A Canadian pet insurance guide

Pet insurance,
side by side.

See how two plans handle the same vet bill. Compare deductibles, coverage limits and the fine print for your dog or cat.

Your pet
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An eligible-bill example

What would you actually pay?

Here’s one illustration in Canadian dollars. Apply the reimbursement percentage to the eligible bill, then subtract the remaining deductible. Assume the payout limit is high enough.

Try a different bill
Eligible vet bill
$1,000
Deductible remaining
$250
Reimbursement rate
80%
Insurer reimburses
$550
Your final share
$450

Guides by species

Start with your pet.

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Dog insurance

Starting with a puppy or reviewing a senior dog’s plan? Check enrolment ages, hereditary conditions and recurring treatment.

Explore dog insurance
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Cat insurance

For a kitten or an older indoor cat, compare dental wording, diagnostic tests and the rules for conditions that predate enrolment.

Explore cat insurance

Local research

Where your pet calls home.

Your home province or territory can affect which plans you can apply for. A local guide also helps you prepare questions about payment at the clinic.

See all provinces, territories and cities

How we compare plans

Read how we check Canadian policy wording, handle commercial links and correct the guides.

Read our editorial policy

Ask a research question

Need help finding a source or reading a term? Send a question to the research team. Your insurer handles quotes and claims.

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