacting when it comes to your pet’s health (and your wallet’s too). However, only the best pet insurance in Nova Scotia will cover preventive treatments, including:
- Annual examinations
- Vaccines
- Flea treatments
- Urinalysis and fecal analysis
- Parasitic treatment
Pet insurance does not typically cover routine trips to the vet, but some insurers offer wellness programs or separate well-being pet insurance policies that cover common, recurring tests and procedures.
Watch out!
Pet insurers rarely cover pre-existing medical conditions, meaning it’s always best to get insurance when your pet is young!
Is pet insurance worth it in Nova Scotia?
The simple answer is yes, insurance for your pet is almost always a good idea. If you have a young, healthy animal who will only need routine visits to the vet, then you might be well able to pay for that by putting a little money aside from your paycheck.
However, many animals run into health problems at least once in their lifetime, and the vet bills in these cases can quickly pile up.
Pet insurance becomes even more worthwhile if you have an older animal or one that is prone to health problems. In that case, you are unlikely to be able to save enough to pay for long-term care without suffering financial stress yourself.
Not having adequate protection can mean having to pay surprisingly painful fees (that are difficult for any budget) or, in a worst-case scenario, not being able to pay for treatment for your pet at all.
Although the cost of treatments differs slightly from animal to animal, let’s have a look at some typical costs associated with healthcare for dogs, as an example:
| Veterinary services for an adult dog | Cost |
|---|---|
| Routine visit | $120 |
| Vaccines | $150 |
| Parasite prevention | $200 |
| Dental x-rays | $245 |
| Teeth cleaning | $531 |
| Tests and screening | $250 |
As you can see, the cost of routine visits and normal, preventative care is not negligible. If you visualise a scenario, maybe with an older pet, where standard care needs to happen more frequently and health can suddenly deteriorate, causing additional problems, you can see the need for more comprehensive insurance.
Meanwhile, a younger dog, from a relatively healthy breed might only need accident insurance to cover them if they are injured. Naturally, if you have a generous emergency fund in a high-interest savings account and are at ease using some of that on your pet’s health, your insurance needs will also be different than someone living on a paycheck-to-paycheck basis.
Either way, it is better to have insurance you don't use than not to have insurance and need it!
Watch out!
Pet insurance policies do not cover pre-existing conditions, so it’s best to get insured before your pet runs into health problems, ideally as soon as you get them.
Where to adopt a pet in Nova Scotia?
If you’re thinking of adopting a pet in Nova Scotia, there are plenty of animal shelters to choose from. However, one passionate group stands out in the Bluenose province: Nova Scotia’s SPCA.
There are six SPCA animal shelters spread out around the province, and all of them have a no-kill and open-admission policy, welcoming and giving second chances to thousands of animals each year. Nova Scotians tend to favour cats as companion animals, but there are plenty of other animals to adopt as well.
Good to know
In Nova Scotia, you need a pet license to own a pet. It costs $15 per animal over six months of age plus a one-time fee of $10 per pet.
What should I consider when choosing pet insurance in Nova Scotia?
Nova Scotian pet owners have several options to insure their pets so that their animals' health is protected while preventing a blow to their wallets.
Here are the major factors that will affect the cost of the best pet insurance policy for you:
- Animal: Not all animals carry the same risks, so pet insurers will cover different things for different animals. Larger animals are usually more expensive to insure than smaller animals.
- Age: In general, a younger animal will have a cheaper premium and overall insurance policy that an older animal of the same species. Also, note that an older animal is more likely to develop a health condition, and insurers do not cover pre-existing conditions.
- Breed: Insurance for some breeds is more expensive than others. For example, pet insurance for pure breeds costs significantly more than pet insurance for mixed breeds.
- Gender: Male animals are more expensive to insure than their female counterparts. Also, spayed females have the lowest premiums in cats and dogs.
- Deductible: The higher the deductible, the cheaper the premium. However, remember that your insurance will only reimburse your vet fees after you’ve paid the deductible from your own wallet. The most comprehensive policies sometimes eliminate the deductible.
- Location: Where you live with your pet will influence how much you pay. Certain regions and environments carry more outdoor risks than others.
- Add-ons: You can purchase additional coverage such as wellness plans or preventive medicine, though these will raise the cost of your premium.
Now that you have all the information you need on Nova Scotia pet insurance, you can go ahead and use the tool below to get quick quotes on the best pet insurances in the province.
Compare the best pet insurance plans on the market!
