Choosing the right pet insurance in Canada can save you thousands of dollars when your pet needs veterinary care. But with so many providers claiming to be "the best," how do you actually choose?
We reviewed Canada's 6 leading pet insurance companies based on nearly 20,000 Trustpilot reviews. This guide ranks providers by real Trustpilot scores and shows you exactly which company is right for your pet's needs.
📌 Quick Answer
Best Overall: Fetch Pet Insurance & Spot Pet Insurance TIE at 4.6/5 stars
- Fetch: 7,541 reviews, $21-$35/month, includes exam fees
- Spot: 140 reviews, age-based pricing (younger pets save more)
Best for Unlimited Coverage: Trupanion - 4.4/5, 12,080 reviews, direct vet payment
Worst Rated: Pets Plus Us - 1.6/5 (186 reviews) - frequent complaints about premium increases
Fetch's Average Monthly Price: Dogs $35, Cats $21 (varies by pet, location and plan)
➡️ Skip to: Full Rankings | Comparison Table | Decision Guide
How We Ranked These Providers
We evaluated Canadian pet insurance companies using:
✅ Customer Satisfaction - Trustpilot ratings from real policyholders
✅ Coverage Quality - What's included, limits, exclusions
✅ Pricing Transparency - Clear pricing structure and options
✅ Claims Process - Speed and ease of reimbursement
✅ Customer Support - Availability and helpfulness
Our rankings are based primarily on verified Trustpilot customer ratings, which reflect real experiences from thousands of Canadian pet owners.
Quick Comparison Table
| Company | Trustpilot Rating | Coverage % | Annual Limit | Monthly Cost* | Best For |
|---|---|---|---|---|---|
| Fetch | ⭐ 4.6/5 (7,541) | 70-90% | $5K-$15K | $21-$35 | Broad coverage + flexibility |
| Spot | ⭐ 4.6/5 (140) | 70-90% | Varies | Quote | Age-based pricing |
| Trupanion | ⭐ 4.4/5 (12,080) | Up to 90% | Unlimited | Quote | Direct vet payment |
| Furkin | ⭐ 4.1/5 (6) | 80% | $20,000 | Quote | High annual limit |
| Petsecure | ⭐ 1.9/5 (31) | Up to 80% | $1K-Unlimited | Quote | Multiple plan tiers |
| Pets Plus Us | ⭐ 1.6/5 (186) | 70-90% | $7.5K-$15K | Quote | Flexible options |
*Average for dogs. Cat insurance typically costs 30-50% less.
Top Ranked Companies
🥇 #1 (Tied): Fetch Pet Insurance - 4.6/5
Trustpilot Rating: 4.6/5 from 7,541 reviews
Fetch leads with the highest number of verified reviews and an excellent 4.6/5 rating. Founded in 2003 (formerly Petplan), Fetch now protects over 550,000 pets across North America.
Key Features:
- ✅ Customizable coverage: Choose 70%, 80%, or 90% reimbursement
- ✅ No accident waiting period - Coverage starts immediately
- ✅ No upper age limit - Enroll senior pets anytime
- ✅ Includes exam fees - Sick-visit exam fees covered
- ✅ Dental coverage - Dental injury and disease included
- ✅ Optional wellness - Add preventive care coverage
Monthly Cost:
- Dogs: ~$35/month average
- Cats: ~$21/month average
Annual Coverage: Choose $5,000, $10,000, or $15,000 limits
✅ Best For:
- Pet owners wanting broad, customizable coverage
- Owners of senior pets (no age limit)
- Those who want exam fees covered
- People seeking optional wellness add-on
⚠️ Not Ideal For:
- Pre-existing conditions (not covered)
- Those wanting unlimited annual coverage
Claims: Fast processing (typically under 10 days), direct deposit in 2 days
🥇 #1 (Tied): Spot Pet Insurance - 4.6/5
Trustpilot Rating: 4.6/5 from 140 reviews
Spot ties for first place with a 4.6/5 rating. What makes Spot unique is its age-based reimbursement structure designed specifically for the Canadian market.
Key Features:
- ✅ Age-based pricing: Younger pets get 90% reimbursement, $100 deductible
- ✅ No upper age limit - Enroll pets 8 weeks and older
- ✅ No lifetime cap - Unlimited lifetime reimbursement (annual limits apply)
- ✅ Hereditary conditions covered - Hip dysplasia, genetic issues included
- ✅ 24/7 telehealth - Free pet health helpline
- ✅ 5-10% multi-pet discount
Age-Based Pricing Structure:
- Under 2 years: $100 deductible, 90% reimbursement
- 2-5 years: $150 deductible, 85% reimbursement
- 5-8 years: $200 deductible, 80% reimbursement
- 8-10 years: $250 deductible, 75% reimbursement
- Over 10 years: $300 deductible, 70% reimbursement
✅ Best For:
- Younger pets (get highest reimbursement)
- Owners who want predictable age-based pricing
- Multi-pet households (discounts available)
- Those seeking comprehensive coverage with no lifetime limits
⚠️ Not Ideal For:
- Those wanting fixed 90% reimbursement regardless of age
- Quebec residents (not available)
Claims: Fast online submission with direct deposit reimbursement
🥈 #2: Trupanion - 4.4/5
Trustpilot Rating: 4.4/5 from 12,080 reviews
Trupanion ranks second with the most reviews of any provider (12,080) and a strong 4.4/5 rating. Founded in 2000, Trupanion is known for its unique direct vet payment feature.
