Toronto Pet Insurance Providers

This list is here for your information only.

For questions, please reach out to the companies themselves.

Toronto Humane Society Pet Health Insurance (THS)

Insurance Underwriter: Petline Insurance Company
Number of Plans for Dogs: 4 (Secure 1, Secure 2, Secure 3, Secure 4)
Types of Coverages:
- Accidents (e.g., broken bones, poisoning)
- Illnesses (e.g., cancer, infections)
- Dental care (illness-related, e.g., periodontal disease)
- Preventive care (Secure 4 only, includes vaccinations, flea control, annual exams)
Reimbursement Percentage: Up to 80% of eligible vet bills
Strengths:
- Offers a free eight-week trial for dogs adopted from THS, ideal for new pet owners.
- Single annual deductible simplifies cost management compared to per-incident deductibles.
- Comprehensive wellness coverage in Secure 4, rare among competitors for preventive care inclusion.

Contact: 1-844-947-7387, info@thspetinsurance.ca
Website: https://www.thspetinsurance.ca/

Fetch by The Dodo

Insurance Underwriter: Northbridge General Insurance Corporation
Number of Plans for Dogs: 1 (customizable Accident & Illness plan)
Types of Coverages:
- Accidents (e.g., injuries, swallowed objects)
- Illnesses (e.g., cancer, allergies)
- Breed-specific conditions (e.g., hip dysplasia, if not pre-existing)
- Behavioral therapy
- Dental care (every adult tooth)
- Prescription medications, diagnostics, surgeries
Reimbursement Percentage: Up to 90% of eligible vet bills
Strengths:
- Fast claims processing (as little as 2 days via direct deposit).
- Covers unique expenses like behavioral therapy and breed-specific conditions, unlike many competitors.
- No vet network restrictions, allowing use of any licensed vet in Canada or the U.S., ideal for travel.

Contact: Not listed (use website for support)
Website: https://www.fetchpet.com/

Trupanion Canada

Insurance Underwriter: Omega General Insurance Company
Number of Plans for Dogs: 1 (comprehensive Accident & Illness plan)
Types of Coverages:
- Accidents (e.g., injuries, foreign object ingestion)
- Illnesses (e.g., diabetes, cancer)
- Hereditary/congenital conditions (e.g., hip dysplasia, if not pre-existing)
- Diagnostics, surgeries, hospital stays, medications
- Optional add-ons: alternative therapies (e.g., acupuncture), lost pet support
Reimbursement Percentage: 90% of eligible vet bills
Strengths:
- Unlimited lifetime coverage with no payout caps, unmatched for high-cost treatments.
- Vet Direct Pay allows direct payment to participating vets at checkout, reducing upfront costs.
- Covers hereditary conditions comprehensively, a key benefit for purebred dogs.

Contact: 1-855-210-8749 (24/7)
Website: https://www.trupanion.com/en-ca/pet-insurance

Petsecure

Insurance Underwriter: Petline Insurance Company
Number of Plans for Dogs: 4 (Secure 1, Secure 2, Secure 3, Secure 4)
Types of Coverages:
- Accidents (e.g., fractures, lacerations)
- Illnesses (e.g., infections, tumors)
- Dental care (illness-related, up to $2,000 in higher plans)
- Wellness/preventive care (Secure 4 only, includes exams, vaccinations, parasite prevention)
Reimbursement Percentage: Up to 80% of eligible vet bills
Strengths:
- Offers a six-week free trial for dogs adopted from partnered shelters (e.g., Kitchener Waterloo Humane Society).
- Includes wellness coverage in Secure 4, supporting routine care uncommon in other plans.
- 100% Canadian-owned, with strong customer service and local expertise.

Contact: 1-800-268-1169, info@petsecure.com
Website: https://www.petsecure.com/

Spot Pet Insurance

Insurance Underwriter: Northbridge General Insurance Corporation
Number of Plans for Dogs: 2 (Accident & Illness, Accident-Only)
Types of Coverages:
- Accidents (e.g., cuts, broken bones)
- Illnesses (e.g., cancer, respiratory issues)
- Behavioral treatments
- Optional wellness add-ons (e.g., routine exams, vaccinations)
- Optional dental care (preventive and illness-related)
- Pet owner assistance (e.g., lost pet advertising)
Reimbursement Percentage: 70%–90% of eligible vet bills
Strengths:
- Next-day accident coverage (faster than most providers’ 5–14-day waiting periods).
- Offers discounts: 5% for microchipped dogs, 5% for two pets, 10% for three or more.
- Flexible wellness add-ons allow customization for preventive care needs.

