Compare pet insurance plans in Canada

Secure 2 gives each accident its own limit and renews the illness limit for each condition every policy year. Two unrelated illnesses can therefore draw on separate limits.

Confirmed areas · Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Québec, Saskatchewan

Payout limit

$2,500 per accident and $2,500 per illness condition per policy year. Source

Deductible

One annual deductible across eligible claims. The amount rises at specified age bands. Source

Reimbursement

Normally 80% of eligible costs before the deductible. A claims review can increase the owner’s share on future claims. Source

Waiting periods

48 hours for accidents and 14 days for illness. Dental care, cruciate ligaments and intervertebral disc disease generally have six-month waits. Source

Prior conditions

Signs before coverage or during the waiting period can lead to an exclusion. Check your pet’s individual coverage summary. Source

Dental care

Up to $300 per policy year for eligible dental care, including qualifying preventive or treatment costs. Source

Exam fees and taxes

Eligible consultation charges and their taxes count toward the insured expenses. Source

Payment at the clinic

Pay the clinic, then submit its itemized invoice and claim form to Petsecure. Source

Other exclusions

Secure 2 has no general wellness allowance. Read the dental benefit separately from routine preventive care. Source

Which conditions share a limit, and what deductible will apply at my pet’s next birthday?

Underwriter · Petline Insurance Company

Petsecure policy wording 2025-02 · sections III–VIII

• Canadian policy wording, sections III–VIII (PDF)
• French policy wording
• Secure 2 benefit schedule
• Provinces named by Petsecure (French)
• Québec eligibility and plan choices

Get a quote from Petsecure

Owners select an annual pool and reimbursement rate. If the same pet has two unrelated claims, they both use the same annual pool. The deductible is shared across eligible claims that year.

Confirmed areas · Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Québec, Saskatchewan, Yukon

Payout limit

$7,500 or $15,000 per policy year, shared across eligible accidents and illnesses. Source

Deductible

Annual. The available amounts depend on species and age. The deductible comes off after the owner’s percentage. Source

Reimbursement

Choose 70%, 80% or 90% of eligible veterinary bills before the deductible. Source

Waiting periods

48 hours for accidents and 14 days for illnesses. Confirm the effective dates on the coverage summary. Source

Prior conditions

A condition showing signs before enrolment or during a waiting period can be excluded even without a diagnosis. Source

Dental care

The accident and illness guide excludes dental disease, orthodontic treatment and scaling. Source

Exam fees and taxes

Examinations for a covered condition fall within the definition of treatment. Eligible bills include applicable taxes. Source

Payment at the clinic

Usually pay the clinic and claim reimbursement. Ask about a pre-approved direct payment before treatment. Source

Other exclusions

Routine preventive care, reproductive care and experimental treatments are excluded from this plan. Source

If two claims fall in the same year, how much of the annual limit would remain after the first?

Underwriter · Northbridge General Insurance Corporation

Accident & Illness User Guide · November 2025 · sections 2, 4, 5 and 8

• Accident & Illness User Guide, November 2025 (PDF)
• French policy guide, November 2025 (PDF)
• Canadian Accident & Illness benefits
• Québec terms and national availability
• Québec product summary in French
• Claims and direct-payment terms

Get a quote from Pets Plus Us

The deductible follows the condition across eligible visits. Ask how the insurer would group repeat symptoms. A separate condition may start another deductible, even in the same year.

Confirmed areas · Alberta, British Columbia, Manitoba, Ontario, Québec

Payout limit

No annual or lifetime payout cap for eligible treatment. Exclusions and eligibility rules still apply. Source

Deductible

The Canadian sample uses a lifetime deductible per condition. Confirm the deductible option in the quote. Source

Reimbursement

Up to 90% of eligible treatment costs. Confirm your percentage and remaining deductible. Source

Waiting periods

The sample sets five days for injuries and 30 days for illnesses. Check any endorsement on your policy. Source

Prior conditions

Symptoms or treatment before enrolment or during the waiting period matter. The sample has additional condition-specific exclusions. Source

Dental care

Eligible dental illness and injury can qualify. Annual dental exams and recommended care matter. Routine cleaning is excluded. Source

Exam fees and taxes

Exam charges and taxes are excluded. Subtract them before comparing reimbursements. Source

Payment at the clinic

Participating clinics may receive eligible payment directly. Ask the specific clinic before relying on this at checkout. Source

Other exclusions

Routine preventive care and elective procedures are excluded. Some additional benefits require a rider. Source

Would a second episode count as the same condition, and can my clinic accept direct payment?

Underwriter · GPIC Insurance Company or Accelerant Insurance Company of Canada. Check the declarations.

TRU (D) 00001 · V11.201902 · Canadian sample · sections 1, 5–7 and 9

• Canadian sample, sections 1, 5–7 and 9 (PDF)
• French sample policy access
• Canadian limits and payment features
• Insurer’s province directory
• Québec consumer disclosure in French

Get a quote from Trupanion

The annual limit, reimbursement rate and deductible work together. Ask how the October 2026 Canadian sample distinguishes an unexpected injury from an injury during normal activity.

Confirmed areas · Alberta, British Columbia, Manitoba, Newfoundland and Labrador, Nova Scotia, Northwest Territories, Ontario, Prince Edward Island, Saskatchewan, Yukon

Payout limit

The declarations state the selected annual limit. Some benefits also have their own sublimit. Source

Deductible

One deductible per policy period. The Canadian sample subtracts it after the owner’s percentage. Source

Reimbursement

Choose 70%, 80% or 90% of eligible charges before applying the deductible and remaining limit. Source

Waiting periods

The October 2026 sample has no wait for unexpected accidents. Illness and normal-activity injuries have a 15-day wait. Separate orthopaedic rules apply. Source

Prior conditions

Pre-existing signs can exclude a condition. Certain curable problems may be reconsidered after a symptom-free interval and an exam, subject to the wording. Source

Dental care

Eligible dental illness can be covered. Earlier signs of oral disease and routine preventive care affect eligibility. Source

Exam fees and taxes

Medically necessary exams for covered conditions qualify. Confirm how tax on your invoice will be handled. Source

Payment at the clinic

Pay the veterinarian and submit the invoice and records to Fetch for reimbursement. Source

Other exclusions

Routine preventive services and prescription food are excluded from the sample accident and illness coverage. Source

What counts as an accident under my policy version, and what should my vet record about my pet’s knees?

Underwriter · AXIS Reinsurance Company (Canadian Branch)

GPTM 050 CN 1026 A · Canada · sections I, III–VII

• Canadian sample wording, GPTM 050 CN 1026 A (PDF)
• Canadian policy selector
• Reimbursement options and claims
• Fetch Canadian availability

Get a quote from Fetch