Key Features:
- ✅ Direct vet payment - Pay only your portion at checkout (at participating clinics)
- ✅ Unlimited coverage - No annual or lifetime payout caps
- ✅ Per-condition deductible - Pay deductible once per condition, never again
- ✅ Up to 90% reimbursement - High coverage percentage
- ✅ 24/7 support - Round-the-clock customer service
- ✅ Covers hereditary conditions - Genetic issues included
Monthly Cost: Varies by pet, location, and deductible (quote-based)
Annual Coverage: Unlimited (no caps)
✅ Best For:
- Owners who want direct vet payment (avoid upfront costs)
- Those seeking unlimited lifetime coverage
- Owners of purebred pets prone to hereditary conditions
- People who can budget for higher premiums
⚠️ Not Ideal For:
- Budget-conscious owners (premiums are higher)
- Those who want exam fees covered (not included)
- Owners wanting wellness coverage (not available)
Claims: Direct payment at checkout (participating vets) or submit for reimbursement
Why Slightly Lower Rating? Some reviewers mention higher premiums and per-condition deductibles can be confusing. However, the vast majority praise the direct payment feature and unlimited coverage.
🥉 #3: Furkin - 4.1/5
Trustpilot Rating: 4.1/5 from 6 reviews ⚠️ Small sample
Furkin is a newer Canadian pet insurance provider (founded 2021) based in North Vancouver, BC. While the Trustpilot sample is very small, early reviews are positive.
Key Features:
- ✅ $20,000 annual limit - One of the highest in Canada
- ✅ 80% reimbursement - Fixed rate
- ✅ 100% Canadian owned - Based in British Columbia
- ✅ Includes exam fees and taxes - Comprehensive coverage
- ✅ 5% multi-pet discount - Automatic for multiple pets
- ✅ 24/7 telehealth - Included with coverage
- ✅ No per-condition limits - Only annual limit applies
Monthly Cost: Quote-based (varies by pet age, breed, location)
Annual Coverage: $20,000 (very high limit)
✅ Best For:
- Owners wanting a high $20,000 annual limit
- Those who prefer supporting a Canadian company
- Multi-pet households (automatic 5% discount)
- Owners who want exam fees and taxes covered
⚠️ Not Ideal For:
- Those specifically wanting 90% reimbursement (fixed at 80%)
- Pets 14+ years at enrollment (age cutoff)
- Quebec or Nunavut residents (not available)
- Those wanting a large review sample for confidence
Important Note: With only 6 Trustpilot reviews, this rating may change significantly as more customers leave feedback. Consider this alongside the company's other strengths.
#4: Petsecure - 1.9/5
Trustpilot Rating: 1.9/5 from 31 reviews ⚠️ Limited sample
Petsecure has over 35 years of experience in Canadian pet insurance and is 100% Canadian owned and operated. The low Trustpilot score is based on a small sample of 31 reviews.
Key Features:
- ✅ Four coverage tiers - Secure 1, 2, 3, and 4 plans
- ✅ Unlimited option - Secure 4 has unlimited accident/illness coverage
- ✅ Dental included - All plans include dental coverage
- ✅ Exam fees and taxes covered - Comprehensive reimbursement
- ✅ Wellness coverage - Secure 4 includes preventive care ($450 dogs/$350 cats)
- ✅ Multi-pet discounts - 10% for 3+ pets, 15% for 6+ pets
- ✅ 35+ years experience - Over 1.4 million pets protected
Monthly Cost: Quote-based
Annual Coverage:
- Secure 1: $1,000 per accident/condition
- Secure 2: $2,500 per accident/condition
- Secure 3: $5,000 per accident/condition
- Secure 4: Unlimited
✅ Best For:
- Owners wanting multiple plan tier options
- Those seeking unlimited coverage (Secure 4)
- Owners who value dental coverage included
- Multi-pet households (strong discounts)
- Those preferring a Canadian company with long track record
⚠️ Not Ideal For:
- Those wanting reimbursement above 80% (fixed rate)
- Weekend support needs (closed Sat-Sun)
- Those requiring shorter waiting periods (6 months for dental, cruciate ligament, IVDD)
About the Rating: Petsecure's Trustpilot profile is unclaimed with only 31 reviews out of 1.4 million pets insured. This small sample may not represent the full customer experience. The company's 35+ year track record suggests sustained business operation.
