Care Without Financial Stress

Unexpected veterinary costs can arise at any time and insurance helps you focus on your companion’s care instead of the financial burden.

Always Ready

Accidents and illnesses can happen at any time. Insurance helps cover diagnostics, treatments, and emergency care.

Confident Decisions

With coverage in place, you can focus on what is best for your dog or cat without added financial pressure.

Lifelong Support​

Insurance can help manage ongoing conditions and future health needs throughout your companion’s life.

​Finding the Right Fit

There are many different insurance companies and plans available which can feel overwhelming at first. Taking the time to understand what to look for can make the process much easier and help you choose a plan with confidence.

When comparing providers, consider asking the following questions:

• What is the deductible and how does it apply?
• What percentage of the bill is reimbursed?
• Are there waiting periods before coverage begins?
• Are pre-existing conditions covered or excluded?
• What is included in the coverage and what is not?
• Are there annual or lifetime limits?
• How are claims submitted and how quickly are they processed?

Understanding these details can help you compare plans more effectively and avoid unexpected limitations.

​Coverage Plan vs Savings Account

There is a common belief that pet insurance is unnecessary and that saving money each month is a better option. While saving is always a good habit, this approach does not always provide the same level of protection when it matters most.
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Insurance works by providing access to coverage when you need it. Just like with home insurance, car insurance, and human health benefits, it offers financial protection in situations that are difficult to predict. It helps ensure that decisions about your companion’s care are not delayed or limited by cost.

A savings account, on the other hand, takes time to build. Even with consistent monthly contributions, it can take years to accumulate enough funds to cover a serious illness or emergency. In the meantime, unexpected situations can still arise, and the available funds may not be sufficient to cover the full cost of care.

Insurance provides access to coverage right away, which can offer peace of mind and financial support when it is needed most.

​Popular Providers

Choosing the right provider depends on coverage, reimbursement speed, and how claims are handled. Below is an overview of leading providers in Canada including direct billing availability and key highlights.

Trupanion
Website: www.trupanion.com/en-ca
Highlights:

• Direct billing available through VetDirect Pay, allowing participating veterinary clinics to be paid directly
• Covers up to 90% of eligible veterinary costs with no payout limits and a per-condition lifetime deductible

Petsecure (Petline / Desjardins)
Website: www.petsecure.com
Highlights:

• Does not offer direct billing, claims are submitted for reimbursement after payment
• Covers up to 80% of eligible expenses and offers optional wellness coverage for routine care

Pets Plus Us
Website: www.petsplusus.com
Highlights:

• No direct billing, reimbursement is provided after claims are submitted
• Offers flexible coverage levels and optional add-ons for wellness and dental care

Fetch Pet Insurance
Website: www.fetchpet.com/canada
Highlights:

• Does not offer direct billing, operates on a reimbursement model
• Covers up to 90% of eligible expenses including accidents, illnesses, and some dental conditions

Furkin Pet Insurance
Website: www.furkin.com
Highlights:

• Canadian-based provider focused on simple plan structures
• Reimbursement model with claims submitted after veterinary payment

Desjardins Pet Insurance
Website: www.desjardins.com
Highlights:

• Backed by a major Canadian financial institution
• Offers standard reimbursement-based pet insurance plans

Important Notes

• Trupanion is the only major provider listed here that offers consistent direct billing at participating veterinary clinics
• Most providers require you to pay your veterinarian upfront and submit a claim for reimbursement
• Coverage, deductibles, and reimbursement percentages vary by provider and plan

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Westland Veterinary Hospital does not sell insurance and does not endorse or recommend any specific insurance provider. The choice of insurance is entirely up to the client, and it is the client’s responsibility to review options and select a plan that is appropriate for their lifestyle.