For Canadian pet owners, pet insurance may be a wise investment as it offers both financial security and peace of mind regarding the well-being of their cherished animal friends. The expense of veterinary treatment is going up as the relationship between owners and their pets gets stronger. Thankfully, a number of respectable pet insurance providers in Canada provide a selection of coverage alternatives to cater to the various requirements of pet owners.
- 1. Pet Insurance
- 2. Best Pet Insurance in Canada
- 2. Trupanion – Canada
- 3. Fetch by Dodo – Canada
- 4. Petsecure – Canada
- 5. Pet Plus US – Canada
- 6. Spot – Canada
- 7. ASPCA – Canada
- 8. Desjardins – Canada
- 9. Furkin – Canada
- 10. CAA – Canada
- 11 OMVA – Canada
- 12. FAQs – Pet Insurance Canada
- 13. Conclusion – Pet Insurance Canada
The Canadian pet insurance market offers a range of options, depending on your needs: wellness benefits, full coverage for diseases and accidents, or both. Knowing what the major pet insurance companies have to offer at first will help you make an informed choice about protecting your pet’s welfare in an ever-changing market.
1. Pet Insurance
A financial product called pet insurance is intended to assist in defraying the expense of veterinarian treatment for animals. In exchange for a regular premium payment, pet owners receive coverage for a range of medical costs associated with sickness, accidents, and occasionally even basic care.
Pet owners may ensure that their animals receive the essential medical care without having to bear the entire financial burden of the treatment, since the coverage usually includes reimbursement for qualifying veterinarian expenditures. By assisting in the management of unforeseen medical expenses and empowering pet owners to make healthcare decisions based on their pet’s needs rather than financial restraints, pet insurance seeks to provide peace of mind.
1.1 Need for Pet Insurance
As the relationship between pet owners and their furry friends grows, so does the necessity for pet insurance in Canada. Pets are treasured members of the family that provide endless happiness and companionship, thus their health and wellbeing are very important. But the expense of veterinary care has gone up, and pet medical bills might come as a surprise.
This worry is addressed by pet insurance in Canada, which offers financial security so that pet owners may afford essential medical treatment without jeopardizing the wellbeing of their cherished companions. Pet insurance gives Canadians the peace of mind to make healthcare decisions based on the best interests of their furry companions, ensuring a better and happier life for both dogs and their owners. It provides assurance that pets may receive fast and thorough medical service.
2. Best Pet Insurance in Canada
Pet insurance is crucial in Canada, as pet ownership continues to grow. It protects owners from financial loss in case of unexpected illness or injury. The average annual cost for a dog is $2,900, while cats can cost up to $1,950. Canadian pet owners have various insurance options.
2.1 Top Pet Insurance Companies in Canada According to Our Rating
In Canada, there are several pet insurance providers. Even though each insurer has a different rate, they all provide comparable pet insurance.
- Trupanion
- Fetch
- Petsecure
- Pet Plus Us
- Spot
- ASPCA
- Desjardins
- Furkin
- CAA
- OMVA
2. Trupanion – Canada
2.1 Review – Trupanion Canada
Trupanion’s all-inclusive accident-and-illness coverage eases the anxiety associated with having enough money for unforeseen veterinary expenses. It includes prescription drugs, surgery, hospital stays, dietary supplements, and even prosthesis.
Trupanion provides a large range of deductible alternatives, ranging from $0 to $1,000, and pays 90% of your unforeseen veterinarian expenditures. Owners of special needs pets may add up to two riders to increase the coverage of their plan.
2.2 Company Overview – Trupanion Canada
Based in Seattle, Washington, Trupanion is a pet insurance company that provides administration and coverage for dog and cat insurance in the US, Canada, Puerto Rico, and Australia. Trupanion, which was established in 1998, provides extensive insurance coverage that address congenital and genetic diseases. In addition, the firm offers vet direct payments, adjustable deductibles, and limitless yearly limits. The American Pet Insurance Company underwrites Trupanion on its own (APIC).
