🐾 Pet Insurance Finder

Best pet insurance for senior pets in Canada

Many insurers cap the age at which a new policy can start. This ranking assumes an 8–10 year-old dog and accident & illness coverage, and only includes plans that will accept it.

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
  • ! 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 · 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
  • ! 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 →

#3 · 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.

  • ! $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 →

#4 · 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.

  • ! 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 →

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