Contact: Not listed (use website for support)
Website: https://spotpetinsurance.ca/

Desjardins Pet Insurance Program

Insurance Underwriter: Petline Insurance Company
Number of Plans for Dogs: 3 (Bronze Paw, Silver Paw, Gold Paw)
Types of Coverages:
- Accidents (e.g., injuries, poisoning)
- Illnesses (e.g., cancer, diabetes)
- Dental illness (up to $2,000 in Gold Paw)
- Wellness (Gold Paw only, includes preventive care)
- Diagnostics, surgeries, medications
Reimbursement Percentage: Up to 80% of eligible vet bills
Strengths:
- Low $100 deductible, more affordable than competitors with higher deductibles.
- Direct vet pay for complex cases reduces out-of-pocket expenses.
- Generous dental illness coverage, a standout for dogs prone to oral health issues.

Contact: 1-888-277-8725
Website: https://www.desjardins.com/on/en/insurance/pet.html

The Personal Pet Insurance Program

Insurance Underwriter: Petline Insurance Company
Number of Plans for Dogs: 3 (Bronze Paw, Silver Paw, Gold Paw)
Types of Coverages:
- Accidents (e.g., fractures, burns)
- Illnesses (e.g., allergies, infections)
- Dental illness (higher plans include more coverage)
- Wellness (Gold Paw includes preventive care)
- Diagnostics, surgeries, hospital stays
Reimbursement Percentage: Up to 80% of eligible vet bills
Strengths:
- Exclusive to specific professions (e.g., military, healthcare), offering slightly lower rates than Desjardins.
- Unlimited coverage option in Gold Paw, ideal for high-cost treatments.
- Strong backing by Desjardins, ensuring reliable claims processing.

Contact: 1-800-387-2880
Website: https://www.thepersonal.com/pet-insurance

Pets Plus Us

Insurance Underwriter: Northbridge General Insurance Corporation
Number of Plans for Dogs: 3 (Accident-Only, Essential, Comprehensive)
Types of Coverages:
- Accidents (e.g., injuries, toxic ingestion)
- Illnesses (e.g., cancer, infections)
- Alternative therapies (e.g., acupuncture, chiropractic)
- Blue Ribbon Benefits (24/7 telehealth, poison control support, bereavement counseling)
- Optional wellness coverage (e.g., exams, vaccinations)
Reimbursement Percentage: Up to 80% of eligible vet bills
Strengths:
- Blue Ribbon Benefits include 24/7 telehealth and unique support like bereavement counseling.
- No premium increases based on claim history, offering cost stability.
- Exclusive CAA discounts for members and non-members in Ontario.

Contact: 1-800-364-8422, info@petsplusus.com
Website: https://www.petsplusus.com/

PHI Direct

Insurance Underwriter: Petline Insurance Company
Number of Plans for Dogs: 1 (Accident & Illness plan with “New-Condition Coverage”)
Types of Coverages:
- Accidents (e.g., injuries, emergencies)
- Illnesses (new conditions only, excludes prior policy year conditions)
- Professional veterinary services
- 24/7 telehealth veterinary nurse support
Reimbursement Percentage: Up to 80% of eligible vet bills
Strengths:
- Affordable premiums (average $38.66/month for dogs, below industry average).
- Fast claim processing with excellent customer service, per user reviews.
- 24/7 telehealth support enhances accessibility for urgent questions.

Contact: Not listed (use website for support)
Website: https://www.phidirect.com/

Furkin Pet Insurance

Insurance Underwriter: Petline Insurance Company
Number of Plans for Dogs: 1 (comprehensive Accident & Illness plan)
Types of Coverages:
- Accidents (e.g., broken bones, lacerations)
- Illnesses (e.g., cancer, diabetes)
- Exam fees (unlike many competitors)
- Diagnostics, emergencies, surgeries, medications
Reimbursement Percentage: Up to 80% of eligible vet bills
Strengths:
- Covers exam fees, a rare inclusion that lowers out-of-pocket costs.
- High annual limit ($20,000) with no lifetime caps, great for chronic conditions.
- Quick claims and responsive customer support, per user feedback.

Contact: 1-888-591-5077, info@furkin.com
Website: https://www.furkin.com/

CAA Pet Insurance

Insurance Underwriter: Petline Insurance Company (via Pets Plus Us)
Number of Plans for Dogs: 3 (Compact, Intermediate, Luxury)
Types of Coverages:
- Accidents (e.g., injuries, poisoning)
- Illnesses (e.g., infections, tumors)
- Hospitalization, surgeries, diagnostics
- $1,000 emergency medical coverage for lost dogs
Reimbursement Percentage: Up to 80% of eligible vet bills
Strengths:
- Unique $1,000 emergency coverage for lost dogs, ideal for active pets.
- Backed by CAA’s trusted brand, with discounts for Ontario members.
- Simple plan structure suits dog owners seeking straightforward coverage.

Contact: 1-877-222-3337
Website: https://www.caasco.com/insurance/pet

Toronto Pet Insurance Providers

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