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Best Pet Insurance Canada - April 2026

Cover anything from unexpected emergencies to routine check ups with the best pet insurance Canada. Get a personalized pet health insurance quote today and save thousands on costly vet bills.

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See Fetch's Official Site
🔥 Covers Up to 90% of Vet Bills
✓ Complete Sick Visits Covered, Exam Fees Included
✓ Customize Your Price to Fit Your Budget
✓ Rated 'Excellent' on Trustpilot with 4.5/5 Stars
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See Spot's Official Site
🐶 Up to 90% Cash Back on Vet Bills
✓ Plans for Cats & Dogs as Low as $9–$15/mo*
✓ Accidents, Illness & Preventive Care Plans
Fetch Pet Insurance Quote

How to Choose the Best Pet Insurance for Your Fur Baby

When comparing best pet insurance options, decide between accident-only or accident and illness coverage. As you review best pet insurance Canada plans, compare deductibles, reimbursement rates, annual limits, and waiting periods. If you’re exploring best pet insurance Ontario policies, confirm provider availability and provincial terms. The best pet insurance company will clearly explain exclusions, claims processes, and full policy details before you enroll.

 

Is Pet Insurance Worth It?

Pet insurance can help manage unexpected costs from accidents, surgeries, or chronic conditions. When asking What Is The Best Pet Insurance In Canada, many pet parents are weighing monthly premiums against potential reimbursement benefits. Reviewing coverage limits and sample claim scenarios can help you decide what fits your budget and risk tolerance.

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Fetch Pet Insurance Canada

About Fetch Pet Insurance

Fetch Pet Insurance offers customizable accident & illness coverage that can reimburse up to 90% of eligible vet bills, with optional wellness add-ons for routine care. Coverage includes exam fees, diagnostics, surgery, prescriptions, and broad dental coverage (injury and illness), and you can use any licensed vet in the U.S. or Canada. Fetch is the same provider formerly known as Petplan, and policies are administered by Fetch Insurance Services and underwritten by AXIS Insurance Company—adding a strong layer of credibility for pet parents seeking straightforward, comprehensive protection.

COVERAGE OVERVIEW
Plan Options
Fetch offers a customizable accident and illness plan with flexible deductibles, annual limits, and up to 90% reimbursement. An optional wellness add-on helps cover routine care expenses.
Coverage
Plans typically cover surgeries, hospitalization, diagnostics, prescription medications, exam fees, dental illness and injuries, and hereditary conditions (excluding pre-existing conditions).
Additional Benefits
Includes 24/7 virtual vet access and member perks such as prescription savings. Wellness coverage is available as an add-on.
Claims Process
Submit claims online or in the app. Reimbursements are issued based on your selected deductible and reimbursement rate.
Accepted Vets
Visit any licensed veterinarian in the U.S. or Canada—no networks required.
Virtual Vet Access
All plans include 24/7 telehealth support with licensed veterinary professionals.
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Plans for Cats & Dogs as low as $20-$35/month
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Spot Pet Insurance Canada

About Spot Pet Insurance

Spot Pet Insurance offers flexible plans for accidents, illnesses, and optional wellness care. Backed by Crum & Forster, it allows pet parents to customize coverage with adjustable limits, deductibles, and reimbursement rates. Spot also includes 24/7 telehealth access and coverage for exam fees, alternative therapies, and behavioral issues—making it a trusted option for comprehensive, easy-to-manage pet protection

COVERAGE OVERVIEW
Plan Options
Accident‑only, accident & illness, and optional wellness add‑ons for routine care.
Coverage
Covers accidents & illnesses with up to 90% reimbursement and customizable limits.
Additional Benefits
Includes exam fees, prescriptions, alternative therapies, dental, microchipping & behavior support.
Claims Process
Submit online or in-app; most claims processed in ~2 business days.
Accepted Vets
Use any licensed vet in the U.S. or Canada.
Virtual Vet Access
24/7 telehealth support included with every plan.
GET QUOTE
Pet Insurance Plans for Cats & Dogs as Low as $9-$15/mo*

Advertiser Disclaimers & Disclosures:

Fetch Pet Insurance:

This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods, limitations, exclusions to coverage and other terms and conditions vary by state and are subject to change without notice. Please see your policy for full terms and conditions of coverage. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT. For policies purchased in LA or NH, the installment fee is waived for the first payment and applied to all remaining payments.

Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01.01.2022 through 12.31.2022 and all available limit combinations. Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 10.12.2023.

Spot Pet Insurance:

Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms visit spotpet.com/sample-policy. Products, schedules, discounts, and rates may vary and are subject to change. 10% multi-pet discount is available on all pets after the first. More information available at checkout.