Compare Pet Insurance in Canada (2026)
We compare all 10 major Canadian pet insurance providers on the things that actually matter — reimbursement rates, annual limits, waiting periods, exam-fee coverage, pricing, and customer ratings. Browse providers, run a head-to-head comparison, or jump to a buying guide below.
All Providers
Trupanion
4.290% reimbursement • Unlimited limit
From $45/mo (dog) • 4.2/5
View reviewPetsecure
4.180% reimbursement • Unlimited limit
From $30/mo (dog) • 4.1/5
View reviewFetch
2.590% reimbursement • Unlimited limit
From $50/mo (dog) • 2.5/5
View reviewPets Plus Us
2.180% reimbursement • $15,000 limit
From $25/mo (dog) • 2.1/5
View reviewDesjardins
3.580% reimbursement • $20,000 limit
From $45/mo (dog) • 3.5/5
View reviewPC
3.5No longer sold to new customers
View reviewSpot
4.580% reimbursement • $20,000 limit
From $45/mo (dog) • 4.5/5
View reviewPHI Direct
3.880% reimbursement • $10,000 limit
From $12/mo (dog) • 3.8/5
View reviewSonnet
480% reimbursement • $15,000 limit
From $35/mo (dog) • 4/5
View reviewOVMA Pet Health
3.580% reimbursement • Unlimited limit
From $75/mo (dog) • 3.5/5
View reviewBuying Guides
Head-to-Head Comparisons
Pick any two providers to see a detailed side-by-side breakdown.