Best Pet Insurance for Cats in Canada (2026)
Cats hide illness well, so problems like kidney disease, hyperthyroidism, and urinary blockages often surface as expensive emergencies. We ranked Canada's top providers for cat owners by coverage, reimbursement, limits, and customer ratings.
Trupanion offers 90% reimbursement, unlimited annual coverage available, direct vet pay. Best for pet owners who want comprehensive coverage and don't want to pay vet bills upfront.
90% reimbursement Unlimited limit From $45/moSpot offers 90% reimbursement, unlimited annual coverage available. Best for pet owners whose pets have had curable conditions in the past, or who want behavioral/alternative therapy coverage.
80% reimbursement Unlimited limit From $20/moPetsecure offers 80% reimbursement, unlimited annual coverage available, exam fees covered. Best for pet owners who want predictable pricing that won't increase as their pet ages.
80% reimbursement Unlimited limit From $25/moPC offers 80% reimbursement, unlimited annual coverage available, exam fees covered. Best for budget-conscious pet owners who shop at loblaws/pc stores and want to earn points.
80% reimbursement Unlimited limit From $11/moPHI Direct offers 80% reimbursement, $10,000 annual limit, direct vet pay, exam fees covered. Best for young, healthy pets and budget-conscious owners who want basic accident/illness coverage.
80% reimbursement $10,000 limit From $11/moFetch offers 90% reimbursement, unlimited annual coverage available, exam fees covered. Best for pet owners who want comprehensive coverage with exam fees included and flexible options.
80% reimbursement Unlimited limit From $35/mo
Frequently Asked Questions
How much does cat insurance cost in Canada?
Cat insurance generally costs $15–$80 per month in Canada. Across the providers we track, the average is roughly $30/month for a cat — typically cheaper than dog coverage.
Do indoor cats need pet insurance?
Yes. Indoor cats still develop costly illnesses such as urinary blockages, dental disease, kidney disease, and cancer. Insurance covers these illnesses, not just accidents.
What is the best cat insurance in Canada?
Our top-ranked options for cats are Trupanion, Spot, Petsecure, based on coverage, reimbursement, limits, and ratings.
Keep comparing
Rankings are based on our editorial scoring of publicly available coverage data and customer ratings, and are updated regularly. This page contains affiliate links; we may earn a commission if you buy a policy through our links, at no extra cost to you.