Puppy Insurance
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Get access to the best pet insurance rates in Canada

Best Puppy Insurance Rates in Canada

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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
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Trupanion

From $45
Per month
712
Satisfaction Rating
  • Pets of any age
  • Pays the hospital directly
  • Unlimited payout for life
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Puppy Insurance

Are you considering adopting a new puppy, or have you already welcomed your new furry friend into your home? It’s important to review the options for puppy insurance, including various products for puppy insurance in Ontario and across Canada.

When you compare puppy insurance programs, you’ll find various benefits and unique options for every plan. 

Which puppy health insurance is the best option for your pet? You’ll find many brands with different rates, coverage levels, deductibles, and other features, all of which are important to review carefully before you choose the right plan for your dog.

The following companies offer competitive pet insurance for puppies with some of the best pricing and features in the country.

Trupanion – puppy insurance Canada

Trupanion is one of the top puppy insurance companies in Canada. You’ll find great features with this brand, including one of the highest levels of protection, flexible deductibles, and lifetime coverage options for any cat or dog under the age of 14 years.

Trupanion is available in all provinces across Canada, with the least amount of restrictions. You’ll find that customer service support is available 24 hours a day, seven days a week, every day of the year.

There are many reasons to consider Trupanion dog or puppy insurance. The company provides the option of no deductibles, or you can choose up to $1,000 as a deductible amount based on your budget. The premiums for pet insurance never increase, even as your pet ages.

Billing is direct to Trupanion, so you don’t pay in advance for covered expenses and wait for the reimbursement later. There are no extensions to the waiting period for issues that involve hip dysplasia or ligament conditions.

Are there any drawbacks to Trupanion’s puppy insurance? A few disadvantages are worth noting before you sign up for coverage for your pup. There is a twelve-day delay before your pet’s coverage comes into effect, which can be difficult if you require coverage immediately, even for an emergency.

Other insurance companies may offer shorter times, so you won’t have to wait nearly two weeks upon registering. Trupanion’s insurance does not cover routine care and vet exam fees. 

FetchPet – comprehensive pet insurance for puppies

You’ll receive impressive coverage for your puppy with this plan. FetchPet offers various reimbursement rates, including seventy, eighty, or ninety percent coverage. Vet exam fees are covered, and annual coverage begins at $5,000.

You’ll have access to a veterinarian helpline 24/7 and deductible options that include $300, $500, and $700. Many items are covered under FetchPet’s program, including cancer treatment, surgeries, vet sick visit fees, emergency care, dental issues, injuries, and illnesses. 

There is a payment limit of fifteen thousand, and you can post ads and information about lost or stolen pets with the company. The only downside to FetchPet is a lack of service in some parts of Canada, though you can find where their plans are available on the company’s website.

There is no coverage for pre-existing conditions or wellness exams. 

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Furkin Pet Insurance – low puppy insurance cost

One of the least expensive pet insurance plans, Furkin Pet Insurance is a great option. The company offers low fees, including an affordable enrollment charge, and monthly premiums.

The coverage is impressive for the pricing, with up to eighty percent reimbursement, and provides comprehensive coverage for illness and accidental coverage, including applicable services through licensed vets across U.S. and Canada. 

What makes this insurance coverage ideal for puppy owners? Every plan through Furkin Pet Insurance provides 24/7 support over the phone through a telehealth line, and all plans include coverage for taxes and exam fees.

Your pet must be at least seven weeks old and under fourteen years of age to enroll in this insurance coverage.

PHI Direct – exceptional coverage

If you’re looking for pet insurance with a lot of coverage options, PHI Direct includes many treatments, such as medical procedures, emergency care, surgery, anesthesia, alternative therapies, hospitalization, exam fees, x-rays, CT scans and MRIs, specialist fees, and medications.

You can enroll your puppy after seven weeks, and up until your dog is 14 years old, and coverage will continue for the duration of the insurance coverage.

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Advertiser disclosure

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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August 29, 2023
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FAQs about puppy insurance

Do puppies need insurance?

While puppies and pets, in general, don’t require insurance coverage, it’s a good option to consider for the protection of your pet’s health and well-being. It’s essential in the event of an emergency.

How much is puppy insurance?

The monthly premiums for puppy insurance varies greatly depending on different factors, such as the amount of coverage, the company you register with, deductibles, and other additional coverage. For this reason, it’s essentialt to compare costs for puppy insurance from one plan and company to the next to ensure you’re getting the best deal for your budget and your pet’s needs.

What is the best puppy insurance?

The right insurance coverage varies from one pet owner or puppy to the next. While some pet owners prefer comprehensive coverage, and are willing to pay the most for the extensive support and covered procedures, other plans offer budget-friendly options that are better for others.

Is neutering or spaying covered with puppy insurance?

Generally, no, though you may find other services or surgeries are covered. Since the cost of neutering and spaying can vary, it’s best to discuss options with your vet and payment plan options, if needed.

Which insurance plans for puppies do pet owners recommend?

The type of insurance plan you choose for your puppy depends on your pet’s health needs, their breed, genetics, and your budget. The highest rated pet insurance companies tend to be affordable, and comprehensive for what they provide to puppy owners.  

Puppy Insurance
made simple

Get access to the best pet insurance rates in Canada

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