Canada has a lot of cats. The Canadian Animal Health Institute (CAHI) reported in 2022 that the cat population had grown from 8.1 million to 8.5 million, and that 60% of households owned at least one cat or dog. So how do you choose cat insurance?
We compared the six providers on this site using their own cat pages and independent veterinary sources. Where a provider doesn't publish something, we say so instead of guessing.
📌 Quick Answer
- Best ratings: Fetch and Spot, both 4.6/5 on Trustpilot.
- Best for kittens and younger cats: any of them, because every provider excludes pre-existing conditions, so the earlier you enroll, the fewer exclusions.
- Strongest cat dental coverage on paper: Fetch (every adult tooth) and Petsecure (an allowance in every plan).
- No cat dental coverage on most plans: Spot and Pets Plus Us.
- Older cats: Spot caps full coverage at age 12, and Trupanion and Furkin at under 14. Fetch and Petsecure state no upper limit.
➡️ Skip to: Comparison table | Common cat conditions | Is it worth it?
Comparison Table
| Provider | Trustpilot | Cat enrollment ages | Illness waiting period | Cat dental |
|---|---|---|---|---|
| Fetch | 4.6/5 (7,541 reviews) | From 6 weeks, no upper limit | Up to 15 days (no accident wait) | Every adult tooth, plus periodontal disease and broken teeth |
| Spot | 4.6/5 (140 reviews) | 8 weeks to 12 years; 13+ accident-only | Not published on the pages we reviewed | Most programs don't offer dental coverage |
| Trupanion | 4.4/5 (12,080 reviews) | From 8 weeks, under 14 | Not confirmed for Canada | Extractions, fractures, gum disease; not preventable issues |
| Furkin | 4.1/5 (6 reviews) | 7 weeks, under 14 | 14 days | Not confirmed |
| Petsecure | 1.9/5 (31 reviews) | No age limit; cats over 10 need an exam and bloodwork | 14 days | Allowance in every plan; 6-month dental waiting period |
| Pets Plus Us | 1.6/5 (186 reviews) | No upper age limit stated | 14 days | Excluded from Accident & Illness |
Trustpilot figures are from each provider's Trustpilot page. All other details are from provider websites in October 2026, and we only list what each provider publishes.
What Cat Insurance Covers
Based on the providers' own pages:
- Accidents and illnesses. Spot offers Accident & Illness and Accident Only plans, with an optional preventive-care plan. Pets Plus Us offers Accident & Illness coverage with annual limits of $7,500 or $15,000.
- Hereditary and breed conditions. Fetch, Trupanion, Furkin and Pets Plus Us cover hereditary conditions (as long as they aren't pre-existing), and Spot lists hereditary conditions among its covered items for cats.
- Behavioural issues. Fetch advertises up to $1,000 a year for conditions such as urine marking, aggression and anxiety.
- Not covered by the base plans: routine care such as vaccines, and spay or neuter surgery, unless you buy a preventive add-on where one is offered.
Spay and neuter
| Provider | Covered? |
|---|---|
| Fetch | Only with the optional preventive add-on |
| Spot | Only with the optional preventive add-on (levels 2, 3 and 4) |
| Trupanion | No |
| Furkin | Not on the base plan; Furkin says a wellness add-on is planned |
| Petsecure | No |
| Pets Plus Us | No (reproductive health is excluded) |
Common Cat Health Problems
These are the conditions that matter most when you compare cat plans. The numbers below are from Cornell University's Feline Health Center.
- Dental disease. Cornell reports studies showing that between 50 and 90% of cats older than four suffer from some form of dental disease.
- Chronic kidney disease. Cornell calls it one of the most prevalent diseases in older cats, affecting up to 40% of cats over 10 and 80% of cats over 15. It says the only known risk factor is age.
- Urinary tract problems. Cornell says surveys suggest lower urinary tract disease is the number one reason cats visit veterinary practices, and that a urethral obstruction is an absolute emergency.
- Hyperthyroidism. Cornell calls it a common disease that mostly afflicts middle-aged and older cats.
Pets Plus Us lists kidney disease, respiratory problems, bladder inflammation and urinary tract infections, foreign body obstructions and hyperthyroidism as common cat claims, citing 2022 PTZ Insurance claims data.
What this means for choosing a plan
- Dental: if you want dental disease covered, check the dental wording closely. Plans range from full coverage to none, and some, such as Trupanion, exclude problems caused by missed cleanings.
