As with most types of insurance, there are many pet insurance options out there, and for good reason. With costs rising, picking the right insurance is vital for your pet’s care and for your wallet, too.
When comparing pet insurance companies, look for factors such as coverage options, premiums, exclusions, customer reviews, claim process efficiency, and any waiting periods or age restrictions.
Best pet insurance 2025 winner: Sonnet Pet Insurance
Our pick for the best pet insurance of 2025 is Sonnet Pet Insurance. With competitive pricing, easy access to your policy online, all of the essential coverages, and a couple of options for extra coverage available, Sonnet Pet Insurance is tough to beat.
Sonnet is an online-only company, and this may be an issue for some. For those who value the convenience and value of online options like this, you'll find Sonnet Pet Insurance an excellent choice.
How we ranked the best pet insurance
To evaluate pet insurance, we analyze over 20 data points to generate a trustworthy Genius Rating. We consider all aspects of a pet insurance plan, including general coverage, medication, dental care, customer satisfaction, and post-death coverage, to assess its overall value. Then, the pet insurance plan’s features are rated based on how they stack up against other available options.
Comparing the best pet insurance companies
Pet insurance premiums are based on different factors, the most significant of which are:
- Species (dog or cat)
- Breed
- Age
We received quotes for both dogs and cats from each company. When seeking quotes, remember that your pet’s species and breed, its age, and your location will affect premiums.
All the information in the table is based on either a basic plan or the plan labelled "most popular".
The information below is based on quotes for a male, two-year-old domestic medium-hair cat and a female one-year-old poodle mix, both in Nova Scotia.
| Company | Monthly cost | Deductible | Reimbursement | Highlights | Learn more |
|---|---|---|---|---|---|
| Sonnet Pet Insurance | * Dog: $61.17 * Cat: $46.74 | $100 | 80% | * Behaviour therapy available on a situational basis * Hereditary conditions covered on a situational basis * 5% bundling discount | Learn more |
| Spot Pet Insurance | * Dog: $76.96 * Cat: $29.26 | $100 | 90% | * Add-on for routine dental care * Annual billing option saves $30 per year * Discounts on pet car supplies from partner retailers | Learn more |
| Pets+Us Pet Insurance | * Dog: $23.58 * Cat: $21.10 | $100 | 80% | * "Accident & Illness" plan has several customization options * Blue Ribbon Benefits offer dedicated support phone lines and more * 10% - 15% discount for Costco members | Learn more |
| Fetch | * Dog: $45.48 * Cat: $25.70 | $300 | 80% | * "Routine & Preventative" coverage add-ons available * Annual coverage cap ($5,000, $10,000, or $15,000) * Covers online vet visits too | Learn more |
| Trupanion Pet Insurance | * Dog: $62.01 * Cat: $40.91 | $100 | 90% | * Comprehensive dental coverage * Direct billing available with most vets * Several customizable deductible options | Learn more |
| Petsecure | * Dog: $56.14 * Cat: $42.89 | $100 | 80% | * Four plans available, varying levels of coverage * Doesn't cover food or special diets * Six-week complimentary trials for dog adoptions | Learn more |
| Furkin | * Dog: $36.12 * Cat: $26.97 | $100 | 80% | * 24/7 Telehealth line available * $20,000 annual cap * 5% multi-pet discount | Learn more |
There are a few things to note here. The dental coverage category refers to regular, preventative dental care. While the table says some companies don't cover this, they do provide care and coverage for emergency dental situations.
The dental coverage category refers to regular, preventative dental care. While the table says some companies don't cover this, they do provide care and coverage for emergency dental situations.
We accessed all of this information on June 16, 2025, but it can change at any time. It's always best to input your own details and get quotes for yourself.
Using the above examples, here's a comparison of pet insurance prices:
Sonnet Pet Insurance
- Monthly fee for dogs: $61.17
- Monthly fee for cats: $46.74
- Deductible: $100
- Annual cap: N/A
Consistently a solid choice, Sonnet Pet Insurance has impressive coverage and competitive rates. They even offer a 5% discount if you bundle your pet insurance with a home and/or auto insurance policy held with them.
