8 insurers, 19 terms each, every one checked against the insurer’s own pages and linked to the page it came from. Grey means we could not verify it; it does not mean the insurer lacks it.
Terms change. Check the insurer’s policy before buying. We show no prices here: premiums depend on your pet, age and postcode, and no insurer states one we could cite.
| Term | Desjardins Insurance (Desjardins Pet Insurance program) Checked 2026-10-25 Review | Fetch Pet Insurance Checked 2026-10-25 Review | Furkin Checked 2026-10-25 Review | Pets Plus Us Checked 2026-10-25 Review | Petsecure Checked 2026-10-25 Review | PHI Direct (Pet Health Insurance Direct) Checked 2026-10-25 Review | Sonnet Insurance (Sonnet Pet Insurance) Checked 2026-10-25 Review | Spot Pet Insurance Canada Checked 2026-10-25 Review |
|---|---|---|---|---|---|---|---|---|
| Underwriter | Petline Insurance Company (Compagnie d'assurance Petline) source | AXIS Reinsurance Company (Canadian Branch) source | GPIC Insurance Company (sold by Canada Pet Health Insurance Services, Inc. dba Furkin) source | Northbridge General Insurance Corporation source | Petline Insurance Company source | GPIC Insurance Company source | Petline Insurance Company (not Sonnet Insurance Company) source | Northbridge General Insurance Corporation source |
| Deductible type | annual source | Not verified | annual source | annual source | one fixed annual deductible per policy period, rising as the pet ages source | annual source | annual source | annual source |
| Deductible options | Dogs 0 to 4 years: $100, Dogs 5 to 9 years: $250, Dogs 10+ years: $350, Cats 0 to 4 years: $100, Cats 5 to 9 years: $150, Cats 10+ years: $200 source | Not verified | Three options (A/B/C). Dogs under 5: $100 / $300 / $750, Dogs 5 to 10: $300 / $500 / $950, Dogs over 10: $500 / $700 / $1,150, Cats under 5: $100 / $300 / $750, Cats 5 to 10: $200 / $400 / $850, Cats over 10: $300 / $500 / $950 source | Dogs: $100, $200 or $300 (ages 0-5); $300, $400 or $500 (ages 5-10), Cats: $100, $200 or $300 (ages 0-5); $200, $300 or $400 (ages 5-10) source | Not verified | $200 source | Not verified | Not verified |
| Reimbursement | Up to 80% headline; plan-specific percentages not stated source | up to 90% source | 80% of eligible costs (owner pays the other 20%) source | 70%, 80%, 90% source | starts at 80%; can drop to 70%, 60% or 50% after claims review source | 80% source | Up to 80% of the vet bill source | up to 90% back, depends on pet age at enrollment and renewal source |
| Annual limit | varies by plan: Bronze $2,000 per illness and $2,000 per accident per year; Silver $4,000 each; Gold unlimited illness and accident source | Not verified | $20,000 per year, less any deductible source | $7,500, $15,000 source | per condition and per accident: $1,000 (Secure 1), $2,500 (Secure 2), $5,000 (Secure 3), unlimited (Secure 4) source | $5,000, $10,000 source | Illness $2,500 per condition per year; accident $2,500 per accident; dental $300 per year; alternative therapy $350 per year; medical devices $350 per year source | Not verified |
| Waiting period: accidents | 48 hours source | none source | 48 hours source | 48 hours source | 48 hours source | 48 hours source | 48 hours source | Not verified |
| Waiting period: illness | 14 days source | up to 15 days source | 14 days source | 14 days source | 14 days source | 14 days source | 14 days source | Not verified |
| Waiting period: orthopedic | 6 months for cruciate ligament injuries and intervertebral disc disease source | Not verified | 180 days for cruciate / knee conditions source | Not verified | 6 months for cruciate ligament and intervertebral disc disease source | 60 days (cruciate ligament conditions) source | 6 months for cruciate ligament injuries and intervertebral disc disease source | Not verified |
| Bilateral exclusion | Not verified | Not verified | Not verified | Not verified | paired body parts count as one condition for exclusions and limits source | bilateral or associated conditions not covered; treated as pre-existing in later years source | Not verified | Not verified |