2.3 Products & Services – Trupanion Canada
Pet insurance services offered by the company are,
- Hereditary conditions
- Unidentified issues
- Unexpected injuries
- Diagnostic tests
- Breed-specific conditions
- Advanced dentistry
- Allergies
- Hospital stays
- Medications
- Veterinary supplements
- Herbal therapy
- Prescription food
2.4 Contact Details – Trupanion Canada
You can contact company through,
| Phone Number | 888.733.2685 |
| Address | 6100 4th Avenue South, Suite 400, Seattle, Washington, 98108 |
| [email protected] | |
| Official Website | https://www.trupanion.com |
3. Fetch by Dodo – Canada
3.1 Review – Fetch by Dodo Canada
Pet insurance policies may be tailored by Fetch By The Dodo to meet your requirements and financial constraints.
You are able to select your deductible, reimbursement level, and maximum yearly coverage.
They offer complete dental coverage, which includes guarding every adult tooth against gum disease.
As your pet ages, there are no age-based deductibles.
3.2 Company Overview – Fetch by Dodo Canada
Fetch is a pet insurance company that assists pet owners in paying for veterinarian care in both the US and Canada.
Fetch, founded in 2003 by Chris and Natasha Ashton, was awarded the exclusive license for the Petplan brand in the US. It began selling policies online in 2006 and formed partnerships with animal shelters, veterinarians, and health insurance providers. In 2019, Petplan hired Paul Guyardo as CEO and was acquired by Warburg Pincus. In 2020, The Dodo took a minority stake in Fetch.
| Industry | Pet insurance |
| Founded | 11 September 2003; 20 years ago |
| Founders | Chris and Natasha Ashton |
| Headquarters | 101 Greenwich St., New York City, New York USA |
3.3 Products & Services – Fetch by Dodo Canada
The company’s regular plan covers dental care for each and every tooth, behavioral therapies, and problems specific to a particular breed. Additionally, it covers the cost of any examinations necessary for diseases and injuries, including diagnostic tests and ultrasounds. The yearly coverage cap can be changed to $5,000, $15,000, or indefinitely. There are three possible annual deductible amounts: $250, $300, or $500. The reimbursement rates vary from 70% to 90%.
Both Quebec and New Brunswick are not included.
3.4 Contact Details – Fetch by Dodo Canada
You can contact company through,
| Phone Number | 1.866. 984.0104 |
| Address | 530 Kenaston Blvd, Winnipeg, MB R3N 1Z4, Canada |
| [email protected] | |
| Official Website | https://www.fetchpet.com/ |
4. Petsecure – Canada
4.1 Review – Petsecure Canada
Founded in 1989, Petsecure is fully owned and run by Canadians, with Petline Insurance Company providing underwriting. With 150 staff members, this business bills itself as Canada’s top pet insurance provider and is able to provide services in both of the country’s official languages. Petsecure Canada offers insurance that you can purchase over the phone or online.
4.2 Company Overview – Petsecure Canada
Pet health insurance is provided by Petsecure, an insurance provider.
| Industries | Health Insurance Insurance InsurTech Marketplace Pet |
| Founded Date | 1989 |
4.3 Products & Services – Petsecure Canada
The normal plan offered by the organization includes coverage for behavioral therapy, issues unique to a particular breed, and dental care for every tooth. It also pays for following problems also.
- any testing,
- ultrasounds,
- Diagnose illnesses and treat injuries.
4.4 Contact Details – Petsecure Canada
You can contact company through,
| Phone Number | +1 800 268 1169 |
| Address | 600 Empress St E #301, Winnipeg, MB R3G 0R5, Canada |
| [email protected] | |
| Official Website | https://www.petsecure.com |
5. Pet Plus US – Canada
5.1 Review – Pet Plus US (Canada)
- There will be no premium increase based on claim history, but yearly deductibles are age-based and subject to change.
- Two plan options are available: Illness and Accident or Accident Only
- Coverage limits ranging from $5,000 to $15,000, based upon your plan
- Between 70% and 90% of your veterinary expenditures will be reimbursed.
