The Best Pet Insurance Companies In Canada (2022)

The Best Pet Insurance Companies In Canada

The number of pet owners in Canada continues to grow in numbers every single day with different families and individuals owning pets like cats, dogs, rabbits, and all sorts of animals.

Most pet owners love their pets like family and would go to almost any length just to ensure their well-being. The kind of emotional attachment most pet owners have with their furry friends can’t be overemphasized.

Just like we humans need to go for check-ups as often as possible and require medications to cater to our health, pets also need regular visits to the vet to stay healthy.

Also, Just like no one plans to get sick, you never know when an emergency or a serious medical condition would arise with your pet, which might require a medical procedure that will cost quite a lot of money.

Therefore, one of the best things you can do for both yourself and your pet is to purchase an insurance policy. Many might not agree with this because they find it extreme and unnecessary. However, pet insurance can save you from unexpected bills and also save the life of your pet.

That being said, when selecting a pet insurance company, you need to consider some things apart from just the pricing like the level of protection, discounts, type of pets covered, etc.

In this guide, we have put together the best pet insurance companies in Canada, and we are going to share them with you. Without any further time-wasting, let’s get on with it.

Best Pet Insurance Companies In Canada

Here are the best pet insurance companies in Canada which offer the best policies. These companies are ranked in no particular order.

1. Desjardins

despet insurance canada

Desjardins is one of the top insurance companies in Canada. They offer an amazing pet insurance program that covers about 80% of your pet’s health care expenses. You also get a 10% discount if you purchase an insurance policy for 3 or more pets, and a 15% discount if you purchase an insurance policy for 6 or more pets.

Desjardins offers three insurance policies for pets: the Bronze paw, Silver paw, and Gold paw. These plans cover the dental care, illnesses, and accidents of your pets, with the preventive care coverage included in the Gold paw policy.

Key Takeaways:

2. Petsecure

Petsecure insurance

Regarded as one of Canada’s oldest pet insurance companies, Petsecure has earned a spot on this list because they offer some of the best insurance coverages and discounts.

Petsecure offers insurance for cats and dogs specifically with no age limitation to purchase insurance for pets. They cover several costs including dental care, illnesses, accidents, behavioral therapy, X-rays, lost pet advertising, emergency care, medications, cremation, burial costs, flea control, vaccinations, etc.

Also, they offer several eye-catching discounts and benefits like a $1000 benefit for cremation and burial costs, $1000 boarding coverage for hospitalized pets, and many others.

Key Takeaways:

  • No age limitation tied to pet insurance policies
  • A wide array of cost coverage
  • Eye-catching discounts and benefits
  • Visit

3. Sonnet

sonnet insurance

Sonnet is another insurance company that made it on our list of the best car insurance companies in Canada. They are also regarded as one of the best choices when it comes to pet insurance.

Their pet insurance coverages include accidents, illness, surgery, dental care, alternative therapy, behavioral therapy, X-rays and diagnosis, medical devices, medications, emergencies, hospitalization, etc.

They cover up to 80% of your pet’s medical expenses and, you also get some nice benefits. For example, you get up to $2500 for accidents, $2500 for illnesses, $300 for accidents, etc.

Another interesting thing about Sonnet’s pet insurance policies is that policies can be purchased online which saves a lot of stress you think about it. However, some find this unsatisfying.

Key Takeways:

  • Most pet insurance coverage including behavioral and alternative therapy
  • 80% of your pet’s medical expenses including nice benefits like $2500 for accidents and illnesses
  • An all-online pet insurance company
  • Visit

4. CAA Pet Insurance

CAA Pet insurance

CAA insurance offers insurance coverage for home, health, life, auto, dental, travel, pets, etc. Their pet insurance policies feature three different plans: Compact, Intermediate, and Luxury.

Customers who are already CAA members get to save up to 12% on their insurance plans while non-members get to save up to 7%. However, their discount rates vary according to province and territory.

Their pet insurance coverages include accidents, illnesses, alternative therapy, behavioral therapy, holiday cancelation, prescription food, holiday cancelation, pet advertising, boarding fees, etc.

Key Takeaways:

  • 12% discount for members and 7% discount for non-members.
  • Alternative and behavioral therapy coverage
  • Visit

5. Trupanion


Trupanion is regarded by many as one of the best pet insurance companies in Canada because of the amazing insurance policies and coverage they offer. They’ve also been commended for their awesome customer service.

