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Pet insurance that actually pays out

Compare policies from Canadian insurers in one view. Accident, illness, and wellness coverage โ€” with transparent pricing and no small-print surprises.

Multiple carriersยท Side-by-side comparisonยท No surprises
Coverage types

What pet insurance typically covers

Accident-only

The cheapest tier. Covers unexpected injuries โ€” broken bones, torn ligaments, swallowed objects, poisoning. Great for young, healthy pets.

Accident + illness

The most common plan. Adds cancer, diabetes, allergies, skin conditions, and hereditary issues. Waiting periods apply.

Wellness add-on

Covers routine care โ€” annual checkups, vaccines, dental cleanings, flea/tick, spay/neuter. Usually added on top of an existing plan.

Unlimited policies

Some Canadian insurers offer no-annual-cap plans. Higher premium but peace of mind for chronic conditions.

Typical premiums

What Canadians pay, on average

Prices vary heavily by breed, age, location, and deductible. These are typical monthly ranges for dogs in Canada.

Accident-only

$18โ€“35

Per month for a healthy adult dog.

Accident + illness

$45โ€“85

Most popular tier. Cats run 30โ€“50% cheaper.

+ Wellness

+$20โ€“40

Add-on for routine care reimbursement.

Tips before you buy

How to pick the right plan

1

Buy young, save more

Premiums rise with age, and pre-existing conditions are excluded. Enrolling a puppy gives the widest coverage.

2

Check waiting periods

Most plans have 14โ€“30 day waits before illness coverage kicks in. Plan accordingly.

3

Understand the deductible

Annual deductibles are cheaper than per-condition. Read the fine print โ€” we'll highlight the differences.

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