- Its stand-alone plan, the Optional Wellness Care package, offers routine visits for an annual charge.
5.2 Company Overview – Pet Plus US (Canada)
A more recent addition to the pet insurance market, Pets Plus Us provides a range of coverage choices for both dogs and cats. Pets Plus Us, a division of Pethealth Inc., has its headquarters located in Oakville, Ontario, and offers insurance coverage in all Canadian provinces and territories.
5.3 Products & Services – Pet Plus US (Canada)
Pet insurance services offered by the company are,
- Accident & Illness
- Accident
- Wellness
- Blue Ribbon Benefits
5.4 Contact Details – Pet Plus US (Canada)
You can contact company through,
| Phone Number | 1-800-364-8422 |
| Address | Suite #400, 710 Dorval Dr Oakville, ON L6K 3V7 |
| [email protected] | |
| Official Website | https://www.petsplusus.com/ |
6. Spot – Canada
6.1 Review – Spot Canada
The insurance company offers affordable accident-only plans with seven annual coverage limits, including exam fees and microchipping, but does not offer weekend customer service or cover prescription pet food.
6.2 Company Overview – Spot Canada
Spot is a group of devoted pet owners. Our mission is to empower, inform, and involve pet owners about the advantages of pet insurance so they can afford the covered medical expenses, enabling their pets to enjoy longer, healthier lives.
| Industries | Insurance Pet Service Industry |
| Headquarters Regions | Greater Miami Area, East Coast, Southern US |
| Founded Date | 2019 |
6.3 Products & Services – Spot Canada
For pet parents in Canada, Spot offers four different pet insurance options. The Level 1 plan is only offered over the phone and provides accident-only coverage for injuries, ingested objects, and hazardous ingestions.
Levels 2 through 4 provide coverage for illnesses and accidents, encompassing ailments like diabetes, cancer, hip dysplasia, heart disease, and behavioral problems. There is just one distinction between the accident and illness plans: the yearly limit, which might be $5,000, $10,000, or infinite.
6.4 Contact Details – Spot Canada
You can contact company through,
| Phone Number | 877-862-7502 |
| Address | 990 Biscayne Blvd Suite 603, Miami, FL 33132 |
| [email protected] | |
| Official Website | https://spotpetins.com/ |
7. ASPCA – Canada
7.2 Review – ASPCA Canada
We featured American Society for the Prevention of Cruelty to Animals (ASPCA Pet Health Insurance ) Pet Health Insurance for its impressive reputation, long-standing industry experience and comprehensive coverage. Born out of a strategic partnership between ASPCA Pet Health Insurance and Crum & Forster Pet Insurance Group in 2006, ASPCA’s pet health insurance is one of the oldest in the industry.
7.3 Company Overview – ASPCA Canada
ASPCA Pet Health Insurance offers pet health insurance services.
| Details | Industries Financial Services Health Care Health Insurance Insurance Pet |
| Headquarters Regions | Great Lakes, Midwestern US |
| Founded Date | Jan 1, 1997 |
| Founders | Henry Bergh |
7.4 Products & Services – ASPCA Canada
ASPCA Pet Health Insurance offers two distinct plans, as well as an add-on for coverage of preventative care. First, let’s discuss their two primary plans: Accident-Only and Complete Coverage.
The Complete Coverage Plan is ASPCA Pet Health Insurance’s full-service offering and covers:
- Accidents
- Injuries
- Illnesses
- Hereditary & congenital conditions
- Behavioral issues
- Chronic conditions
The Accident-Only Plan functions mainly as a safety net against veterinary expenses related to mishaps. It includes
Injuries and emergencies related to accidents
7.5 Contact Details – ASPCA Canada
You can contact company through,
| Phone Number | 212-876-7700 |
| Address | 424 E 92nd St, New York, NY 10128 |
| [email protected] | |
| Official Website | https://www.aspca.org |
8. Desjardins – Canada
8.2 Review – Desjardins Canada
The well-known financial institution Desjardins offers coverage for illnesses, accidents, and preventive care for pets. Policy details may differ, so it’s important to review coverage options, limits, deductibles, and exclusions. Desjardins may offer direct billing with veterinarians for a streamlined claims process. Desjardins offers pet insurance in Canada to help pet owners manage the costs of veterinary care.
