Fetch by The Dodo

Best Pet Insurance Companies in Canada (2026)

Based on current market analysis, here are the pet insurance providers Canadians actually use and rely on:

🏆 Trupanion — Best for Serious/Chronic Conditions

Trupanion was founded in Canada and has been in the pet insurance business since 2000, eventually expanding into the U.S. in 2008. It's one of the most trusted names because it was literally built here.

Why people choose it:

• One of the best features that Trupanion offers is its Vet Direct Pay, which means you don't have to pay out of your own pocket at the vet and wait for the claim to go through.
• Trupanion offers 90% coverage, which is higher than most other insurance companies, and there are no limits — it covers illnesses, accidents, emergency dental, and hereditary and congenital conditions and doesn't raise its rates as your pet ages.
• Trupanion accepts new enrolments up to age 14.

Downsides: Trupanion doesn't offer any coverage for Wellness Exams, it doesn't give you a discount for multiple pets, and it's one of the more expensive pet insurance companies.

Best for: Owners with breeds prone to costly conditions — Goldens (cancer), Berners (cancer), French Bulldogs (BOAS/IVDD), German Shepherds (hip dysplasia/GDV) often benefit most from its unlimited payout structure.

🥈 Fetch by The Dodo — Best All-Around Coverage

Fetch pet insurance is compatible with any veterinarian in the US or Canada; they have no enrollment fees, and you can cancel your policy at any time.

Why people like it:

• It covers hereditary conditions, dental illness, exam fees, and holistic care — with no breed exclusions, making it especially strong for French Bulldogs, senior dogs, or any pet with a known breed-specific risk.
• Fetch advertises that the average monthly cost for dog insurance is $50 per month and $30 per month for cat insurance — one of the few companies transparent about pricing upfront.

Note: Fetch does sell in most Canadian provinces, though not Quebec or New Brunswick.

🥉 Petsecure — Best for Multi-Pet Households

Pet Secure is one of the top pet insurance companies in Canada, offering 4 different plans that each cover the same things but with different yearly amount limits.

Perks:

• You can get multi-pet discounts when you insure three or more pets.
• Petsecure usually has the broadest eligibility for older pets — a big plus if you're insuring a senior dog or cat.

Waiting periods: 14-day waiting period for illnesses, 48-hour waiting period for accidents, and 6 months for ligament and intervertebral disc injuries.

Other Notable Canadian Options

• OVMA (Ontario Veterinary Medical Association) — one of the only pet insurance companies created and supported by veterinarians, offering several plans with different coverage levels, 80% coverage, and loyalty discounts after your first and second years.
• PHI Direct — a newer pet insurance company that started in 2021, marketing itself as "fluff-free pet health insurance" with premiums quoted as 45.8% less for dogs and 37.7% lower for cats than other insurers.
• Pets Plus Us — frequently mentioned alongside Petsecure as a leading alternative for optional add-ons.
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Top pet insurance providers in Canada include Trupanion, Fetch by The Dodo, OVMA Pet Health Insurance, PHI Direct, and Sonnet, offering strong coverage, reliable claims, and popular plan options.

Top Pet Insurance Companies

1. Trupanion — Best Overall Trupanion is highly rated in Canada for offering unlimited coverage with 90% reimbursement and covering illness, accidents, emergency dental, and hereditary conditions. One key advantage is Vet Direct Pay, where vets are paid directly without reimbursement delays. There are no claim limits, and rates do not increase as pets age. However, it does not cover wellness exams and is typically more expensive than other providers Hepper+1.

2. Fetch by The Dodo — Best Value Fetch provides full coverage from 70% to 90% reimbursement across accidents and illness, including medications and surgeries. Claims submission is fast and simple, often reimbursed in as little as 2 days. Fetch offers optional wellness plans for dental and routine care. It may not be available in Quebec or New Brunswick and has a 6-month waiting period for hip or knee issues Hepper+2.

3. OVMA Pet Health Insurance Offered by Ontario veterinarians, this insurer provides 80% reimbursement and has multiple plans, including one with wellness coverage. Loyalty discounts are available after the first two years. Extras may include behavioral training, but most wellness coverage is only available on the most expensive plan, and claims can require more paperwork Hepper+1.

4. PHI Direct Pet Health Insurance — Best for Affordability PHI Direct offers lower premiums—on average 7% less than competitors—for both dogs and cats, covering 80% of vet costs. It provides 24/7 telehealth support with veterinary nurses. Preventive care and dental cleaning are not included, and it operates on time-limited coverage, meaning some chronic conditions may not be reimbursed after the policy year ends Hepper+1.

5. Sonnet Pet Insurance Sonnet offers coverage for essentials, including accidents, illness, surgery, and dental. It also covers boarding, holiday cancellations, and some behavioral therapies. The plan provides 80% reimbursement at a reasonable price but may raise rates without notice. Prescription food is not covered Hepper+1.

6. Other notable options:

Pets Plus Us: Offers 70–90% reimbursement with lifetime coverage for pets and optional wellness add-ons. Some reports cite slower claim reimbursements and occasional claim denials. Petsecure: Includes dental coverage on higher-tier plans, discounts for multiple pets, but has mixed customer service reviews. Peppermint: Flexible plan options, no breed or age restrictions, but wellness care is not included. Desjardins: Affordable for basic coverage with dental care in higher-tier options.

Considerations for Choosing Pet Insurance in Canada

Coverage: Ensure the policy covers accident, illness, hereditary conditions, and any extras you value like dental or wellness care. Reimbursement and Deductibles: Compare the percentage of vet bills reimbursed (commonly 70–90%) and annual or per-incident deductibles. Waiting Periods: Most insurers have 48 hours for accidents and 14 days for illness, though some conditions like cruciate ligament injuries or dental may have longer waiting periods. Price vs Benefits: Cheaper plans may lack wellness care or dental coverage, so balance cost with actual coverage needs. Availability by Province: Verify the insurer is licensed and offers plans in your province.

For most Canadian pet owners seeking reliable coverage with reasonable rates, Trupanion and Fetch by The Dodo are popular choices, while OVMA, PHI Direct, and Sonnet offer additional balance of affordability and plan options depending on your pet's needs and location Forbes+2.