Best Pet Insurance Canada - April 2025
Cover anything from unexpected emergencies to routine check ups with the best pet insurance Canada. Get a personalized pet health insurance quote today and save thousands on costly vet bills.
🏅 Trusted by Forbes & Rover
🏅 Trusted by Forbes & Rover
🔥 Cover Up to 90% of Unexpected Vet Bills
- Lock in your price for a whole year
- Covers Sick Visits & Exam Fees
- Diagnostics, Treatments & Dental Coverage
🐶 Get up to 90% Cash Back on Vet Bills
- Plans for Cats & Dogs as Low as $9-$15/mo*
- Accidents, Illness & Preventive Care Plans
🏅 Trusted by Forbes & Rover
🏅 Trusted by Forbes & Rover
🔥 Cover Up to 90% of Unexpected Vet Bills
- Lock in your price for a whole year
- Covers Sick Visits & Exam Fees
- Diagnostics, Treatments & Dental Coverage
What is the best pet insurance for dogs and cats?
The best pet insurance offers comprehensive coverage for accidents, illnesses, and routine care, with flexible plans to fit any budget. Look for a top rated pet insurance provider with a high reimbursement rate, low deductibles, and no caps on payouts. Quick claim processing and excellent customer service are also key factors. Ensure the policy covers breed-specific conditions and provides options for wellness coverage to keep your pet healthy.
How does pet insurance work?
Medical insurance for dogs and cats helps cover your furry friend's medical expenses. You pay a monthly premium, and when your pet needs care, you can visit any licensed vet and pay the bill. Then, you submit a claim to your insurance provider who reimburses you for a portion of the costs based on your policy's coverage and deductible.
Is pet insurance worth it?
Pet health insurance can be worth it for many pet owners, as it helps cover unexpected veterinary costs. By paying a monthly premium, you can save significantly on expensive treatments. For instance, pet surgeries can cost over $5,000, while cancer treatments can exceed $10,000. With medical insurance for pets, you could be reimbursed for up to 90% of these costs. Pet insurance ensures your pet gets the necessary treatments and the best possible care, without having to make tough decisions based on cost.
Fetch Pet Insurance Canada
Fetch Pet Insurance Coverage Options:
Fetch Pet Insurance provides accident and illness coverage for dogs and cats, with the option to add wellness coverage for routine and preventive care. Policyholders can customize their plans by selecting annual coverage limits, reimbursement rates, and deductibles to fit their budget and pet’s needs. Reimbursement rates range from 70% to 90%, and annual coverage limits include options such as $5,000, $10,000, and $15,000.
- Accident & Illness Plan: Fetch’s standard plan covers emergency vet visits, hospital stays, surgeries, prescription medications, diagnostic tests, specialist consultations, alternative therapies (e.g., acupuncture, chiropractic care), behavioral therapy, and comprehensive dental care for every adult tooth.
- Preventive Care Add-Ons: Optional wellness coverage can be added to reimburse for routine care, including vaccinations, annual exams, dental cleanings, and flea/heartworm prevention.
Additional Benefits:
Fetch covers alternative therapies such as acupuncture and chiropractic care. Behavioral therapy and specialist consultations are also included in its standard plan.
Exclusions and Limitations:
Fetch does not cover pre-existing conditions, elective procedures, or certain breed-specific conditions. Waiting periods include up to 15 days for accidents and illnesses.
Claims Process:
Claims can be filed online or via the Fetch app by submitting a photo of your vet invoice and medical records. Once approved, Fetch reimburses up to 90% of covered vet bills through direct deposit or check.
Spot Pet Insurance Canada
Coverage Options:
Spot Pet Insurance provides accident-only, illness, and wellness plans with flexible coverage options. Pet owners can customize coverage levels, adjust deductibles, or cancel anytime without penalty. Premiums vary based on pet age, breed, and location, with reimbursement rates ranging from 70% to 90%. Discounts are available for multiple pets.
- Accident-Only Plan: Covers injuries resulting from accidents, such as broken bones, bite wounds, and swallowed objects. This plan does not cover illnesses.
- Accident & Illness Plan: Includes everything in the Accident-Only Plan, plus coverage for illnesses like cancer, infections, and chronic conditions. Policyholders can choose annual coverage limits ranging from $2,500 to unlimited, with reimbursement options of 70%, 80%, or 90%, and deductibles between $100 and $1,000.
- Preventive Care Add-Ons: Optional add-ons that reimburse for routine care such as vaccinations, annual exams, dental cleanings, and flea/heartworm prevention. Policyholders can select from different levels of coverage to suit their needs.
Additional Benefits:
Spot includes coverage for alternative therapies, behavioral treatments, and microchipping. Access to a 24/7 vet helpline is also provided for added peace of mind.
Exclusions and Limitations:
Excludes pre-existing conditions, elective procedures, and certain breed-specific issues. Waiting periods include 14 days for illnesses and two days for accidents.
Claims Process:
Claims can be filed online or via the Spot app, with quick reimbursement through direct deposit or check.