Veterinarians are committed to recommending the care that is in the best interest of your pet, always. That means recommending diagnostics when appropriate and treatment options tailored to your pet’s medical needs.

That said, cost is a reality that many pet owners face. When financial stress enters the picture, it can be difficult to move forward with recommended care, even when you truly want to.

This is where pet insurance can make a real difference. It helps remove the financial barrier so you can focus on what matters most: making the best decision for your beloved pet’s health without the added worry of unexpected costs.

How Pet Insurance Works in Canada

The insurance process for pets is very similar to the one you likely follow at a dental clinic or a pharmacy when a prescription is filled.

The Basic Process

Take your pet to any licensed veterinarian

1

What Is Typically Covered

2

You submit a claim to your insurer

3

Eligible costs are reimbursed based on your policy

4

Coverage Elements

Accidents

Coverage for unexpected injuries and emergencies such as broken bones, cuts, burns, poisoning, swallowed objects, bite wounds, or accidents requiring urgent veterinary care and treatment.

Illnesses

Coverage for a wide range of medical conditions including infections, allergies, digestive issues, chronic diseases, hereditary conditions, diabetes, arthritis, and serious illnesses such as cancer.

Diagnostics

Coverage for tests and procedures used to diagnose health concerns, including X-rays, bloodwork, MRIs, CT scans, ultrasounds, lab testing, and other evaluations recommended by a veterinarian.

Surgery &
Hospitalization

Coverage for surgical procedures, anesthesia, overnight stays, specialist care, post-operative monitoring, and hospitalization related to accidents or illnesses.

Some plans offer
optional coverage for

Vaccines and routine exams

Dental cleanings

Prescription food

What is usually
not covered

Pre-existing conditions

Cosmetic or elective procedures

Breeding or pregnancy

Grooming

Canadian Considerations

No public veterinary healthcare system

Costs vary by province and region

Approximately 3.8% of Canadian pets are insured. This leaves most families having to pay out of pocket when unexpected illnesses or accidents arise.

3.8 %