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What is
Pet Care Insurance?

Pet care insurance, otherwise known as pet health insurance, is insurance that covers a portion or all of the veterinary costs if your pet gets sick or injured. Having pet insurance can save you loads of money compared to paying out of pocket for your pet’s medical care.

Pet insurance helps protect you from financial stress in the chance that your pet needs to go to the vet or animal hospital.

How does pet insurance work?

Regular health insurance is for humans, pet insurance is for pets. Both types of insurance work in a similar way.

Rather than having to pay out of pocket for medical fees, surgery, or medicine, you simply pay a monthly fee to maintain insurance. Then, if your pet gets injured or falls ill, your insurance provider will cover a significant portion of the medical expenses. Not having insurance could result in thousands of dollars coming out of your own bank account if your pet falls ill or gets hurt.

How much is pet insurance?

The cost of your monthly pet insurance premium will depend on the amount of coverage you want and the provider you choose to go with. The best way to find the most affordable price for pet insurance is to compare rates and plans online.

Pet insurance can cost anywhere from $10 per month to higher than $100 per month. With Insurdinary, you are sure to find the lowest rates in all of Canada.

Is my pet eligible for coverage?

All animals deserve proper treatment and care. Whether you have a cat or a dog, you may be eligible to buy pet insurance. In most cases, if your cat or dog is under 14 years of age and lives in Canada, they are eligible for coverage.

Most providers cover cats and dogs of every size, color, shape, or breed. So no matter if Mr. Whiskers has a cold or Fido has a broken leg, with pet insurance you’ll have the coverage you need to ensure that they are taken care of.

Which medical conditions are covered?

As with human health insurance, not every condition is covered under insurance. This is especially the case for pre-existing conditions. Again, coverage depends on your exact plan and provider.

Some things that may not be covered by pet insurance include: grooming, pre-existing conditions, wellness checkups, preventative care, extra vet fees (like waste disposal), congenital abnormalities, developmental disorders, and more.

Do You and Your Furry Friend Need Pet Insurance?

As most pet owners, you know that your furry friends are more than just pets, they’re family. That’s why your pets deserve the best care and protection when it comes to their health.
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Get the Lowest Pet Insurance Quotesand Compare Plans Online

Get the pet insurance coverage you need at an affordable price. Rest easy knowing that your pet is covered and you don’t have to worry about high out-of-pocket veterinary costs.

With Insurdinary, you get insurance quotes directly in your inbox so you can find the best option.

  • No upfront costs
  • No hidden fees
  • Pay only when you sign an insurance policy

Receive pet insurance quotes for FREE!

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How to Get the Best Coverage
For Your Pet

Looking for an insurance that provides the best coverage for your furry friend at an affordable price? Here are some tips to help you in your search.
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Get Multiple Quotes

You shouldn’t accept the first quote you get. Examine the pros and cons of multiple insurance quotes from different providers to make sure you find the best version for you and your pet.

Think Ahead

Your insurance premiums might increase as your pet grows older. Think ahead and plan accordingly. Cats usually live more than dogs, and indoor pets live more than those who live outdoors.

Go For Bundles

Insurance providers sometimes offer significant discounts if you sign up for insurance bundles. Bundle your health and pet insurance policies to receive a better price for both.

Ask For Discounts

Ask your insurance provider for a discount before you sign. Some providers might offer periodic discounts you’re not aware of.

Types Of Pet Insurance Coverage

Depending on how much coverage they offer, most pet insurances in Canada can be classified as:


Insurance policies that provide standard coverage usually cover the costs of accidents, surgery, emergency care, hospitalization, and sudden illness. They do not cover things like checkups, vaccinations, parasite prevention, and grooming.


In addition to what’s included in the standard coverage, the intermediate one also covers the costs of things like vaccinations and checkups for a more expensive monthly premium.


Sometimes called a luxury plan, the advanced insurance coverage covers almost everything you can think about, except grooming.