8.3 Company Overview – Desjardins Canada
The Desjardins Group, founded in 1900 by Alphonse Desjardins, is the largest federation of credit unions in North America. It consists of 293 local credit unions serving over seven million members and clients. The group also operates over twenty subsidiaries in insurance, real estate, venture capital, and brokerage. Desjardins is active in over 30 developing countries through technical assistance programs and investments.
| Industry | Financial services |
| Founded | 6 December 1900 in Lévis, Quebec |
| Headquarters | Lévis, Quebec, Canada |
| Products | Checking Accounts Insurance Stock brokerage Investment Bank Asset-based lending Consumer finance |
8.4 Products & Services – Desjardins Canada
Desjardins Pet Insurance provides alternatives for extensive coverage at various pricing points.
Comprehensive coverage, including dental care, preventative care, alternative treatment, and behavioral therapy, is offered under the Gold Paw or unlimited plan.
The Silver Paw plan provides dental treatment up to a maximum annual coverage of $8,000; coverage for behavioral therapy, alternative therapy, and medical equipment is optional.
The base Bronze Paw plan offers optional dental care with a maximum yearly coverage of $4,000.
Comprehensive coverage is given precedence above being the least expensive option by Desjardins Pet Insurance.
Desjardins offers reliable insurance for your pet’s medical requirements while also ensuring their general well-being.
8.5 Contact Details – Desjardins Canada
You can contact company through,
| Phone Number | 1-855-343-9393. |
| Address | PO Box 7065 Station A Mississauga, ON L5A 4K7 Canada |
| [email protected] | |
| Official Website | https://www.desjardins.com |
9. Furkin – Canada
9.2 Review – Furkin Canada
Furkin, a relatively new player in the pet insurance market, debuted in Canada in the middle of 2021. Healthy benefits and adaptable lifetime coverage are their main priorities. They provide telehealth around-the-clock, so pet parents in need of advice from veterinary care nurses may get it whenever they need it. The cost of their coverage depends on the region, breed, size, and age of your dog.
9.3 Company Overview – Furkin Canada
Furkin is a dog and cat insurance company.
| Industries | Financial Services Insurance Pet |
| Founded Date | Aug 11, 2021 |
9.4 Products & Services – Furkin Canada
Having coverage of up to $20,000 per year, you may rest easy knowing that your pet’s medical costs are covered. Furkin ensures flexibility and convenience by allowing you to utilize any registered veterinarian, whether your pet needs treatment in the US or Canada.
Furkin offers customizable solutions to meet your requirements since they recognize that every pet and pet owner is different. Furkin offers reasonably priced pet insurance solutions, with monthly rates as low as $15.50 for cats and $17.28 for dogs. You may further personalize your coverage by selecting deductibles as low as $100 per year. You can strike the ideal balance between coverage and affordability for your pet thanks to this flexibility.
9.5 Contact Details – Furkin Canada
You can contact company through,
| Phone Number | 1-888-453-1088 |
| Address | 1277 Lynn Valley Rd #309, North Vancouver, BC V7J 0A2, Canada |
| [email protected] | |
| Official Website | https://www.furkin.com/ |
10. CAA – Canada
10.2 Review – CAA Canada
Every CAA pet insurance plan has a unique mix of benefits and restrictions. The plan that corresponds with the degree of coverage you want is yours to select.
Benefits including coverage for medical gadgets, alternative therapies, lost pet advertising, holiday cancelation, boarding kennel expenses, and more are included in the policies. You can make sure that your pet’s requirements are met by choosing the appropriate plan.