- Kidney, thyroid and urinary conditions: these usually appear in older cats, and any signs before coverage starts count as pre-existing. Trupanion says kidney disease, thyroid issues and diabetes stay covered for life once enrolled. We could not verify cat-specific wording for urinary, kidney or thyroid conditions on the other providers' pages, so read each provider's policy document.
Indoor Cats
It's tempting to assume an indoor cat doesn't need insurance. The providers disagree: Trupanion says indoor cats still get sick and have hereditary and breed conditions, and Pets Plus Us says indoor cats can be more prone to ingesting household poisons and foreign material such as rubber bands, dental floss and ribbons. Cornell lists indoor litter box use and restricted outdoor access among the traits seen in cats with lower urinary tract disease.
These are the views of sellers, apart from Cornell. We didn't find an independent source that measures how much less likely indoor cats are to need vet care.
Waiting Periods and Pre-existing Conditions
Every provider excludes pre-existing conditions. Details by provider:
| Provider | Accidents | Illnesses | Other |
|---|---|---|---|
| Fetch | None | Up to 15 days | |
| Furkin | 48 hours | 14 days | 180 days for cruciate conditions |
| Petsecure | 48 hours | 14 days | 6 months for cruciate, IVDD and dental |
| Pets Plus Us | 48 hours | 14 days | |
| Spot | Not published | Not published | Named illnesses covered from day 3 |
| Trupanion | Not confirmed for Canada | Not confirmed for Canada |
Trupanion's Canadian FAQ defines a pre-existing condition as any illness, condition or injury with signs or evidence of it existing within the 18 months before the policy's effective date or applicable waiting periods. It adds that a pre-existing condition doesn't affect coverage for unrelated issues that develop later.
Cost
None of the six providers publishes cat price quotes, because prices depend on breed, age, location and plan. What we can say:
- Fetch says its average cat plan is $21 a month, and that this varies with age, breed and location.
- Fetch quotes NAPHIA as putting the average cost to insure a cat in Canada at $601 in 2025. This is a national average quoted by Fetch, not a price you should expect.
- Petsecure says its premiums are calculated from the species, breed and your postal code, and not from age, gender or neuter status.
The best way to find out is to quote the same cat with two or three providers.
Multi-cat households
| Provider | Multi-pet discount |
|---|---|
| Trupanion | None |
| Furkin | Automatic 5% |
| Spot | 5% for 2 pets, 10% for 3 or more |
| Petsecure | 10% for 3 or more, 15% for 6 or more |
| Pets Plus Us | 10% for 3 or more, 15% for 5 or more |
| Fetch | Not confirmed for Canada |
Is Cat Insurance Worth It?
There isn't a neutral, independent source that settles this, so here is how we'd think about it:
- Enroll early. Every provider excludes pre-existing conditions, so a young, healthy cat gets the fewest exclusions. Fetch itself says insurance is probably not the best choice for older cats.
- Consider what you could pay out of pocket. The value of insurance is protection against a large bill you couldn't comfortably afford, not savings on routine care.
- Know what isn't covered. Vaccines, spay or neuter surgery and routine care are excluded from the base plans in most cases.
- Compare reimbursement, deductible and annual limit together. A low monthly premium with a low annual limit or a high deductible may not protect you much.
Which Provider Is Right for Your Cat?
- A kitten or young cat: Fetch, Spot or Trupanion are the three highest-rated with meaningful review counts. Compare them side by side with our Fetch vs Trupanion and Spot vs Fetch pages.
- An older cat: check the age limits above. Fetch and Petsecure state no upper limit, but Petsecure requires an exam and bloodwork for cats over 10, and Fetch itself advises that insurance is probably not the best fit for older cats.
- A cat with dental problems: look at Fetch or Petsecure's dental terms. Spot and Pets Plus Us don't offer dental coverage on most plans.
- Several cats: look at the multi-pet discounts above. Trupanion offers none.
Prefer a broader view? See our best pet insurance in Canada rankings, or read what pet insurance covers.
We may earn a commission if you buy through links on this site. This does not affect our ratings, which are based on public Trustpilot reviews. Information was gathered from provider and Cornell Feline Health Center websites and a CAHI press release dated September 2022, and was collected in October 2026. Details can change, so confirm them with the provider before buying.