How Much Is Pet Insurance?
Wondering how much pet insurance costs in Canada?
You’re not alone. Whether you’re caring for a new puppy or a senior cat, many Canadian pet owners are turning to insurance to manage unexpected vet bills. But how much will it actually cost you?
Average Cost of Pet Insurance in Canada
On average, pet insurance in Canada costs:
- Dogs: $40 to $70 per month
- Cats: $24 to $40 per month
(Estimates align with industry data from providers like Trupanion, Fetch, and Spot. Prices vary widely based on your pet’s breed, age, location, and plan type.)
Real Monthly Quotes from Canadian Providers
Pricing examples based on public 2025 quotes from popular insurers.
| Provider | Dog (Monthly) | Cat (Monthly) |
|---|---|---|
| Spot | $35 | $22 |
| Fetch | $47 | $30 |
| Trupanion | $69 | $37 |
Quotes reflect healthy 3-year-old pets in Ontario, medium coverage tier with $250 deductible.
What Impacts the Cost?
The price you pay for pet insurance depends on several factors:
- Breed: Some breeds are prone to genetic issues (e.g., hip dysplasia in labs).
- Age: Premiums increase with age. Puppies and kittens are cheaper to insure.
- Location: Urban centres like Toronto and Vancouver typically have higher rates.
- Coverage: More comprehensive plans cost more (accident + illness + extras).
- Deductible & Reimbursement: Lower deductibles and higher payout rates increase premiums.
Is Pet Insurance Worth It in Canada?
That depends. If your pet develops a chronic condition like diabetes or needs emergency surgery, insurance can save you thousands. Even mid-range plans often pay for themselves after one major vet visit.
Without coverage, you could be facing:
- $2,000–$5,000 for a broken bone
- $3,000+ for surgery to remove a foreign object
- $1,200+ annually for diabetes or arthritis medication
Where Most Canadians Start
Most pet parents begin with a basic accident & illness plan, then adjust as their pet ages. Some providers (like Spot or Fetch) let you customize:
- Deductible ($100–$1,000)
- Reimbursement level (70%–90%)
- Annual coverage cap ($5,000–unlimited)
Common Add-Ons (and What They Cost)
- Dental illness: $6–$10/month
- Alternative therapy (acupuncture, physio): $3–$5/month
- Prescription food: Often excluded unless added
- Routine wellness care: $10–$25/month (optional)
What Canadians Are Saying in 2025
Most users say the monthly fee is worth the peace of mind. According to reviews on Trupanion and Spot:
- Customers appreciate fast reimbursements
- Many note that premiums do increase over time
- The biggest regret: “I wish I’d signed up earlier”
Pet Insurance in Canada: 2025 Quote Summary
| Pet Type | Monthly Range | With Add-ons |
|---|---|---|
| Dog | $40–$70 | $55–$90 |
| Cat | $24–$40 | $35–$60 |
How to Save on Pet Insurance
- Compare quotes before enrolling
- Choose a higher deductible to lower your monthly fee
- Ask if multi-pet discounts apply
- Consider starting coverage while your pet is still young
Why Pet Owners Across Canada Are Getting Coverage
In 2025, more Canadians are treating pets like family — and protecting them accordingly. Pet insurance offers not only financial protection but emotional relief when things go wrong. Whether you live in Toronto, Calgary, or Halifax, an affordable plan can be the difference between delaying treatment and getting your pet the care they need.