Find The Right Pet Insurance Coverage For You & Your Furry Friend

Not sure how much coverage you and your pet need? Don’t worry, we can help.

Insurdinary connects you to the top pet insurance providers in Canada and you get personalized insurance quotes directly in your inbox. Explore, examine, compare, and select the coverage you and your pet need.
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Pet Insurance
Frequently Asked Questions (FAQ)

Are still uncertain whether pet insurance is a good idea or not? Get all of your questions answered in our FAQ section below.

What Is Pet Insurance?

Pet insurance is a type of insurance that covers a portion or all of the medical expenses when your pet experiences an unexpected illness or injury. Pet insurance ensures that your pet can get the medical care they need without you having to pay thousands of dollars out of pocket for medical fees.

How Does Pet Insurance Work?

With a pet insurance plan, you pay a monthly premium to maintain coverage. Then, when your pet is injured or becomes ill, your insurance provider will cover some or all of the medical expenses from the vet or animal hospital. Without pet insurance, you would have to pay for these expenses out of your own funds, and this could cost hundreds of dollars or more.

What Does Pet Insurance Cover?

Pet insurance covers a wide range of services related to your pet’s unexpected illness or injury. While exact coverage may vary depending on your unique plan, pet insurance typically covers medicine, surgeries, hospitalization, broken bones, illnesses, and medical emergencies. Many pre-existing conditions may not be covered.

Is Pet Insurance Worth the Cost?

As with any time of insurance, pet insurance is an investment that protects you and your pet if and when the unexpected happens. While you may not see the need for insurance while your pet is healthy, you’ll be glad you have it if they ever become ill or get injured. Paying a monthly premium could save you hundreds or thousands of dollars in the long-run.

What Are the Best Pet Insurance Plans?

The best pet insurance plan is the one that provides the coverage your pet needs at a price you can afford. Coverage and rates vary from provider to provider, so it’s important to compare your options. Rather than hopping from website to website, you can compare multiple providers with Insurdinary all in one place.

How Much Should I Pay for Pet Care Insurance?

Pet insurance rates can range from $10 per month to over $100 per month. Typically, the more coverage you want, the higher your monthly premium will be. You should choose a plan that offers the most comprehensive coverage possible at a rate you can afford.

Does Pet Insurance Start Immediately?

Waiting periods for when pet insurance will take effect vary depending on the plan and provider. Speak to your chosen pet insurance provider in order to find out when your pet insurance coverage will start. The average waiting period is approximately 14 days.

My Pet Is Sick Right Now, Can They Still Get Covered?

If your pet is already sick, pet insurance will likely not cover their illness, as it is seen as a pre-existing condition. They will, however, be covered for future illnesses and injuries.

How Do You Get Pet Insurance?

There are many ways to get pet insurance. The easiest way is to use the Insurdinary portal to compare quotes from multiple insurance providers at once. You’ll get quotes sent directly to your inbox where you can compare plans and prices side-by-side. Then, all you have to do is sign up for the plan you like most.

Can I Get Pet Insurance in Alberta, Ontario, and Other Canadian Provinces?

Private pet insurance is available across all of Canada. As long as your cat or dog is under 14 years old and lives in Canada, you should be able to get coverage from nearly any Canadian pet insurance company. Try Insurdinary to get coverage in Ontario, British Columbia, Alberta, and beyond.

How Do I Save Money on Pet Insurance?

Insurdinary helps you save money on pet insurance by connecting you with the most affordable pet insurance quotes. We have partnered with countless Canadian insurance providers to match you with low rates based on the coverage you want for your pet.

Where Can I Compare Pet Insurance Online?

You can compare pet insurance online at Simply enter your info and get personalized quotes sent directly to your email inbox. Then, you can compare pet insurance plans and rates from Canada’s top providers in minutes.

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on All Types of Insurance

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Keep you and your pet happy! With Insurdinary, you get the pet care coverage your pet deserves at an affordable price!
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