🐾 Pet Insurance Finder

Best pet insurance for routine & wellness care in Canada

These plans pair accident & illness coverage with an option for exams, vaccines and dental cleanings.

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
  • ! 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 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.

  • ! 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.

  • ! 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.

  • ! 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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