pet insurance

One of the most comprehensive pet insurance plans in Canada

Looking for a smart and simple way to get insurance on your pets? 
Discover our partner who have everything you need, and more.

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Recommended by veterinarians

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Coverage Details

Pet health insurance provides peace of mind knowing that if something unfortunate happens to your pet, you'll have the financial resources needed to manage any medical expenses incurred.

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How pet insurance works

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Pay the vet bill during your visit.

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Submit a claim in minutes.

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Get reimbursed.

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Free Pet Insurance Quote in Minutes

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Get the best pet insurance in Canada

  1. Fetch
  2. Desjardins Insurance
  3. Sonnet Insurance
  4. PetSecure

What is a pet insurance?

It's hard to know what's going through your cat's mind when it attacks your plants or your dog chases a squirrel.

Of course, having a dog or a cat can be unpredictable, and pet insurance exists to protect your pets.

Unlike life insurance, pet insurance will not pay you a premium in the event of your death, as it does when an individual is insured.

Although the loss of your pet may cause you to grieve, there are very few costs associated with the death of your pet, so there is no premium to pay in the event of death.

With pet insurance, your pet's illness, dental care and injuries are covered by your coverage. This ensures that you do not pay more than you should for your pet.

Your insurance policy will be renewable annually depending on the age and health of your pet.

What is a pet health insurance?

Pet health insurance is a form of health insurance designed specifically for pets.

It enables pet parents to manage the cost of preventive health care, treatments, surgeries, and more for their beloved animals.

It operates just like human health insurance: pet owners pay a monthly premium, select an annual deductible, and are then provided coverage when their pet needs health care.

Such coverages usually include:

-immunizations, checkups, routine care and hospitalization costs related to illnesses or accidents, as well as coverage for alternative therapies such as acupuncture or physiotherapy.

Some policies provide additional benefits such as prescription drugs, dental care, behavioural health consultations and more.

Pet health insurance provides peace of mind knowing that if something unfortunate happens to your pet, you'll have the financial resources needed to manage any medical expenses incurred.

What are the cheapest pet insurance plans?

The cheapest insurer may vary from year to year, but finding cheap pet insurance can be difficult for certain dog breeds. Here are the 3 main life insurance plans :

Bronze: They are the most basic, including accident coverage to help reimburse you for common accident-related expenses, such as X-rays, surgical fees, and more.

Silver: It offers additional coverage, typically including emergency veterinary care and emergency medical procedures if they become necessary.

Gold - It is the highest level of insurance, which covers accident-related expenses as well as ongoing medical treatments and prescriptions that the pet may need throughout their lifetime.

When it comes to pet insurance plans, choosing the right level of coverage can make all the difference when an accident happens or your pet needs urgent medical care.

What is the cost of available dog insurance plans?

Many factors will determine the offers. Once you're ready to enrol in a pet plan, you need to make sure your pet insurance plan provides the right coverage at the right price.

What should my plan cover?

You should consider things like emergency pet insurance plans ; are routine care visits included?

It’s also important to look into pet insurance plans with the best health care network.

This will tell you how many licensed veterinarian (depending on your policy) will be included in your plan.

Are reviews important?

Insuring your pet is an important decision. Make sure to choose a company with great customer service (like fetch), so you can have peace of mind, knowing that any problems will be resolved amicably.

How to choose the perfect pet insurance?

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Here are 5 ways to save on your pet insurance

  1. Set your annual limit
  2. Choose your annual deductible
  3. Pick a reimbursement percentage
  4. Consider preventive care coverage
  5. Look into an Accident-Only plan

How does the coverage work?

Depending on the coverage you choose, your pet insurance may cover

Dental care: The cost of routine dental care such as cleaning as well as treatments to your pets' gums and teeth will be covered.

Alternative therapies: Homeopathy, massage therapy, hydrotherapy, acupuncture, chiropractic, physiotherapy. These alternative therapies that your veterinarian may recommend are often covered!

Behavioral therapies: Many animals suffer from behavioral problems such as separation anxiety or aggression. Again, these therapies are frequently covered.

Canine and feline boarding fees: In the event that you become ill, some insurers will cover the cost of boarding.

Routine care and annual exams: Whether it's routine exams, blood work, screening tests, monitoring medications or vaccines, check to see if your pet insurance covers this care.

Your policy will usually offer a total reimbursement amount for accidents (with the best coverage usually offering an unlimited amount), a reimbursable percentage for medical exams and a reimbursable amount for dental care.

What is not covered

As with any insurance, a pre-existing condition will not be covered, nor will an intentional accident caused to the animal.

In addition, pregnancy, spaying or neutering and any treatment not prescribed by a veterinarian will not be covered by your dog or cat insurance.

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How much does pet insurance cost?

Pet insurance costs vary depending on many factors such as the age of your pet, its species, breed and where you live. The cost of veterinary fees in Canada will affect the amount of your insurance premiums.

For example, an insurance policy for a Montreal resident with a 2 year old Labrador would cost between $30 to $100 per month depending on the plan chosen.

In the case of cat insurance, the premiums are generally a few dozen dollars less per month.

Often, insurance for dogs and cats is even faster to obtain than for an individual. With your zip code, your pet's age and breed, you can get an estimate of how much your pet insurance policy would cost.

Why should I get pet insurance for my pet?

Like any insurance, it's hard to say whether it will ever pay off for you. However, pet insurance offers you the same promise as every insurance product: peace of mind.

After all, any pet owners know how expensive vet visits can be. Well, pet insurance could save you money over time.

Considering how many pet owners resort to euthanasia due to lack of money, pet insurance could be helpful in avoiding any difficult choices.

It's hard to predict, but most policies cover illnesses that last for several years. This could be a real advantage.

While this may or may not reflect its usefulness, only 1% of Canadians have pet insurance, while pet owners in Great Britain and Sweden have 50%.

Curious about pet insurance? Don't hesitate to contact one of Emma's insurance specialists, who can answer your questions and direct you to the right tools!

Quality pet insurance coverage at a great price, chosen according to your needs, that's what Emma Insurance offers.

Get a free online pet insurance quote to find out about competitive prices. Enjoy low cost pet insurance and many other benefits.

Buy the Best Pet Insurance in Canada

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