🐾 Pet Insurance Finder

Best pet insurance for accident-only coverage in Canada

Accident-only plans cover injuries like broken bones, bites and swallowed objects — not illness — for a much lower price.

Ranked with the same filters and weighted scoring as our quiz, using plan data reviewed 2026-05-19. Your pet's breed, age and location change the answer — take the quiz for a personal match.

#1 · Pets Plus Us

Accident

Accident-only coverage for injuries — a low-cost safety net that excludes illness.

$ BudgetAccident only
Reimburses
80%
Annual limit
$5,000
Deductible
Annual
Exam fees
Covered
Accident wait
2 days
Illness wait
none
  • ✓ Monthly cost: Priced budget-friendly, matching your budget priority.
  • ! Illness, cancer and chronic conditions are NOT covered
  • ! Reimbursement model — you pay the vet, then claim back
  • ! No dental coverage
Full Pets Plus Us details →

#2 · Spot

Accident Plan (Level 1)

Accident-only coverage with a generous reported $20,000 annual limit.

$ BudgetAccident only
Reimburses
80%
Annual limit
$20,000
Deductible
Annual
Exam fees
Covered
Accident wait
1 day
Illness wait
none
  • ✓ Monthly cost: Priced budget-friendly, matching your budget priority.
  • ! Illness and chronic conditions are NOT covered
  • ! Not available in Quebec
  • ! New policies: dogs under 10, cats under 12 only
Full Spot details →

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