10.3 Company Overview – CAA Canada
Eight regional, not-for-profit car groups in Canada make up the Canadian car Association (CAA; French: Association canadienne des automobilistes), which was established in 1913. Within their respective areas, the component associations—also referred to as “clubs”—are in charge of offering member discount programs, insurance services, roadside assistance, and car touring and leisure trips.
Coordination of club interactions, oversight of collaborative projects, and federal government lobbying are all handled by the CAA National Office located in Ottawa. According to the Gustavson Brand Trust Index, CAA is the most trusted brand in Canada in 2020 and 2021.
10.4 Products & Services – CAA Canada
CAA Pet Insurance, backed by the Canadian Automobile Association, offers pet insurance plans for Ontario, the Atlantic provinces, and British Columbia. With an A-plus rating on the Better Business Bureau, CAA provides three tiers of coverage: Compact Plan, Intermediate Plan, and Luxury Plan. The Compact Plan provides affordable coverage for accidents, while the Intermediate Plan covers both accidents and illnesses. The Luxury Plan offers comprehensive coverage, including vet fees, dental coverage, and additional benefits.
10.5 Contact Details – CAA Canada
You can contact company through,
| Phone Number | 1-833-323-2456 |
| Address | P.O. Box 8350 STN T CSC Ottawa, Ontario, K1G 3T2 |
| [email protected] | |
| Official Website | https://caaneo.ca/ |
11 OMVA – Canada
11.2 Review – OMVA Canada
OVMA pet insurance, designed by Ontario veterinarians, offers three plans: Comprehensive, Extended, and Unlimited, covering accidents, illnesses, dental care, and vet exam fees. However, it lacks wellness coverage and vet direct pay, so comparison is crucial.
11.3 Company Overview – OMVA Canada
The leading veterinary association in Canada is the Ontario Veterinary Medical Association (OVMA).
The Ontario Veterinary Medical Association (OVMA) was formed in 1874 by 27 Ontario veterinary surgeons. Its objectives include mutual improvement and advancement of the veterinary profession. OVMA represents over 4,400 Ontario veterinarians in various fields, including small and large animal practice, government, academia, industry, and public service. Its mandate includes economic research, continuing education, public awareness, government relations, and member services.
11.4 Products & Services – OMVA Canada
OVMA offers three plans,
- Comprehensive
- Extended
- Unlimited
Providing varying levels of coverage for accidents, illnesses, and dental care. They also cover vet exam fees.
11.4 Contact Details – OMVA Canada
You can contact company through,
| Phone Number | 1.800.670.1702 |
| Address | Ontario Veterinary Medical Association 205-420 Bronte St. S Milton, ON L9T 0H9 |
| [email protected] | |
| Official Website | https://www.ovma.org/ |
12. FAQs – Pet Insurance Canada
How do premiums and deductibles work in pet insurance?
In order to keep their coverage, pet owners must pay recurring payments. The amount the policyholder must pay as a deductible before the insurance coverage begins. It’s critical to comprehend these expenses and how they impact the policy’s overall affordability.
Do pet insurance policies have age restrictions for coverage?
Enrolling a pet may be restricted by age with many pet insurance companies. As pets become older, it’s a good idea to examine the exact age restrictions and any age-related modifications in coverage.
Are there discounts available for multiple pets or specific breeds?
Certain breeds or numerous pet insurance policies may qualify for savings from some pet insurance providers. When requesting an estimate, it is advisable to ask about any applicable discounts.
13. Conclusion – Pet Insurance Canada
In conclusion, pet owners in Canada who want financial security and peace of mind in the face of escalating veterinary care expenses can greatly benefit from pet insurance. Pets are beloved parts of our families who should have access to quality medical care, and pet insurance offers a useful way to cover unforeseen costs.
These insurance options, which cover diseases, accidents, and routine care, help dogs and their owners live healthier and happier lives by enabling timely and essential medical care without having to worry about prohibitive expenses. Selecting a customized pet insurance plan is a proactive measure to guarantee our cherished friends’ safety in the Great White North.
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