Petplan Canada Pet Insurance Review

Rating: 9.5 / 10 (Excellent)
17 Customer Comments & Reviews - see all comments
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Petplan is a leading provider of pet insurance in Canada and is a company dedicated to helping pet owners keep the costs of pet treatments under control. Petplan's standard plan covers new illnesses and accidents without restrictions for hereditary or congenital conditions. The company also provides a wide range of treatment options that would typically not be available in other companies' standard offers. Medications, diagnostic testing, non-preventative dental treatments, MRI, CAT Scan and ultrasound are all offered as standard as well. What's more, Petplan does not place any restrictions on older animals. Senior citizen pets have access to the same coverage limits and deductibles as younger ones.

PetPlan has over 40 years of experience covering pets worldwide and is a great choice for your furry companion at every stage of their life. 

Special Offer:  10% off online + a free BarkBox when you choose Petplan

Petplan Canada Snapshot:

Petplan offers a fully customizable plan with annual limits of $2,500 to UNLIMITED. There are no lifetime or per-condition limits, and no age limits after your pet turns 6 weeks. You are also able to choose to apply your deductible on an annual or per-condition basis. Other notable features of Petplan plans include:

  • You can use any vet in the US or Canada
  • 70%, 80%, and 90% reimbursement options that are based on the veterinarian's actual bill.
  • Covers medications, advanced testing and hospital stays.
  • Non-routine exam fees are covered, this includes emergency and specialist hospitals.
  • Medications and advanced testing
  • Most comprehensive coverage of dental injury and treatment of periodontal disease for all teeth.
  • AARP exclusive pet insurance provider.
  • Free PetHub Lost & Found tag.
  •  24/7 "Fetch-a-Vet" helpline via PetCoach

Plan details

Type of contract

12 Months

Claim limit

Maximum annual payout $2,500 to UNLIMITED coverage


$100 to $1,000

Claims and policy price

NO increase in premiums due to claims made

Enrollment age

6 weeks and up

Waiting period

Injuries: 5 days

Illnesses: 15 days

Out of country coverage

US & Canada only

Age limit


Age Caveat

Pets six (6) years or older at the time of initial enrollment will be required to have a veterinary exam within thirty (30) days of the policy inception date.

Further Details:

Petplan policies reimburse you on the actual amount of each veterinary bill minus the deductible and up to the chosen policy limit. Deductibles reset each year when the plan is renewed and can be applied on an annual or per-condition basis. Petplan is licensed in all provinces in Canada with the exception of Quebec, and is underwritten by XL Specialty, an international insurance carrier with an extensive global presence and a S&P rating of A+.

Coverage Details



Dogs and Cats


Accidents and Injuries




Non-routine vet exams, including ER and specialists


MRI, ultrasound, CT Scans


Diagnostic Treatment


Prescriptions & Nutraceuticals


Dental (injuries and periodontal disease)






Acupuncture, stem cell, hydrotherapy, holistic treatments


ANCILLARY COVERAGE (plans w/annual coverage of $15,000 or more)


Behavioral Conditions


Lost pet advertising and reward


Boarding fees


Loss due to theft or straying


Death from covered illness/injury


Vacation cancellation


What’s not covered?

  • Pre-existing conditions when clinical signs were showing prior to the effective date of during the waiting period.
  • Routine Care
  • Vaccines
  • Pregnancy - Limited Coverage


10% Medical Assistance Pet
10% Active or Retired Military Personnel
5% Online


Petplan provides a good mix of coverage and benefit options that makes it a solid choice if you are looking for pet insurance in Canada. The company also features a number of discount options that can help pet owners make pet insurance more affordable. Petplan pretty much covers all the standard items you'd be looking for in a pet insurance provider and more. The fact that older animals are not discriminated against is a big plus, and 24/7 support, comprehensive coverage including payment of the veterinary exam fees, and great customer service are all nothing to sneeze at as well.

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17 Customer Comments & Reviews

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Sebastian M
Seattle, Washington
One of the worst insurance companies I ever had to deal with! My Frenchie had a skin allergy and the vet recommended that he will need blood work. They look back at the records and told me I will not be paid due to skin problems with the eyes :))).

Alisha A
Calgary, Alberta
They use to be an amazing company, once the changes happened last year things went crazy bad, i now pay double what I was paying 4 years ago when I signed up. It takes over a month to get any money back if they will even qualify it. my deductible has doubled as well. In order to even have any help you legit need to buy in bulk so you will get even very little compensation. Your seriously better off dependent on the age and how much your paying at the beginning, and putting it into a savings account. The hike in rates yearly is outrageous. My health plan even my vehicle insurance is not near as bad as these guys.

Linda D
Toronto, Ontario
Very surprised st renewal insurance for my 3 year old Labrador retriever increased by 106.00

Carlos A
Toronto, Ontario
Increase my rate after one year .... just sent me a letter informing and done !!! Disrespectful !!!

Toronto, Ontario
Petplan starts out great, then increases your rates. Had this happen a decade ago with a letter saying we were 'randomly selected due to breed' for a rate hike (after we had 3 claims in one year). Tried them again last year and received a letter at the end of the year saying that they have sold out to a new company and rates are going way up. Cancelled and went with Desjardins instead.

Vancouver, British Columbia
Got insurance for my 6 month old dog, Dog required a few stitches. Claim and service was fairly good reimbursement was good. Following year they increased my rate for a very minor incident.

Cathy S
Chesterville, Ontario
My oh my I just did some math and it is scary. My pets insurance starts at around 50.00 per month (unlimited coverage, 1000 deductible annual and 90% reimbursement). I have 3 dogs, two are 6 months old and the other 18 months old. By the time they reach 12 yrs of age the premium based on today's rates is close to 300.00 per month per dog. I have owned German Shepherds for over 20 years and to date have not had anything go wrong other than routine things until about the age of 7 and often not till around 9 or 10 years of age. When I calculate all the insurance premiums I would be paying over the years I am further ahead to self insure. Yes I realize I could be behind the 8 ball is... Read More

Mike P
Toronto, Ontario
Owesome so far You only pay your deductible once per year not every incident Only thing they send you a cheque it's not reimbursed right away to your account.... oh well no biggie Owesome customer service and easy claims process so far

Suman S
Scarborough, Ontario
They are in usa not in Canada, if your pet had an ear infection prior to the insurance taken from them, they will not cover if it occurs for 30 months from the day insurance taken... all their communication are from usa in regular mail with no tracking system.. so if there was any you expect, it will reach many months later... better take an insurance which has office in your country

Mandy S
Etobicoke, Ontario
With the new underwriter and policy coming into effect my rates have increased 52% for the same coverage I currently have. The information I got in the mail regarding the new policy also tried to upsell me by suggesting I increase my coverage. If I don't call or go online to change this it will automatically become the new policy and they will begin to bill me for the additional coverage. This company charges a deductible per condition and not per year as many other insurance companies do. Currently my pet has no claims and no preexisting conditions so I am looking at other alternatives.

Top Rated
Our Partner
9.5 / 10
  • Most Comprehensive Coverage (includes vet exam fee!)
  • Flexible annual reimbursement up to UNLIMITED
  • Choose Annual Deductible from $100-$1,000
  • No additional fees (riders) for alternative therapies
  • Use any veterinarian in Canada or the US.
  • 24/7 Customer Service - Fast Claim Reimbursement
  • 10% Online Discount & Free Barkbox Offer