#5: Pets Plus Us - 1.6/5
Trustpilot Rating: 1.6/5 from 186 reviews
Pets Plus Us is a Canadian pet insurance provider based in Oakville, Ontario. The Trustpilot reviews frequently mention premium increases and claim decisions, though some reviewers report positive experiences.
Key Features:
- ✅ Flexible reimbursement - Choose 70%, 80%, or 90%
- ✅ Two coverage tiers - $7,500 or $15,000 annual limits
- ✅ No upper age limit - Enroll senior pets anytime
- ✅ Annual deductible - Not per-condition
- ✅ Optional wellness - Routine and Advanced wellness plans
- ✅ Multi-pet discount - Up to 15% for additional pets
- ✅ Accident-only option - $5,000 annual, 80% reimbursement, $100 deductible
Monthly Cost: Quote-based (varies by age, breed, location)
Annual Coverage: Choose $7,500 or $15,000 (Accident & Illness) or $5,000 (Accident-only)
✅ Best For:
- Owners wanting flexible reimbursement choices (70/80/90%)
- Those who prefer annual deductibles vs per-condition
- Senior pet owners (no upper age cutoff)
- Multi-pet households (up to 15% discount)
- Those wanting accident-only coverage option
⚠️ Not Ideal For:
- Those wanting unlimited annual coverage
- Owners seeking the highest customer satisfaction ratings
About the Rating: Trustpilot reviews mention concerns about premium increases and claim processing times. However, the company offers more flexibility than many competitors with customizable reimbursement rates and multiple plan options.
Want More Details? Read our comprehensive Pets Plus Us Review 2026 with detailed coverage analysis and customer feedback.
Quick Decision Guide
Not sure which provider is right for you? Find your match:
🏆 Want the Safest Bet?
Fetch or Spot
Both have 4.6/5 ratings with excellent customer feedback. Fetch has more reviews (7,541 vs 140), while Spot offers unique age-based pricing.
💰 Want to Avoid Upfront Costs?
Trupanion
Direct vet payment at participating clinics means you only pay your portion at checkout. No waiting for reimbursement.
🇨🇦 Prefer a Canadian Company?
Furkin or Petsecure
Both are 100% Canadian owned and operated. Furkin offers $20K annual limits; Petsecure has 35+ years of experience.
👴 Have a Senior Pet?
Fetch or Spot
No upper age limits for enrollment. Spot's age-based pricing may be more affordable for older pets.
💵 Want the Highest Annual Limit?
Furkin
$20,000 annual limit (highest in our comparison). Trupanion offers unlimited coverage but at higher premiums.
🏥 Want Unlimited Coverage?
Trupanion
No annual or lifetime caps. Pay higher premiums for complete peace of mind.
🐕🐈 Have Multiple Pets?
Petsecure or Spot**
Petsecure offers 10% for 3+ pets (15% for 6+). Spot offers 5% for 2 pets, 10% for 3+.
What's Covered? Feature Comparison
| Feature | Fetch | Spot | Trupanion | Furkin | Petsecure | Pets Plus Us |
|---|---|---|---|---|---|---|
| Accidents | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
| Illnesses | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
| Exam Fees | ✅ | ✅ | ❌ | ✅ | ✅ | ✅ |
| Hereditary Conditions | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
| Dental (Injury) | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
| Dental (Routine) | Add-on | Add-on | ❌ | ❌ | ✅ All plans | Add-on |
| Wellness/Preventive | Add-on | Add-on | ❌ | ❌ | Secure 4 only | Add-on |
| Direct Vet Payment | ❌ | ❌ | ✅ | ❌ | ❌ | ❌ |
| 24/7 Support | Chatbot | Telehealth | ✅ Phone | Telehealth | ❌ | ❌ |
Pricing Guide
Pet insurance costs in Canada vary based on:
Factors That Affect Price:
- 🐕 Pet type and breed - Dogs cost more than cats; large breeds cost more than small
- 🎂 Age - Premiums increase as pets get older
- 📍 Location - Urban areas with higher vet costs = higher premiums
- 💰 Coverage amount - Higher limits and reimbursement = higher cost
- 🏥 Deductible - Higher deductible = lower monthly premium
What Pet Insurance Costs in Canada:
- Fetch's own average price: $35/month for dogs and $21/month for cats
- National averages: Fetch quotes NAPHIA (North American Pet Health Insurance Association) as saying the average annual cost to insure a dog in Canada was $1,175 in 2025, and $601 for a cat
- Other providers don't publish average prices, so get a quote for your own pet
💡 Tips to Save Money:
- Enroll young - Premiums are lowest for puppies/kittens
- Choose higher deductibles - Usually lowers the monthly premium (compare quotes)
- Lower reimbursement - A lower percentage usually means a lower premium
- Skip wellness - Cover routine care out-of-pocket
- Multi-pet discount - Several providers discount multiple pets (see our cat insurance guide for published discounts)
- Annual payment - Some insurers discount annual vs monthly payments
What Pet Insurance Doesn't Cover
All Canadian pet insurance policies exclude:
❌ Pre-existing conditions - Anything diagnosed or showing symptoms before coverage starts
❌ Waiting periods - Typically 48 hours (accidents) and 14 days (illness)
❌ Cosmetic procedures - Ear cropping, tail docking, declawing
❌ Breeding costs - Pregnancy, whelping, cesarean sections
❌ Routine care - Annual exams, vaccines (unless wellness add-on purchased)
Frequently Asked Questions About Pet Insurance in Canada
Which is the #1 Best Pet Insurance Company in Canada?
