Compare lifetime cover (annual limits that reset each year) versus per-condition limits — once a condition is diagnosed, it becomes pre-existing and may be excluded on renewal under non-lifetime policies.
Compare the top 18 Canadian pet insurance providers, with premiums from C$24 /month. Data current as of 23 October 2026 and updated daily from the Giraffy database.
20 live offers compared from 18 providers, from C$24 /month. Updated daily.
C$24 /month
Belairdirect Pet Insurance CA from Belairdirect. Monthly Premium: From CAD 24/month; Cover Amount: Up to CAD 12K/year; Excess: CAD 100; Key Feature: Online insurer.
C$25 /month
Economical Pet Insurance CA from Economical Insurance. Monthly Premium: From CAD 25/month; Cover Amount: Up to CAD 12K/year; Excess: CAD 100; Key Feature: Broker channel.
C$25 /month
Desjardins Pet Insurance CA from Desjardins. Monthly Premium: From CAD 25/month; Cover Amount: Up to CAD 15K/year; Excess: CAD 100; Key Feature: Quebec group.
C$25 /month
Sonnet Pet Insurance CA is a pet insurance offer from Sonnet Insurance in Canada. Key details — Monthly Premium: From CAD 25/month; Cover Amount: Up to CAD 12K/year; Excess: CAD 100; Key Feature: Digital insurer.
C$26 /month
C$26 /month
Wawanesa Pet Insurance CA is a pet insurance offer from Wawanesa Insurance in Canada. Key details — Monthly Premium: From CAD 26/month; Cover Amount: Up to CAD 12K/year; Excess: CAD 100; Key Feature: Western CA.
C$27 /month
C$27 /month
C$27 /month
C$28 /month
C$28 /month
C$29 /month
C$29 /month
C$30 /month
C$30 /month
C$38 /month
C$40 /month
C$45 /month
C$50 /month
C$60 /month
Pet insurance reimburses a share of veterinary bills when your dog or cat is sick or injured. With no public system for animal health and vet costs rising steadily, a single emergency — a swallowed object, a torn ligament, cancer treatment — can run into thousands of dollars, which is what pet insurance is designed to cushion.
Policies typically cover accidents and illnesses, reimbursing 70% to 90% of eligible vet bills after a deductible, up to an annual limit. Some add wellness options for routine care like vaccinations and dental cleaning.
You pay the vet directly, then submit the claim for reimbursement — vets in Canada do not usually bill the insurer. Plans differ on reimbursement percentage, deductible (annual or per-condition), annual payout limit and what they exclude. The universal catch is pre-existing conditions: anything your pet showed signs of before coverage started is excluded, which is why insuring young, healthy pets is far cheaper and broader.
Premiums rise with the pet's age and vary by breed, since some breeds are prone to costly hereditary conditions.
Bill protection — covers the bulk of unexpected accident and illness costs.
Freedom to treat — lets you approve recommended care without cost being the deciding factor.
Choice of vet — reimbursement-based, so you can use any licensed veterinarian.
Optional wellness — add-ons cover routine vaccinations, dental and check-ups.
Insure early, before conditions arise, to avoid pre-existing exclusions and lock in lower premiums. Compare the reimbursement percentage, deductible structure and annual limit together — a cheap premium with a low cap may not cover a major illness. Check how the insurer handles chronic conditions year to year, and whether hereditary and dental issues are included, especially for breed-prone dogs.
Trupanion Canada is known for its no-payout-limit model and, at participating clinics, direct-to-vet payment. Petsecure is a long-established Canadian brand, Pets Plus Us offers tiered accident and illness plans, and PC Financial (through its partner underwriter) provides accessible coverage. Intact, Desjardins, TD and Co-operators also offer pet policies, often bundled with home or auto.
Monthly premiums commonly range from about C$24 for basic cat or young-dog coverage up to C$60 or more for comprehensive dog plans with high limits and low deductibles; some senior or large-breed dogs cost more still. The reimbursement percentage, deductible and annual limit you choose are the main drivers, and premiums generally increase as the pet ages.
Pet insurance is a property-and-casualty product, so insurers are solvency-regulated federally by OSFI and licensed by provincial regulators such as FSRA and the AMF. As with other P&C insurance, insurer insolvency is backstopped by PACICC. Because coverage terms vary widely, reading the exclusions — particularly the pre-existing-condition and waiting-period clauses — is the key protection for buyers.
Are pre-existing conditions covered? — No; anything present before the policy started is excluded, which is why early enrolment matters.
Do I pay the vet or the insurer? — You usually pay the vet and claim reimbursement, though some insurers offer direct payment at participating clinics.
Does it cover routine care? — Only if you add a wellness option; core plans cover accidents and illness.
The cheapest Pet Insurance in Canada is C$24 /month from Belairdirect.
The lowest tracked price on Giraffy is C$24 /month across 20 live offers. Compare all plans sorted by price.
Giraffy tracks 18 pet insurance companies in Canada.
Offer data is refreshed daily from the Giraffy database. Each compare page shows when data was last checked.
No. Giraffy does not sell ranking placement. Results reflect your filters and sort order — default is lowest price.