🐾 Pet Insurance Finder

Best pet insurance for vet exam fee coverage in Canada

Exam fees are charged at nearly every visit, and several big-name insurers don't reimburse them. This ranking requires exam fees to be covered.

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 & Illness

Comprehensive coverage with a choice of reimbursement rate and a built-in alternative-therapy benefit.

$$ Mid-rangeAccident & illness
Reimburses
70/80/90%
Annual limit
$15,000
Deductible
Annual
Exam fees
Covered
Accident wait
2 days
Illness wait
14 days
  • ✓ Vet exam fees: Vet exam / consultation fees are reimbursed.
  • ! Dental disease and dental fractures are NOT covered (FlexCare add-on covers cleanings only)
  • ! Reimbursement model — pay the vet, then claim
  • ! Annual payout caps at $7,500 or $15,000
Full Pets Plus Us 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.

  • ✓ Vet exam fees: Vet exam / consultation fees are reimbursed.
  • ! $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.

  • ✓ Vet exam fees: Vet exam / consultation fees are reimbursed.
  • ! 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.

  • ✓ Vet exam fees: Vet exam / consultation fees are reimbursed.
  • ! $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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