Fetch Pet Insurance and Spot Pet Insurance tie for #1 with 4.6/5 Trustpilot ratings. Fetch has more reviews (7,541 verified reviews), while Spot offers unique age-based pricing that may save money for younger pets.
Is pet insurance worth it in Canada?
It depends on your pet's age and health and on whether you could pay a large, unexpected vet bill out of pocket. Pet insurance protects against that kind of bill. Younger pets get the most value because premiums are lower and there are fewer pre-existing conditions to exclude.
Learn more: Is Pet Insurance Worth It? Real Cost Analysis
How much does pet insurance cost per month in Canada?
Fetch says its average price is $35/month for dogs and $21/month for cats. Fetch also quotes NAPHIA as putting the average annual cost to insure a dog in Canada at $1,175 in 2025, and a cat at $601.
Costs vary significantly by breed, age, location, and coverage level, so get quotes for your own pet.
Can I get insurance for a senior pet?
Yes! Fetch, Spot, and Pets Plus Us have no upper age limits for enrollment. However, premiums will be higher and any existing conditions will be excluded as pre-existing.
How do I choose between these companies?
Start with customer ratings. Fetch and Spot have the highest Trustpilot scores (4.6/5). Then consider:
- Your budget
- Whether you want unlimited coverage vs annual limits
- Coverage features important to you (exam fees, dental, etc.)
- Multi-pet discounts if applicable
Get quotes from your top 2-3 choices and compare actual prices for your pet.
What's a pre-existing condition?
Any injury, illness, or symptom that occurred or showed signs before your coverage started. This includes conditions diagnosed before enrollment AND symptoms that appeared but weren't diagnosed yet. Pre-existing conditions are excluded by all Canadian pet insurers.
Do I need wellness coverage?
Wellness add-ons cover routine care like annual exams and vaccines, depending on the provider. They're optional, and pricing and benefit limits vary by provider and plan.
Skip it if: You'd rather pay for routine care yourself
Get it if: You want predictable monthly costs and won't otherwise do preventive care
Learn more: What Does Pet Insurance Cover in Canada?
Final Recommendation
Our Top Pick: Fetch Pet Insurance
After reviewing customer ratings, coverage options, and pricing, Fetch Pet Insurance offers the best overall value for Canadian pet owners:
✅ Highest confidence: 4.6/5 rating from 7,541 verified reviews
✅ Comprehensive coverage: Includes exam fees, dental, hereditary conditions
✅ Flexibility: Choose reimbursement rate (70/80/90%) and annual limit ($5K/$10K/$15K)
✅ No age limits: Enroll senior pets anytime
✅ Fast claims: Under 10 days processing, 2-day direct deposit
✅ Proven track record: Founded 2003, protecting 550,000+ pets
Runner-Up: Spot Pet Insurance
Tied rating with Fetch (4.6/5), unique age-based pricing may offer better value for younger pets.
Premium Option: Trupanion
Best for unlimited coverage and direct vet payment at participating clinics. Higher premiums but maximum peace of mind.
Next Steps
- Get quotes from your top 2-3 choices - Prices vary significantly by your pet's details
- Compare actual costs - Use the same coverage level for fair comparison
- Read the policy details - Check waiting periods, exclusions, and coverage limits
- Enroll sooner rather than later - Younger pets = lower premiums + avoid pre-existing conditions
Ready to get started?
Related Reading:
- How to Choose Pet Insurance in Canada
- What Does Pet Insurance Cover?
- Is Pet Insurance Worth It? Cost Analysis
- Pets Plus Us Review 2026
Disclaimer: This comparison is based on publicly available information and verified Trustpilot customer reviews as of September 2026. Coverage details, pricing, and ratings can change. Always review current policy documents and get personalized quotes before purchasing. We may earn a commission if you purchase through our affiliate links, which helps us maintain this free resource.
Last Updated: September 29, 2026