Trupanion provides pet insurance that covers up to 90% of your pet’s medical expenses with several pricing options which makes them a suitable choice for many pet owners.

Their pet insurance policies cover medical conditions like hereditary conditions, undiagnosed issues, congenital issues, diagnosis, accidents, hospital stays, veterinary supplements, medications, prosthetic devices, illnesses, herbal therapy, dental care, etc. Trupanion also offers some additional packages like pet owner assistance packages.

Key Takeaways:

  • Covers up to 90% of your pet’s medical expenses.
  • Covers hereditary, congenital, and undiagnosed issues.
  • Great customer service
  • Visit

6. Healthy Paws

healthy paws

Healthy Paws is another pet insurance company with positive customer reviews and high ratings. They are considered one of the best pet insurance companies in Canada. Also, they’ve been commended for their great customer service.

They cover up to 90% of your pet’s medical expenses with no maximum limits on payouts and offer amazing discounts.

Healthy Paws insurance policy covers accidents, illnesses, hereditary conditions, congenital conditions, chronic conditions, cancer, X-ray, diagnosis, alternative treatment, emergency treatment, specialty care, etc.

Key Takeaways:

  • 90% of your pet’s medical expenses
  • Awesome customer service
  • Pet insurance policy coverage includes alternative treatment, congenital, hereditary, and specialty care.
  • Visit

7. Spot Pet Insurance

spot pet insurance

Although one of the newest pet insurance companies in Canada and the newest on this list, Spot Pet Insurance has earned a spot on this list because of its awesome insurance policies.

They offer a 10% discount on each pet insured and provide three different pricing options for their customers to choose from like 3 reimbursement rates, 5 deductible amounts, and 6 annual limits.

Their pet insurance policies cover exam fees, chronic issues, accidents, illnesses, alternative therapy, etc. They also offer a preventive pet insurance option which consists of Gold preventive care and platinum preventive care. These two options might cost a little extra but, they cover more medical expenses.

Key Takeaways:

  • 10% discount on each pet insured
  • Different pricing options to choose from
  • Preventive pet insurance options which cover more medical expenses
  • Visit

8. Fetch Pet Insurance

pet fetch

Fetch Pet insurance company is one pet insurance company with several benefits and discount offers. They have decent prices which makes them a really good choice.

They offer up to 10% discount to AARP members, veterans or active military personnel, shelter or rescue adopters, veterinarians or vet employees, and shelter and rescue adopters.

Their pet insurance coverage includes veterinary exam fees, emergency visits, injuries, medical diagnosis, cancer treatment, behavioral therapy, surgery, specialist vet visit, ultrasound, etc.

Key Takeaways:

  • Several discount offers of up to 10%
  • Insurance coverage includes cancer treatment and behavioral therapy.
  • Visit

9. Lemonade Pet Insurance

lemonade insurance

Lemonade pet insurance is one of the best providers of insurance policies with its amazing offers and discounts.

Lemonade allows the purchasing of insurance policies for different breeds of pets including mixed breeds. Also, pet insurance policyholders get a 10%-17% discount on their purchased insurance.

Their pet insurance coverage includes accidents, illnesses, diagnosis, prescription medications, surgery, emergency, hospitalization, vaccines, routine dental checks, etc.

Key Takeaways:

10. Embrace Pet Insurance

embrace pet insurance

For the final pet insurance company on our list, we have Embrace Pet Insurance. They have received several positive reviews and high ratings from their policyholders for their amazing offers.

There’s no age limit placed on purchasing insurance for your pet, and they have nice discount offers which may vary according to province or region. They offer up to a 10% discount on multiple pet insurance and a 5% military discount.

Their insurance policy covers unexpected illnesses, accidents, congenital conditions, chronic conditions, emergency and specialty care, medical diagnosis, medical consultation, prescription medication, behavioral therapy, dental care, prosthetic devices, etc.

Key Takeaways:

  • Discount rates of up to 10% on multiple pet insurance
  • Variety of pet insurance coverage includes behavioral therapy, chronic conditions, unexpected illnesses, and congenital conditions.
  • Visit


That’s all on our best car insurance companies in Canada. We hope this guide helps you in selecting the best insurance company for your pet.

Have you got any comments, questions, or contributions? Please ensure to let us know.

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