Best Pet Insurance in Canada 2026 - Ranked by Real Reviews
We ranked all 6 Canadian insurers by nearly 20,000 Trustpilot reviews. Fetch & Spot tie at 4.6/5 stars. Compare coverage, pricing & claims.
Top Rated Pet Insurance Companies
Compare the best providers in Canada
Fetch
- Reimburses 70%, 80% or 90% of approved accident and illness claims after the annual deductible
- No waiting period for accident coverage; 15-day waiting period for illness coverage
- Covers sick-visit exam fees, dental injury and disease, and hereditary and congenital conditions
Spot
- Accident and illness coverage with annual benefit limits and no lifetime reimbursement cap
- Reimbursement ranges from 70% to 90% based on the pet's age at enrollment and renewal
- Covers hereditary and congenital conditions
Trupanion
- Up to 90% coverage with no annual or lifetime payout limits
- Pays veterinarians directly at checkout
- Covers hereditary and congenital conditions
How Pet Insurance Works
Choose a Plan
Compare providers and select coverage that fits your pet's needs and your budget
Visit Any Vet
Take your pet to any licensed veterinarian in Canada - no network restrictions
Get Reimbursed
Submit your claim online and receive reimbursement for covered veterinary expenses
Compare Providers Side-by-Side
Not sure which provider is right for you? See detailed comparisons of coverage, pricing, ratings, and features to make an informed decision.
- Compare ratings from thousands of real reviews
- See coverage differences at a glance
- Find the best value for your pet
Expert Guides & Reviews
Everything you need to know about pet insurance in Canada
Best Pet Insurance in Canada 2026
Compare all 6 major providers ranked by real customer reviews. Find the perfect coverage for your pet in minutes.
Read Full ComparisonHow to Choose Pet Insurance
New to pet insurance? Learn what to look for, common pitfalls to avoid, and how to get the best value.
Start LearningPets Plus Us Review 2026
Honest review of Pets Plus Us: pricing, coverage, customer experiences, and comparison to top competitors.
Read ReviewReady to Protect Your Pet?
Compare quotes from Canada's top pet insurance providers in minutes
View All Companies