While this coverage is offered on a somewhat situational basis, your pet can receive several types of alternative therapies with their Sonnet Pet Insurance policy. These include:
- Acupuncture
- Homeopathy
- Hydrotherapy
- Laser therapy
- Massage therapy
- Physiotherapy
- Stem cell therapy
And when the sad time comes that you have to say goodbye to your beloved furry friend, Sonnet Pet Insurance will help ease the burden with its coverage for cremation and/or burial costs, plus making a charitable donation in memory of your loved one.
Accidents Coverage
Illness Coverage
Procedures Coverage
Hospital Stays
If you have a furry companion, you already know how important they are to you. It can be hard to think about what could happen if disaster struck – could you afford to pay the medical bills? Would you have to make a hard choice, because you can’t afford to spend thousands on your pet?
Pros
- Hits all the basic coverages
- A handful of extra coverages available
- Offered decently low quotes
- Easy and quick quote process
Cons
- No coverage for prescription food
- Sonnet has a history of increasing insurance rates
- Everything is done online
- Not the cheapest company we looked at
Provinces
AB, ON, QC, NB, NS, BC, PE, ALL, SK, YT, MB, NU, NL, NT
Eligibility
- Canadian citizen
- Age of majority
Why You Want It
Competitive pricing + Quick and easy insurance coverage for your furry friend.
Special Features
See Issuer for Details
Accidents Coverage
Illness Coverage
Procedures Coverage
Dental Care
Hereditary & Breed-specific Conditions
Hospital Stays
Boarding Fees
Alternative Therapy
Medication
Exam Fees
Behavioural Therapy
Medical Devices
Holiday Cancellation
Lost Pet Advertising
Cremation Or Burial
Preventative Care Coverage
Prescription Food Coverage
In Memoriam Donation
Spot Pet Insurance
- Monthly fee for dogs: $76.96
- Monthly fee for cats: $29.26
- Deductible: $100
- Annual cap: $5,000
Though it covers all the usual things – accidents, illness, hospital stays, medication, etc. – preventative care add-ons are what helps Spot Pet Insurance really stand out. Users can choose to include coverage for these and other preventative services:
- Routine dental care
- Heartworm and/or flea prevention
- Spaying/neutering
- Wellness exams
- Extra vaccines
Spot Pet Insurance comes with a few perks, too, like cash back on alternative therapies, discounts on pet supplies from partnering retailers, and the option to save $30 per year by paying annually. It's also one of the few pet insurance companies to offer 90% reimbursement, rather than the typical 80%.
Keep in mind, though, that Spot Pet Insurance isn't available everywhere. At the time of writing, only those in AB, BC, MB, NL, NS, ON, PE, and SK are eligible.
Accidents Coverage
Illness Coverage
Procedures Coverage
Hospital Stays
Spot Pet Insurance offers full coverage for your pet. With a range of plans to choose from, you'll only pay for what you need.
Pros
- All the coverages you need
- 4 plans to choose from
- Easy quotes
Cons
- No mobile app
- Not available in all areas
Provinces
AB, BC, MB, NL, NS, ON, PE, SK
Eligibility
- Canadian citizen or legal resident
- Age of majority
Why You Want It
Get full coverage for your special pet with quick and easy pricing
Special Features
- 4 plans to choose from
Accidents Coverage
Illness Coverage
Procedures Coverage
Dental Care
Hereditary & Breed-specific Conditions
Hospital Stays
Boarding Fees
Alternative Therapy
Medication
Exam Fees
Behavioural Therapy
Medical Devices
Holiday Cancellation
Lost Pet Advertising
Cremation Or Burial
Preventative Care Coverage
Prescription Food Coverage
In Memoriam Donation
Pets+Us Pet Insurance
- Monthly fee for dogs: $23.58
- Monthly fee for cats: $21.10
- Deductible: $100
- Annual cap: $5,000
A top choice for pet insurance in Canada is Pets+Us Pet Insurance, and there are many reasons for this – not the least of which is the 10% - 15% discount offered to Costco members.
As mentioned, the table above only shows the most basic plan and Pets+Us Pet Insurance doesn't really shine here. However, its premium plan offers extensive coverage and surprising flexibility, including coverage for the following situations:
- Accidents
- Alternative and behavioural therapies
- Hereditary conditions
- Illnesses
- Hospital stays
- Surgeries
Plus, you're able to choose these details:
- Two annual cap options: $7,500 or $15,000
- Three annual deductible options: $100, $200, or $300
- Three payout amount options: 70%, 80%, or 90%
Pets+Us Pet Insurance also gives you the option to change the coverage, deductibles, and reimbursement percentage for the Accident & Illness plan, but to a more limited extent than the competition.
