Terms of Service

Last Updated: August 26, 2026

Acceptance of Terms

Welcome to PetInsuranceGuide.ca ("we," "us," or "our"), operated by PET GUIDE MEDIA.

By accessing or using our website, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website.

We may update these terms from time to time. We will post the revised terms on this page and update the Last Updated date. Your continued use of the website after an update means the revised terms will apply to your subsequent use, subject to applicable law.

Use of Website

Permitted Use

You may use our website for lawful purposes only, including:

  • Researching pet insurance options
  • Reading reviews and comparisons
  • Accessing information about insurance providers

Prohibited Use

You agree not to:

  • Use the website for any illegal purpose
  • Attempt to gain unauthorized access to our systems
  • Copy, reproduce, or distribute our content without permission
  • Use automated systems (bots, scrapers) to access the website without our consent
  • Interfere with the proper functioning of the website
  • Transmit viruses, malware, or other harmful code
  • Impersonate any person or entity

Affiliate Relationships and Commissions

Important Disclosure: PetInsuranceGuide.ca participates in affiliate marketing programs. When you click on certain links on our website and purchase pet insurance, we may earn a commission at no additional cost to you.

Key Points:

  • Affiliate commissions help us maintain and improve our free service
  • Affiliate relationships do not determine the ratings or factual information we publish
  • We never recommend a company solely based on commission rates
  • Customer-review ratings displayed on our site may be sourced from Trustpilot
  • You are never obligated to purchase through our affiliate links

Accuracy of Information

We strive to provide accurate, up-to-date information about pet insurance providers. However:

  • Insurance pricing, coverage, and terms can change without notice
  • Information may become outdated between our updates
  • Trustpilot ratings reflect customer opinions and may vary over time
  • Although we take reasonable steps to review our content, we cannot guarantee that all information is complete, accurate, or current

Recommendation: Always verify current pricing, coverage, and terms directly with the insurance provider before making a purchase decision.

Not Financial or Legal Advice

The information on PetInsuranceGuide.ca is for general informational purposes only. It does not constitute:

  • Financial advice
  • Insurance advice
  • Legal advice
  • Veterinary advice

For advice specific to your circumstances, consider consulting an appropriately licensed insurance professional, financial advisor, veterinarian, or legal professional, as applicable.

Third-Party Websites

Our website contains links to third-party websites (including insurance provider websites). We do not control these external sites and are not responsible for:

  • The content on third-party websites
  • Privacy practices of external sites
  • Products or services offered by third parties
  • Transactions between you and third-party providers

Your interactions with third-party websites are governed by their own terms and policies.

Intellectual Property

All content on PetInsuranceGuide.ca, including text, graphics, logos, images, and software, is our property or the property of our licensors and is protected by copyright and trademark laws.

Except as permitted by applicable law or expressly allowed below, you may not copy, reproduce, distribute, or create derivative works from our content without our written permission.

Exceptions:

  • Sharing links to our content on social media
  • Quoting brief excerpts with proper attribution for non-commercial purposes

User-Submitted Content

If you voluntarily submit content for publication or use on our website (such as feedback, a testimonial, or other material), you grant us a non-exclusive, royalty-free license to use, reproduce, and display that content for the purposes for which it was submitted. Ordinary private communications to us are handled in accordance with our Privacy Policy.

You represent that any content you submit:

  • Is accurate and truthful
  • Does not violate any laws
  • Does not infringe on third-party rights
  • Is not defamatory, offensive, or harmful

Disclaimer of Warranties

OUR WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We do not warrant that:

  • The website will be uninterrupted or error-free
  • Defects will be corrected
  • The website is free of viruses or harmful components
  • Information is accurate, complete, or current
  • Results obtained from using the website will be reliable

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE.

This includes, but is not limited to, damages for:

  • Loss of profits or revenue
  • Loss of data
  • Business interruption
  • Personal injury
  • Loss of privacy

To the maximum extent permitted by applicable law, our aggregate liability for claims arising directly from your use of the website will be limited to $100 CAD. Nothing in these Terms excludes or limits liability, rights, or remedies that cannot lawfully be excluded or limited.

Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless PetInsuranceGuide.ca and its owners, employees, and affiliates from third-party claims, damages, losses, or reasonable expenses arising from:

  • Your unlawful or unauthorized use of the website
  • Your violation of these Terms of Service
  • Your violation of any third-party rights
  • Any content you submit to the website

Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of Canada and the province of Ontario.

Subject to any rights or remedies that cannot be waived under applicable consumer-protection law, disputes arising from these terms or your use of the website will be subject to the jurisdiction of the courts of Ontario, Canada.

Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and PetInsuranceGuide.ca regarding your use of the website.

Contact Us

If you have any questions about these Terms of Service, please contact us: