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Comparing the Best Dog Health Insurance Companies: Pros and Cons

Updated: May 3, 2023

As pet owners, we all want to provide the best possible care for our furry friends. However, unforeseen accidents or illnesses can result in unexpected and significant veterinary bills. This is where dog health insurance can come in handy. With the variety of plans and options available in Canada, choosing the right insurance policy for your dog can be overwhelming. In this article, we've compiled a list of some of the top dog insurance companies in Canada and their pros and cons. Keep in mind that this article is intended as a general guide only and you should still do your own research and speak with a company representative to make an informed decision.

Dogs make up almost 80% of insured pets in Canada. They're part of the family, and therefore, you ought to provide them with the care and attention they deserve.

Health insurance for dogs enables you to prevent major expenses from future medical treatments. In other words, it'll help you financially if your doggy gets sick or injured.

The good thing is there are a ton of options when you're a first-timer in buying dog health insurance in Canada. But that could also be a bad thing because you may end up with the wrong insurance plan. So, before you start looking at the different options, you must learn how this works.

How dog health insurance works

Like most other types of insurance, you pay a monthly premium to your insurance company. Whichever plan you choose, it'll cover the costs of ongoing medical treatments. These may include preventive care, emergency expenses, hospitalization, diagnostic testing, and surgery.

You'll have the option to select different coverage limits depending on what you think is reasonable for your doggy's age and breed. Then, you pay a deductible for each treatment distinct from your chosen plan. You can also opt for higher coverage limits and lower deductibles if your pooch is older and you suspect that he may suffer from some pre-existing health conditions.

Is it really important?

Ensuring your pet's health is a top priority, which is why it's important to consider dog insurance plans in Canada and compare them to find the best fit for your needs and budget.

While it may not be the best option for every dog, investing in a dog health insurance plan can provide peace of mind in the event of major expenses like surgeries or long-term care. Without insurance, these costs can be financially draining for your family.

Ultimately though, the decision is yours, and many factors should be taken into consideration, such as your lifestyle, the breed of dog, and what works for you.

Not all plans work for everyone

There are many aspects that you need to consider when purchasing a suitable dog health insurance plan.

Sometimes, the best-planned coverage may not work for your pet because of breed or age. For instance, some breeds are more prone to hereditary problems.

You need to adjust not only the coverage limits, but also the monthly premiums. On top of that, there may be other charges like co-insurance and co-pays. What's more, your dog's age is another crucial factor in selecting a plan that'll work best for them.

Dog insurance options

From full coverage to budget-friendly options, we believe these are the top dog health insurance plans in Canada:

PetPlan Canada, now called fetch by The Dodo

This plan is one of the most complete when it comes to coverage. Your pet will be guaranteed full reimbursement if he or she needs treatment for hereditary and congenital conditions, cancer, chronic renal failure or digestive problems.

Pet Plan Canada offers up to 90% reimbursement for your senior dog seven years or more of age. With over four decades in existence, you're confident that the money you put in will be worth it.


  • You get to choose the plan that best suits your preference

  • You have the option to pay monthly or for a full term


  • The rates may be expensive for new pet owners

  • Older pets are required to undergo veterinary screenings


This insurance plan represents convenience as it offers a direct vet pay option. The rates are also flexible because there's a low-cost option for new pet owners. The coverage limits will depend on how long you want to pay, but it all comes down to 90% coverage.


  • Guarantees full reimbursement for hereditary conditions, cancer, chronic renal failure or digestive problems

  • The deductible is "per condition" basis

  • No lifetime cap on accidents


  • No preventative treatment coverage

  • No customization or add-ons for a single plan

Petsecure Secure 4 Plan

This option rightfully belongs on this list because of its built-in preventative care. This plan will automatically cover the costs of over 100 wellness plans, including Fecal, Heartworm and Cancer Screening tests. That alone makes it ideal for pet owners who focus on preventive rather than emergency treatments.

Petsecure also offers a benefit limit of up to $20,000 for emergency treatments that require surgery. It's important to understand that this amount will only be reimbursed if your pet is diagnosed with a pre-existing condition after signing up.


  • Offers customizable plans to fit the specific needs, depending on breed, age, and lifestyle of each pet.

  • Flexible coverage limits from $2,500 to $20,000

  • Built-in preventative care


  • A rather expensive option compared to other plans on this list

  • It doesn't include hereditary conditions

Pets Plus Us

Pets Plus Us takes pride as the best available option for dog owners in Canada who want accident-only coverage. That means you will not be reimbursed for hereditary conditions, cancer or chronic renal failure. However, accidents are guaranteed to be covered whether it's what your pet ate or if he somehow accidentally ingested medications.

But note that the company also offers a combination of accident and illness, but you expect to pay more for it.

Pet owners must also understand that the coverage limits only apply to accidents that occur during "covered out-of-pocket expenses." That is why it's mandatory to acquire a low-cost plan before raising the limits.


  • The best dog insurance for senior dogs seven years or above

  • Coverage limits are flexible

  • Offers a monthly discount if you are a Costco or BCAA member


  • Slow reimbursement

PC Pet Insurance

PC Pet Insurance is a Canadian pet insurance provider that offers coverage for cats and dogs. Their plans offer customizable coverage options that can be tailored to meet your pet's individual needs. They also offer a 24/7 helpline for pet owners who need assistance with their pet's health.


  • Affordable premiums

  • covers dental care

  • offers a variety of plans with different levels of coverage

  • covers prescription medications.


  • May have limits on coverage for certain conditions or treatments

  • May have a waiting period before coverage begins

  • May not cover pre-existing conditions.

Factors That Affect the Cost of Dog Insurance Plans

Now that you know the top options for dog health insurance plans in Canada, the next step is to determine how much it'll cost you. To do that, you must weigh in a handful of factors:

Age - Senior dogs are likely to suffer chronic renal failure, leading to expensive treatments. This is why it's best to consider life insurance plans that will help you pay for expensive procedures. The same thing applies if your dog has any hereditary conditions.

Breed - Some dog breeds are more prone to chronic health problems than others. Be sure you know your dog's vulnerabilities when getting pet insurance.

Coverage Limits - Is it better to pay for a plan that features higher coverage limits? Or will you be satisfied with affordable rates knowing that your dog is covered at around 70%? This depends on how much you're willing to shell out every month.


These options will provide you with good value for your money. It's only a matter of finding the one that will address your dog's health needs and budget. Consider comparing plans from various providers to avoid overpaying and wasting time. There's no one-size-fits-all option, so it's best to be open-minded.

Please note that the information provided in this article is for general informational purposes only and should not be construed as expert advice. The insurance plans and policies discussed here may have changed since the publication of this article. It is important to do your own research, check the individual websites, and speak with a company representative before making any decisions about dog health insurance. This article is not intended to be used as the sole basis for making a decision about dog health insurance.

More about GoDoggo:

GoDoggo is your ultimate dog-friendly city guide. With 18 different categories ranging from restaurants, coffee shops, breweries to shopping, attractions, gyms, hikes and trails, the app helps dog owners discover and explore places based on their location, read and leave reviews from the perspective of dog owners, and learn more about the dog-friendliness of each location. Soon, the app will also have dog-friendly events. Download the app here.


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