Accidents Coverage
Illness Coverage
Procedures Coverage
Hospital Stays
Have a furry friend who you don't know how you'd live without? Vet bills can get very expensive, so it might be time to consider some pet insurance. Pets+Us is one of your main choices in Canada, giving you an assortment of coverage options – both for accidents and illness.
Pros
Cons
Provinces
ALL
Eligibility
- Canadian citizen
- Age of majority
Why You Want It
Get flexible insurance coverage + Access exclusive benefits with a plan.
Special Features
See Issuer for Details
Accidents Coverage
Illness Coverage
Procedures Coverage
Dental Care
Hereditary & Breed-specific Conditions
Hospital Stays
Boarding Fees
Alternative Therapy
Medication
Exam Fees
Behavioural Therapy
Medical Devices
Holiday Cancellation
Lost Pet Advertising
Cremation Or Burial
Preventative Care Coverage
Prescription Food Coverage
In Memoriam Donation
Fetch
- Monthly fee for dogs: $45.48
- Monthly fee for cats: $25.70
- Deductible: $300
- Annual cap: $10,000
The chosen insurance company of the OSPCA, Fetch offers decent coverage and is one of only two companies that provide a 90% payout – its competitors typically offer only 80%.
Fetch also allow users to customize their plans to better match their needs, meaning you can choose your preferred reimbursement rate (70%, 80%, or 90%), annual deductible ($700, $500, or $300), and the maximum annual cap ($5,000, $10,000, or $15,000). There's also an optional add-on that takes care of routine and preventative maintenance for your pet, like vaccinations and annual exams.
Trupanion Pet Insurance
- Monthly fee for dogs: $62.01
- Monthly fee for cats: $40.91
- Deductible: $100
- Annual cap: Unlimited
Trupanion Pet Insurance offers unlimited coverage and 90% reimbursement for all plans. They're also one of the few options that doesn't have an annual cap for coverage amounts, for either cats or dogs.
Trupanion allows you to customize your plan by offering two types of riders: Recovery and Complementary Care for non-clinical procedures (like acupuncture) and Pet Owner Assistance for non-medical fees (like boarding costs). Plus, you can customize your plan by changing your deductible.
Accidents Coverage
Illness Coverage
Procedures Coverage
Hospital Stays
Trupanion is a reputable pet insurance provider in North America. They offer comprehensive policies for pet owners, including coverage for hereditary conditions, dental work, medication, and much more. You can also customize your deductible – giving you the option to raise or lower it as needed.
Pros
- Lifetime, customizable deductible
- No payout limits
- Additional benefit packages
- Direct payment to vets
Cons
- No coverage for elderly pets
- High prices
Provinces
ALL
Eligibility
- Canadian citizen
- Age of majority
Why You Want It
90% coverage with no payout limit + See any veterinarian you like.
Special Features
See Issuer for Details
Accidents Coverage
Illness Coverage
Procedures Coverage
Dental Care
Hereditary & Breed-specific Conditions
Hospital Stays
Boarding Fees
Alternative Therapy
Medication
Exam Fees
Behavioural Therapy
Medical Devices
Holiday Cancellation
Lost Pet Advertising
Cremation Or Burial
Preventative Care Coverage
Prescription Food Coverage
In Memoriam Donation
Petsecure
- Monthly fee for dogs: $56.14
- Monthly fee for cats: $42.89
- Deductible: $100
- Annual cap: $2,500 per illness, $2,500 per accident
Petsecure provides four levels of insurance and lets you choose between two deductible options for each plan. And like Sonnet Pet Insurance, Petsecure doesn't have an annual cap on its coverage, instead placing limits on individual categories of care.
However, this company's deductibles work a bit differently – instead of paying it every time you make a claim, you pay it once per year, no matter how many claims you made and only if you made at least one. And the amount you pay for a deductible increases with the age of your pet.
Furkin pet insurance
- Monthly fee for dogs: $36.12
- Monthly fee for cats: $26.97
- Deductible: $100
- Annual cap: $20,000
With Furkin pet insurance, you can choose from one of three possible deductible amounts and, therefore, three possible monthly premiums. The choices are a $100, $300, or $750 deductible and the monthly cost decreases as the deductible increases.
