Pet Insurance and Animal Insurance Plans

Now is not the time for unexpected vet bills.

One low monthly payment covers up to 90%, including what other providers don’t.

Unexpected vet visit? Here’s how Petplan pet insurance works


Get treatment

Visit any licensed veterinarian in Canada or the U.S. For those times when your pup thinks the remote is for dinner.


File a claim

Submit a pet insurance claim online or from your phone with the Petplan app. Because less paperwork is the best kind.


Be reimbursed

Look out for a wallet refill once your claim is approved. 

Note: Petplan, like most other pet insurance plans, does not cover routine and preventive visits, pre-existing conditions, or elective procedures.

Because pets are family℠

We’re animal lovers just like you. We started Petplan pet insurance to give you the coverage, support and resources you need to be the best pet parent ever.

I’ve had Petplan for several years now and it has really paid for itself with my diabetic Labrador Retriever. Just a couple of weeks ago she got sick with pancreatitis and was hospitalized for over a week. The bills were over $5,000 … Petplan was very understanding and considerate during this difficult time and took care of everything easily.

Michael B.


Out of all the insurers, Petplan’s model and coverage worked best for us. We cover routine care, Petplan covers illnesses and accidents; what’s not to like? Well, shortly after we put Quincy on the plan, [he] … became very ill and needed emergency treatment. Petplan saved the day by covering $4,500 of the $5,000 procedure! Unreal!

Laura P.


I’ve had Petplan insurance on my dogs since they were young pups. This year, my now 11 year old Husky had cataract surgery, costing almost $4,000. I wasn’t sure if his insurance would pay off after all these years, but today I received a check from Petplan covering nearly the entire cost! I would recommend Petplan to anyone.

Rebecca O.


My Beagle mix Molly had torn both ligaments in her back legs and had to get 2 TPLO surgeries. So thankful for Petplan because including therapy plus the surgeries it would have cost over $12,000! Where I will only be having to pay back $4,000 out of my own pocket after all is said and done. Petplan is a true life saver!

Marcy S.


Frequently asked questions

  • Yes, pet insurance exists and helps to pay veterinary costs when your pet gets hurt, becomes ill or needs treatment. Pet insurance does not cover pre-existing conditions, preventive care or wellness visits like dental cleaning or annual shots, but it does pay you back for costly, unexpected trips to the vet.

  • Pet insurance works by reimbursing you up to 90% of the cost of veterinary bills for covered accidents, injuries and illnesses after you satisfy your coinsurance and annual deductible. Once you are a policyholder and have met your waiting periods, simply visit a licensed veterinarian, submit your claim and medical records to your insurance company and get reimbursed for qualifying costs. Find out more about how pet insurance works.

  • Pet insurance covers the unexpected accidents and illnesses dogs and cats face throughout their lives, including injuries such as fractured teeth and diseases such as cancer. It covers any necessary testing and treatment for conditions, including holistic therapies, as well as prescription medications. Check out our blog for more detail about pet insurance coverage.

  • You can get pet insurance quote by visiting a pet insurance company’s website or by calling a licensed insurance agent. Most pet insurance providers staff their call center with licensed agents who can help you get a quote and enroll your dog or cat in an insurance policy the same day. Read more about how to get pet insurance.

  • There are a number of factors that go into deciding if you should get pet insurance, including your pet’s age and health, your current financial situation and your attitude towards their care. If you consider your pet to be family and want to be able to give them the best treatment for future health problems, paying a low monthly premium for a health insurance plan can be a very valuable investment in their medical care. Discover more about why you should get pet insurance.

  • Like all types of insurance, there are always pros and cons to consider, but pet insurance is worth it if you want to give your four-legged family member the best veterinary care and want the peace of mind that comprehensive coverage for your dog or cat provides. Paying for veterinary care without pet insurance means you will be fully responsible for the out-of-pocket costs of your pet’s healthcare, and you will not be reimbursed any of the money you pay for care costs during their life. Read our blog to determine if pet insurance is worth it for you.


Come join the pack

Choose from different reimbursement options that fit you. But first, let’s get to know your pet.

Dog Cat

Pet’s Name

How old is your pet?

Select your pet’s breed

Zip/Postal Code


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