🐾 Pet Insurance Finder

Best pet insurance for unlimited payouts in Canada

If a long cancer treatment or repeat surgery is what worries you, the annual limit matters most. This ranking favours plans with no annual cap.

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
  • ✓ Annual coverage limit: Limit meets or exceeds what you wanted (Unlimited — no annual, per-condition or lifetime payout cap.).
  • ! 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 4

Top tier — unlimited per-condition coverage plus built-in wellness.

$$$ PremiumAccident & illness
Reimburses
80%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
2 days
Illness wait
14 days

Sample monthly cost

$242.59 — 1-year-old LabradorThird-party estimate (HelloSafe); province not specified.

$148.44 — 1-year-old catThird-party estimate (HelloSafe); province not specified.

  • ✓ Annual coverage limit: Limit meets or exceeds what you wanted (Unlimited per condition per year.).
  • ! Premium pricing — the most expensive Petsecure tier
  • ! 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 · OVMA Pet Insurance

Unlimited+

Top OVMA tier — unlimited per-condition coverage plus preventive care.

$$$ PremiumAccident & illness
Reimburses
80%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
2 days
Illness wait
14 days

Sample monthly cost

~$232 — 1–7 year-old LabradorThird-party estimate (HelloSafe), top of the OVMA range; province not specified.

  • ✓ Annual coverage limit: Limit meets or exceeds what you wanted (Unlimited per condition per year.).
  • ! Premium pricing — the most expensive OVMA tier
  • ! 80% reimbursement (no 90% option)
  • ! Reimbursement rate can be reduced (toward 50%) based on claims history
Full OVMA Pet Insurance details →

#4 · Fetch

Comprehensive Plan

Comprehensive accident & illness plan with flexible limits and an optional wellness add-on.

$$ Mid-rangeAccident & illness
Reimburses
70/80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
none
Illness wait
15 days

Sample monthly cost

$57.95 — 1-year-old LabradorHelloSafe sample quote; plan config & province not specified.

$34.36 — 1-year-old catHelloSafe sample quote; plan config & province not specified.

  • ✓ Annual coverage limit: Limit meets or exceeds what you wanted (Choose from several annual limits up to unlimited (reported around $5,000–$15,000 or unlimited — confirm on a quote).).
  • ! Not available in Quebec or New Brunswick
  • ! Reimbursement model — pay the vet, then claim
  • ! 180-day orthopedic exclusion — waivable for knee conditions with a clear vet exam
Full Fetch details →

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