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Best pet insurance for dental coverage in Canada

Many plans cover only teeth broken in an accident. This ranking favours plans that also cover dental disease like gum disease and infected teeth.

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 · Trupanion

Comprehensive Policy

One comprehensive plan, no tiers. Pays 90% of your actual vet invoice with no payout cap.

$$$ PremiumAccident & illnessDirect vet billing
Reimburses
90%
Annual limit
Unlimited
Deductible
Per condition
Exam fees
Not covered
Accident wait
5 days
Illness wait
30 days
  • ✓ Dental coverage: Covers extractions and reconstruction for teeth injured by an accident, and extractions for dental disease if recommended dental care was followed and no prior symptoms were noted. Routine cleanings are not covered.
  • ! Vet exam & consultation fees are NOT reimbursed — they come off every claim
  • ! Only one reimbursement rate (90%) and one plan — no cheaper tier
  • ! 30-day illness waiting period
Full Trupanion details →

#2 · Petsecure

Secure 1

Entry accident & illness plan with a modest $1,000-per-condition cap.

$ BudgetAccident & illness
Reimburses
80%
Annual limit
$1,000
Deductible
Annual
Exam fees
Covered
Accident wait
2 days
Illness wait
14 days

Sample monthly cost

$62.95 — 1-year-old LabradorThird-party estimate (HelloSafe); province not specified.

$38.99 — 1-year-old catThird-party estimate (HelloSafe); province not specified.

  • ✓ Dental coverage: Routine and illness dental included, up to $200/year; 6-month dental waiting period.
  • ! $1,000 per-condition annual limit is low for a major surgery
  • ! 80% reimbursement (no 90% option); can be reduced toward 50% on a heavy claims history
  • ! Reimbursement model — pay the vet, then claim
Full Petsecure details →

#3 · Sonnet

Accident & Illness

A single fully-online accident & illness plan from a major Canadian insurer.

$$ Mid-rangeAccident & illness
Reimburses
80%
Annual limit
$2,500
Deductible
Annual
Exam fees
Covered
Accident wait
2 days
Illness wait
14 days

Sample monthly cost

$96.25 — 2-year-old medium dog ($100 deductible)Third-party estimate (HelloSafe); province not specified.

  • ✓ Dental coverage: Dental covered up to $300/year; 6-month dental waiting period.
  • ! Only sold in BC, AB, ON, QC, NB, NS and PE
  • ! $2,500 per-condition annual limit
  • ! 80% reimbursement (no 90% option); can be reduced toward 50% based on claims history
Full Sonnet details →

#4 · OVMA Pet Insurance

Comprehensive

Entry OVMA accident & illness plan with $2,500 per-condition coverage.

$$ Mid-rangeAccident & illness
Reimburses
80%
Annual limit
$2,500
Deductible
Annual
Exam fees
Covered
Accident wait
2 days
Illness wait
14 days

Sample monthly cost

~$81 — 1–7 year-old LabradorThird-party estimate (HelloSafe), low end of the OVMA range; province not specified.

  • ✓ Dental coverage: Dental covered up to $300/year; 6-month dental waiting period.
  • ! $2,500 per-condition annual limit
  • ! 80% reimbursement (no 90% option)
  • ! Reimbursement rate can be reduced (toward 50%) based on claims history
Full OVMA Pet Insurance details →

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