| Exam fees covered | Not verified | yes, sick-visit exam fees are covered source | Yes, sick-visit exam fees covered with taxes, for an eligible accident or illness source | Not verified | covered at the plan's reimbursement rate, including taxes source | yes, exam fees covered (including sick visit exams) source | Yes, covered as part of the vet bill reimbursement (up to 80%) source | vet exam fees listed under accident and illness coverage source |
| Curable pre-existing conditions | Not verified | curable pre-existing conditions covered; other pre-existing conditions not covered source | Not verified | Not verified | pre-existing conditions excluded; no curable-condition exception stated source | Not verified | Not verified | Not verified |
| Pays the vet directly | Not verified | Not verified | Not verified | Not verified | not standard; insurer can sometimes pay the vet directly in extenuating circumstances source | Not verified | Not verified | Not verified |
| Dental illness | Yearly cleaning and tooth and gum problems covered. Dental limit: Bronze $500 (optional add-on), Silver $700, Gold $1,000 source | injury and disease in all adult teeth covered; no dental sublimit source | Dental tooth fractures covered for eligible accidents and illnesses source | dental care excluded source | annual dental limits $200 (Secure 1), $300 (Secure 2), $400 (Secure 3), $600 (Secure 4); dental waiting period 6 months source | dental tooth fracture covered; routine dental not covered source | Covered when needed due to illness or trauma, including cleanings and tooth or gum problems, up to the $300 yearly dental limit source | Not verified |
| Hereditary conditions | Not verified | breed-linked hereditary conditions covered source | Covered, subject to certain sub-limits source | covered source | Not verified | breed-specific conditions covered source | Not verified | covered under accident and illness, including hip dysplasia source |
| Wellness add-on | Preventive care included in Gold plan only source | optional add-on covering annual exams, vaccines, spay/neuter, dental cleaning, parasite prevention source | Not currently available source | Routine Wellness up to $260/year; Advanced Wellness up to $530/year source | Secure 4 only; $450 or $350 listed, species not specified source | Not verified | Not verified | Spot Preventive Care: routine dental, spaying/neutering, flea and heartworm prevention source |
| Multi-pet discount | 10% off with 3 or more pets; 15% off with 6 or more pets source | Not verified | 5% automatic discount when insuring more than one pet source | Not verified | Not verified | 5% when a second pet is added source | Not verified | 5% for two pets, 10% for three or more source |
| Provinces not covered | Not verified | program not available in New Brunswick and Quebec source | Quebec, Nunavut source | Not verified | Not verified | not available in Quebec or Nunavut source | Not offered outside BC, AB, ON, QC, NB, NS and PEI (per home page) source | not available in Quebec source |
| Money-back period | Not verified | Not verified | 30 days from the policy start date source | Not verified | Not verified | Not verified | Not verified | Not verified |
| How claims work | Submit through the client portal, by email, or by mail. Claims and service phone line: 1-855-343-9393 source | pay the vet, photograph paid invoice and medical records, submit in the Fetch app; paid by direct deposit source | See the vet and pay the bill, then file a claim (the vet office can also send it in). Reimbursement goes by direct deposit. Claims filing deadline not stated. source | Pay vet in full, submit online portal, email, mail or fax; average 15-20 calendar days; paid by direct deposit or cheque source | get claim form, pay vet in full, vet completes its section, send form by email, fax or mail; 6 months from treatment to claim source | Not verified | Pay the vet in full, get the claim form (from your account or the vet), then send the form and receipts by online upload, email or mail. Filing deadline: 6 months after treatment. source | Visit any licensed vet in Canada or US, pay the bill, submit claim online, by fax or email for cash back source |
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