With a $20,000 annual cap and 80% reimbursement, Furkin is not the cheapest option we looked at, but it's got a leg-up, since the annual cap is much higher than Pets+Us Pet Insurance's $5,000. Furkin also offers a 5% discount for insuring multiple pets.
Is pet insurance worth it?
As with many things, there's no straight answer regarding whether or not pet insurance is always worth it. But there are a couple of questions to ask yourself to determine if pet insurance is right for you:
- Is your pet purebred? If so, does their breed have any known hereditary issues?
- Is your pet over 5 years old?
- Would you sleep better at night with pet insurance?
If you answered yes to any of these questions, pet insurance might be something you want to consider.
A pet insurance alternative
If you're not convinced that pet insurance is right for you, consider setting aside some money each month in a high interest savings account. This way, you'll have a personal insurance payout that will never deny you coverage.
And if you don't use it, it can easily be converted towards another savings goal – like that all-inclusive trip you've been dreaming about.
How does pet insurance Canada work?
Typically, pet insurance works just like any type of insurance you'd buy for yourself – you pay monthly premiums and are provided with assurance that if your fur baby gets sick or injured, the resulting expenses will be covered – up to a certain percentage.
Some insurance companies cover a higher maximum percentage than others, and some have higher premiums. Some – but not all – insurers offer direct billing, just like with typical health insurance (for people).
You likely won't be able to get pet insurance for an older animal with pre-diagnosed health problems. The younger your cat or dog is when you get insurance for them, the better.
What does pet insurance cover?
Coverage varies depending on the company you select and the plan you choose. Most pet insurance providers offer three plan levels, with each tier providing higher coverage limits (and higher costs).
Generally speaking, you’ll likely find the following coverages with the right pet insurance in Canada:
- Accidents
- Illnesses
- Vet fees
- Diagnostic treatments
- Cancer treatments
- Prescription medication
- Surgery
- Rehabilitation
- X-rays and other scans
Higher-level plans typically offer coverage for things such as specialist treatments, kennel fees, non-routine dental, and more.
Remember to consult your insurance plan directly to confirm what's covered and for how much. Also make note of any stipulations. For example, we know a lot about hereditary conditions with certain breeds. If your pet develops a hereditary condition known to be common with its breed, you may not be covered.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
FAQ
What is the best pet insurance in Canada?
The best pet insurance in Canada for you will depend on many factors. Based on our GeniusRating, Sonnet Pet Insurance came out on top, mostly due to its impressive coverage, competitive quotes, and its simple quote process.
Does having pet insurance save you money?
Pet insurance can save money on unexpected vet bills, but it depends on your pet's health, your plan's coverage, and the associated costs. It's a balance between regular premiums and potential savings from covered medical expenses.
What about Costco pet insurance?
Costco doesn't have its own pet insurance, but it does endorse Pets+Us Pet Insurance. Executive Costco members get a 15% discount and Gold Star members get 10%. And no matter your membership tier, the first month is free.
What about OSPCA pet insurance?
The OSPCA offers pet insurance through Fetch, formerly known as PetPlan. Fetch provides extensive coverage for both dogs and cats, is reasonably priced, has a $10,000 annual cap, and pays 90% of individual expenses.
Does pet insurance cover vaccinations?
Most pet insurers don't cover routine vaccinations, but this varies by insurer. Some insurers provide vaccinations as part of an add-on, but there may only be certain specific vaccines included – look at Spot Pet Insurance, for example.
What isn’t covered by pet insurance?
This depends on the insurer, but many pet insurance companies do not cover routine care, vaccinations, boarding, grooming, and pre-existing conditions. Check with your insurer to know exactly what your insurer does and does not cover.
What are the benefits of pet insurance?
This may depend on the individual, but pet care can be expensive, especially when a sudden illness or injury makes it necessary. Pet insurance usually offers customizable coverage, accident & illness coverage, and most importantly, peace of mind.
Find more insurance products
Looking for different insurance products? You can find all our top insurance product reviews here:
Latest Articles in Pet Insurance
Is pet insurance worth it? Learn what's covered, average costs in Canada, and compare providers like Spot Pet Insurance to protect against u...
