Canadian pet insurance companies

10 insurers, with plan facts checked against their own policy documents (last reviewed 2026-05-19). We earn no commission from any of them.

• Trupanion

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

  Up to 90% back · limit unlimited · 1 plan

• Pets Plus Us

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

  Up to 90% back · limit $15,000 · 2 plans

• Petsecure

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

  Up to 80% back · limit $1,000 · 4 plans

• Sonnet

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

  Up to 80% back · limit $2,500 · 1 plan

• OVMA Pet Insurance

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

  Up to 80% back · limit $2,500 · 3 plans

• Furkin

  One simple comprehensive plan with a high $20,000 annual limit; you customize only the deductible.

  Up to 80% back · limit $20,000 · 1 plan

• PHI Direct

  Budget accident & new-illness plan with a $5,000 annual limit.

  Up to 80% back · limit $5,000 · 2 plans

• Fetch

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

  Up to 90% back · limit unlimited · 1 plan

• Desjardins

  Entry Desjardins tier — basic accident & illness coverage.

  Up to 80% back · limit $2,000 · 3 plans

• Spot

  Accident & illness coverage (Spot Levels 2–4) with age-based reimbursement up to 90%.

  Up to 90% back · limit $10,000 · 2 plans

President's Choice (PC) Pet Insurance is intentionally excluded because its current terms could not be reliably verified following the announced acquisition of PC Financial.