Is The Personal pet insurance the best in 2024?

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Alexandre Desoutter updated on 28 June 2023

If you are a pet parent, you know vet bills can be substantial and they usually come when you are least expecting them. Pet insurance can be a real relief and guarantee your ability to pay for quality care at the veterinarian.

Did you know that the average cat owner in Canada spent nearly $2,800 in 2022 caring for their animal? For dog owners, this number was higher at $3,500. The cost of caring for an animal is also increasing every year as per a study by HelloSafe’s team.

Therefore, having pet insurance is a must in today's time. But which one do you choose? To make it easy for you, we've done a detailed review of The Personal pet insurance, pros and cons, prices, and why it may be right for you.

Our 2024 review of The Personal pet insurance

The Personal Pet Insurance Program is underwritten and distributed by Petline Insurance Company, a provider with a long history of good reputation.

Here is what HelloSafe thinks about The Personal pet insurance pros and cons:

Why The Personal could be right for you:

  • The Personal has a comprehensive online portal
  • They offer three plans to suit your pet's unique needs
  • You can insure a pet at any age

Why The Personal may not be right for you:

  • Behavioural, alternative therapies and medical device coverage are add-ons
  • Age-based deductible as your pet gets older
  • No multi-pet or loyalty discounts

Compare quotes and options before choosing pet insurance with The Personal. A little shopping around can help you to save money and find the coverage that fits your needs. So use our comparator and get quotes from the best pet insurances in Canada.

Compare the best pet insurance plans on the market!

Get a quote

What is the Personal pet insurance Coverage?

What does The Personal pet insurance cover?

The Personal offers three plans for your pet: Bronze Paw, Silver Paw, and Gold Paw.

Check out our chart below to compare their plans:

CoverBronze PawSilver PawGold Paw
Optional - up to $500$700$1,000
Additional Coverage (behavioural, Alternative, Medical Devices)
Optional - Up to $350 per category$350 pet category
Preventative Care
Comparison of The Personal pet insurance plans

What does the personal pet insurance not cover?

The Personal Pet Insurance, like other providers, excludes coverage for pre-existing conditions, which include any condition displaying symptoms or starting prior to enrollment or within waiting periods.

Additionally, The Personal Pet Insurance Program does not cover flea control, food (including prescription and therapeutic diets), spay or neuter surgery, euthanasia (unless related to an insured accident or illness), or expenses related to pregnancy and associated conditions.

How much does a policy with The Personal cost in Canada?

The price of pet insurance coverage with The Personal will vary depending on your situation. For example, the age, size or breed of your animal. Also, the type of coverage you need. Do you need a cat insurance, or a dog insurance? Therefore, it will be important to get an individual quote customized for your unique needs.

On an average, the monthly premium will cost you somewhere between $47 and $180-200 based on the plan you opt for.

Before settling on The Personal pet insurance, make sure to compare all the best offers currently on the market using our frre online tool below:

Compare the best pet insurance plans on the market!

Get a quote

How does The Personal pet insurance work?

How do I purchase a plan with The Personal?

If you are interested in obtaining pet insurance through The Personal, you can purchase online. All you need to do is create an online account and then follow the steps as mentioned.

You could also call them at 1-855-343-9385 and a customer service agent will help you through the process.

How much pet insurance do I need?

How much pet insurance you need will depend on many different factor. These include your pet's:

  • Age
  • Sex
  • Breed
  • Existing health conditions
  • Current health

How do I file a claim with The Personal pet insurance?

If you need to file a claim, you will need to complete a claim form which you can find on the online by logging into the customer's portal.

Once the claim form is complete, you will need to send it in along with an itemized copy of your vet bill:

Petline Insurance Company
301-600 Empress Street
Winnipeg (Manitoba) R3G 0R5

How do I cancel my policy?

If you would like to cancel your pet insurance policy, you can reach out to the customer service team at 1-888-476-8737 or write an email to from your registered account.

Make sure to check with the team on cancelation upon renewal of your policy because some providers may charge additional fee for late cancelation.

However, canceling your policy might put your pet at risk of not having coverage and result in expensive vet fees should something arise. Besides, the cost of owning a pet, even if it's healthy, is generally quite high without pet insurance.

Can I transfer my policy?

You might find yourself in a situation where you would like to change your pet insurance provider, for example, to get a better deal. When doing so, there are some factors to take into consideration:

  • Difference in coverage - a medical condition may be considered pre-existing to the new insurer at the time of enrolment, and, therefore, not being covered.
  • There may be an unavoidable waiting period before your new policy begins.
  • Immediate savings of a new policy may ultimately cost more in the long run - the cost of on-going treatment.

How can I contact The Personal pet insurance?

This is the best way to get in touch with The Personal. It's a toll-free number and it will put you in touch with an authorised agent.

  • Inquiries 1‑888‑476‑8737 Monday through Friday 8:00am to 8:00pm

It is important to choose the right policy that meets the needs of both your pet and yourself. This is to ensure that if a problem arises, it will be covered by your insurance. Take time to shop around and compare insurers by using our comparison tool and get Canada's best pet insurance quotes.

Compare the best pet insurance plans on the market!

Get a quote
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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.