Dog Insurance
made simple

A guide to dog insurance essentials

Dog Insurance

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Offers shown here are from third-party advertisers. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.

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Pets Plus Us

From $19
Per month
700
Satisfaction Rating
  • Pets at least 7 weeks old
  • Covers exam fees
  • Up to $15k in benefits per year
Pros & Cons
Extra Details
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Trupanion

From $45
Per month
712
Satisfaction Rating
  • Pets of any age
  • Pays the hospital directly
  • Unlimited payout for life
Pros & Cons
Extra Details

Dog Insurance

If you’re a dog owner, dog insurance is one of the most important investments you’ll make for your pet.

It’s a meaningful way to secure financial security and reduce the costs associated with veterinarian bills and medical expenses, including emergency visits in the event of an injury or unexpected illness.

Dog insurance in Ontario and throughout Canada can vary based on the type of insurance, the age of your pet, breed, and other factors, which determine which coverage is a good fit for your dog.

dog insurance

The Best Dog Insurance Companies in Canada for Your Pet

It’s important to compare dog insurance rates, companies, and plans, to find the right fit for your puppy or dog.

Every dog insurance company offers various features and advantages that provide excellent benefits for your pet, ranging from basic coverage for certain conditions to a broader coverage that is more comprehensive. The best insurance in Canada offers flexible plans for dog owners and their pets.

Embrace Pet Insurance

Embrace offers great insurance for your pet, including unlimited annual coverage and the option of choosing reimbursement amounts of 70%, 80%, and 90%, and there is a $100 deductible.

In comparing this company’s pet insurance plans with others, there are a few advantages to consider, which include a diminishing deductible, which means the amount you pay for a deductible reduces by $50 for every year you have no claims.

Embrace’s puppy insurance and dog insurance plans have the option of including an optional wellness plan available, with a 24/7 phone line for health information and support and a waiting period of only two days for accident coverage.

The only drawback to the insurance plans is six months for orthopedic conditions unless waived by a medical professional, and there isn’t an extensive range of options for deductibles and yearly coverage. 

Spot Pet Insurance

This company’s insurance plans offer the best dog insurance in Canada, ranging in annual coverage amounts ranging from $2,500 up to $20,000 and unlimited. Many deductibles start at $100 and may be increased to $250 and $1000. 

Spot is an excellent option because the insurance protects coverage for pet microchips, veterinarian visits for accidents and illness, the choice of adding a wellness plan, access to a 24/7 support phone line for your pet’s health, and discounts if you have more than one pet.

The only downside to Spot insurance is the more extended accident coverage waiting period, up to 14 days.

dog insurance

Pets Best Insurance

There are a few significant advantages to choosing Pets Best dog insurance, which includes a maximum annual coverage of either $5,000 or unlimited and a low deductible of $50, which the option to increase to various amounts of up to $1,000.

You’ll have accident coverage that only requires a three-day waiting period, with 24/7 support over the phone, the availability of wellness plans, and a discount if you have more than one pet signed up for coverage.

If you choose the pet insurance dog plan, it’s essential to consider the extended waiting period of six months for cruciate ligament issues, and there are no coverage options for alternative therapies. 

Trupanion Insurance

The Trupanion insurance cost is competitive, and it’s also considered one of the best dog insurance plans in Canada, which offers maximum annual coverage that’s unlimited, and reimbursement options between 50% and 100%.

You won’t have to pay a deductible, and there is the option of direct billing to your veterinarian, so you won’t have to pay fees upfront.

There is no long waiting period for cruciate ligament issues or other conditions, such as hip dysplasia. As your pet ages, there is no increase to your dog’s insurance premiums, and it’s one of the most flexible plans for pet owners.

There are a few disadvantages if you use Trupanion’s insurance, which doesn’t include vet exam fees, and no coverage for routine care for your dog. 

ManyPets

ManyPets insurance offers unlimited annual coverage and decent reimbursement options, including 70%, 80%, and 90%, with several deductible options between $100 to $500.

ManyPets offers one of the most inexpensive premiums for unlimited coverage annually, with the option of reducing 15-day waiting periods to 24 hours for illness and accidents when you switch to ManyPets from another insurer. 

While this insurance company doesn’t offer plans in as many locations or countries as other insurers, the insurance coverage includes visits to the vet for exams for accidents and illnesses and an optional wellness plan for your dog.

It’s important to consider that ManyPets doesn’t cover alternative therapies or pet behavioral therapy, which is included in other insurance plans.

dog insurance

Choosing the Right Dog Insurance for Your Pet

When you compare dog insurance plans, it’s essential to consider the healthcare needs of your dog and the options each plan offers. Specific characteristics, such as your dog’s age, breed, monthly premium costs, and coverage options, should be considered when you shop for insurance. 

Ideally, you’ll want to invest in dog insurance in the event of an emergency, or unexpected injury or illness, as these incidents often result in costs that are not budgeted and may cause financial stress.

When you purchase pet insurance, you’ll have access to coverage for qualified procedures, exams, and medical treatments for a licensed vet.

In addition to the insurance needs of your pet, it’s also important to consider whether your dog insurance plan offers flexible rates for deductibles and coverage levels and if their customer service levels are good, or lacking, which can make a significant difference when you need urgent care for your pup.

Finding the right insurance plan for your dog can take time to compare, though it’s a worthwhile investment to protect your puppy and reduce the costs associated with expensive medical care.

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October 10, 2023
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FAQs about dog insurance

How much is dog insurance?

The insurance dog cost or premiums varies considerably based on the amount of coverage you choose, deductible, and add-on insurance plans to expand or extend protection for your dog.

Do dogs need insurance?

While dogs do not require pet insurance, it’s a meaningful way to protect your pet when they experience ill health, injury, or sickness. Dog insurance can also reduce the costs of visiting a veterinarian.

Does dog insurance cover neutering and spaying?

No. These procedures are not covered under pet insurance plans designed to cover illness and injury-related issues.

Does pet insurance cover dog bites or attacks?

Not all plans cover dog attacks, so it is essential to review them before registering for an insurance plan.

Which pet insurance plan is the best for dogs?

Selecting the right dog insurance plan depends highly on your pet’s needs, breed attributes, health conditions, age, and other characteristics that can impact which type of insurance plan they qualify for. While some dog insurance plans offer comprehensive coverage, others offer essential, and you’ll also notice a variance in price, which is necessary to review for your budget and pet’s needs.

Dog Insurance
made simple

A guide to dog insurance essentials

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