Canadian pet insurance company comparison
We all love our pets and want what’s best for them.
See how Petsecure stacks up to the rest of the pack in Canada’s pet insurance landscape.
Petsecure
Covers prescription fees in all plans
Includes routine dental care in all plans
Covers taxes and exam fees in all plans
Pays you in a few days on average
Offers freedom to use any licensed vet in the U.S. or Canada
Only has a two-week waiting period before illness coverage starts*
Other pet insurers in Canada
Cover prescription fees
May take up to 30 days to pay you for claims
Taxes and exam fees not covered in some cases
Offer flexibility in choosing a vet in Canada or the U.S.
Rarely cover routine dental in core plans, but sometimes offered through extra add-ons
After signing up, may make you wait up to 30 days before your pet is covered for illnesses
*Additional waiting periods for Petsecure include 48 hours for accidents and six months for cruciate ligament, intervertebral disc disease and dental.
Petsecure vs. Trupanion
Petsecure
Direct payments to participating vet clinics in select cases
A 100% Canadian-owned and operated company
Includes routine dental care in all plans
Covers taxes and exam fees in all plans
Uses a simple annual deductible, paid only once per year, regardless of the number of conditions or claims
48 hours waiting period for accidents and two weeks for illnesses*
Trupanion
Can pay participating hospitals directly
U.S.-based company
Does not cover routine dental care
Does not cover exam fees or taxes
Uses a per-condition deductible, which you may have to pay once for each new, unrelated condition your pet develops
Five day waiting period for accidents and 30 days for illnesses
*Additional waiting periods for Petsecure include 14 days for illnesses and six months for cruciate ligament, intervertebral disc disease and dental.
Petsecure vs. Pets Plus Us
Petsecure
Use any licensed vet in the U.S. or Canada
Includes routine dental care in all plans
Only pay your deductible once per policy year, no matter how many claims you make
Pays you typically in a few days
Pets Plus Us
Offers flexibility in choosing a vet
Does not offer routine dental care
Includes one annual deductible
Has reported an average claim time of 15 – 20 days on their website
Petsecure vs. Furkin
Petsecure
Covers prescription fees in all plans
Use any licensed vet in the U.S. or Canada
Includes routine dental care in all plans
Only pay your deductible once per policy year, no matter how many claims you make
Pays you typically in a few days
Furkin
Covers prescription fees
Offers flexibility in choosing a vet
Does not cover routine dental care
Includes one annual deductible
May take 14 days to process your claim
Petsecure vs. Fetch
Petsecure
100% Canadian-owned and operated company
Use any licensed vet in the U.S. or Canada
Includes routine dental care in all plans
Covers taxes and exam fees in all plans
Only pay your deductible once per policy year, no matter how many claims you make
Pays you typically in a few days
Fetch
U.S. based company
Offers flexibility in choosing a vet
Covers dental disease and injury. Routine dental can be added on with their wellness plan
Covers exam fees but not taxes
Offers an annual deductible
May take up to 15 days to process claims
Petsecure vs. Spot
Petsecure
100% Canadian-owned and operated company
Covers prescription fees in all plans
Use any licensed vet in the U.S. or Canada
Includes routine dental care in all plans
Plans that are straightforward and easy to understand
Spot
U.S. based company
Covers prescription fees
Offers flexibility in choosing a vet
Covers dental accidents but offers routine dental care only as an extra-cost add-on
Low user reviews for their app may suggest a frustrating user experience
These comparisons are based on written documentation from each of the above companies’ public-facing websites and sample policies as of March 20, 2026. This comparison guide is only intended to summarize features, not provide details on specific plans or coverage amounts. We encourage all consumers to conduct their own thorough research and to review the full policy details from each provider to make an informed choice that is right for them and their pet.
Pet insurance plans for dogs and cats
We offer four comprehensive plans to meet the diverse needs of our customers and their pets.