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Last updated April 2025

2025’s Best Pet Insurance Plans in Canada

We’ve handpicked the best policies from top insurers, saving you time and ensuring you get the lowest prices—guaranteed.

Plus, when you buy pet insurance through us we donate $15 to the following charities—giving a helping paw to pets and animals in need!

Hero Cat And Dog
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$85.89/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Fetch has the best all-around pet insurance policy at the most affordable rates and makes it easy to use any licensed vet in Canada or the U.S.
  • Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit
  • Protecting 400K+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot
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1

17,159 people ranked Fetch as 4.8 on

Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$224.92/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
Unlimited
  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
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1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$110.48/mo
REIMBURSEMENT AMOUNT
80%
ANNUAL BENEFIT
$20,000
  • Like most pet insurance companies, Furkin offers multi-pet discounts and has customizable deductibles
  • Please note: Furkin only offers a 80% reimbursement amount
  • Founded in Canada in 2021 and Underwritten by Accelerant Insurance Company
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1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$100.44/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$7,500
  • Pets Plus Us covers emergency veterinary visits, including diagnostics, treatments, and hospitalization
  • Their policies generally do not have lifetime limits
  • Founded in 2013 Underwritten by Northbridge General Insurance Corporation
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1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$123.11/mo
REIMBURSEMENT AMOUNT
80%
ANNUAL BENEFIT
$5,000
  • Petsecure includes dental care as part of its standard policies
  • They provides a discount when you insure more than one pet under the same policy
  • Petsecure pet insurance was founded in 1989 as the flagship brand of underwriter Petline Insurance Company
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1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$85.89/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Fetch has the best all-around pet insurance policy at the most affordable rates and makes it easy to use any licensed vet in Canada or the U.S.
  • Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit
  • Protecting 400K+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot
See Plans
Best Overall

Ranking Methodology

We ranked the best Canadian pet insurance policies based on a variety of important factors including the following:

  • National average monthly price for a 2-year-old Labrador Retriever with a $500 deductible and this is how we calculate the “average plan cost” shown above
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews
  • Claim satisfaction
Back up to Plans
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