Claims paid directly to your vet at checkout
5.0
Price
Coverage
Reviews
- Pays vet bills in real time at checkout
- Extensive coverage with no caps or limits
- No age-based annual price rises
- Over $3 billion paid in claims
- Voted #1 by veterinarians
Excellent
What's covered
Accidents
Provides coverage for diagnostics like X-rays, MRIs and CT scans, plus surgeries, hospitalization and prescription meds for accidents, including:
- Animal bites
- Broken bones
- Heatstroke
- Poisoning
- Swallowed objects
- Vehicle accidents
Accident Claim Example
Your pet swallows a toy and needs emergency surgery to remove it.
Total vet bill:
$4,200
Trupanion pays:*
$3,690
You pay:*
$510
*Assuming you choose a plan with a 10% copay and $300 deductible.
Illnesses
Provides coverage for X-rays, ultrasounds and CT scans, as well as surgeries, hospital stays and medication when your pet gets sick after their plan has started. Illness coverage includes;
- Heart disease
- Allergies
- Patellar luxation
- Cancer & growths
- Kidney disease
Illness Claim Example
Your pet develops pancreatitis and needs hospitalization and IV fluids.
Total vet bill:
$3,600
Trupanion pays:*
$3,150
You pay:
$450
*Assuming you choose a plan with a 10% copay and $300 deductible.
Trupanion offers one simple pet insurance plan, that’ll cover any accident & new illness. There are no financial caps with the plan, and you have a fixed 10% copay for all claims, plus a lifetime per-incident deductible (flexible to your budget), meaning you’ll only pay a deductible once for each condition your pet has during its lifetime.
Trupanion is unique in offering its VetDirect Pay™ service, meaning that instead of paying the vet bill up front and waiting to be reimbursed, Trupanion can pay your vet directly at checkout.
The way Trupanion pricing works is that it’ll never put pricing up just because your pet gets older. So, if you sign your pet up aged 1 they’ll always be priced as a 1 year old.
Rated 4.7 on Trustpilot (8,091 reviews)
5.0
Price
Coverage
Reviews
- Covers any new accident or illness, including hereditary conditions
- No networks - use any vet or emergency pet hospital
- Cancel anytime with zero fees
- Over $2,500 in inclusive promo codes to all policyholders
- Rated as the Best Pet Insurance 2025
Excellent
What's covered
Accidents
Provides coverage for X-rays, MRIs, stitches, anesthesia, surgeries and medication for accidents, including:
- Animal bites
- Broken bones
- Heatstroke
- Poisoning
- Swallowed objects
- Vehicle accidents
Accident Claim Example
Your pet gets bitten by another dog at the park and needs emergency surgery.
Total vet bill:
$2,310
Spot pays:*
$1,989
You pay:
$321
*Assuming you choose a plan with a 10% copay and $100 deductible
Illnesses
Provides coverage for ver exam fees, diagnostics eg X-rays and MRIs, surgeries, hospitalization and medication when your pet has a new illness once his plan begins. Illnesses covered include:
- Allergies
- Arthritis
- Cancer
- Digestive issues
- Hip dysplasia
- UTIs
Illness Claim Example
Your pet ruptures their knee joint and needs surgery.
Total vet bill:
$8,890
Spot pays:*
$7,911
You pay:
$979
*Assuming you choose a plan with a 10% copay and $100 deductible
Spot Pet Insurance offers a full-service pet insurance plan, with almost no limitations. You can select from $5,000 annual coverage, all the way to unlimited, meaning even the most expensive vet bills are covered. There is a choice of options for out-of-pocket expenses such as deductibles and copays, and you can change these every 12 months to suit your budget.
Spot Pet Insurance is a very highly rated provider, scoring 4.7 on Trustpilot, from nearly 8,000 pet parents.
The Spot Pet Insurance plan covers any accident, new illness, including dental disease, and also offers an optional routine wellness plan for your pet’s regular preventative needs.
Excellent dental coverage also included
5.0
Price
Coverage
Reviews
- Very competitively priced for most pets
- All major and minor accidents and illnesses covered
- The best dental coverage also included for no extra fee
- Now includes the option to add a routine wellness plan
- Rated “Excellent” on Trustpilot
Excellent
What's covered
Accidents
Provides coverage for diagnostics like MRIs and X-rays, plus exams, surgeries, hospitalization and prescription meds for accidents, including:
- Animal bites
- Broken bones
- Heatstroke
- Poisoning
- Swallowed objects
- Vehicle accidents
Accident Claim Example
Your pet has broken their hip after falling down the stairs and needs surgery.
Total vet bill:
$11,980
Fetch pays:
$10,512
You pay:*
$1,468
*Assuming you choose a plan with a 10% copay and $300 deductible.
Illnesses
Provides coverage for ver exam fees, diagnostics eg X-rays and MRIs surgeries, hospitalization and medication when your pet has a new illness once his plan begins. Illnesses covered include:
- Allergies
- Arthritis
- Cancer
- Digestive issues
- Hip dysplasia
- UTIs
Illness Claim Example
Your pet develops a severe ear infection that spreads and requires multiple vet visits, medication, and lab tests.
Total vet bill:
$1,850
Fetch pays:*
$1,395
You pay:
$455
*Assuming you choose a plan with a 10% copay and $300 deductible.
Fetch is a very consistent all-rounder that combines solid coverage and competitive pricing.
As well as covering accidents and new illnesses, Fetch has the best dental coverage of any provider too, with every tooth covered against accidents and illness. Periodontal disease is also covered, which many other providers do not cover.
The Fetch plan also includes $1,000 in virtual vet visits, with no copay required. This is ideal if you either cannot get to the vet or if you’re not sure and are just seeking advice. This service works by phone, text, email or video chat with a vet.
One simple, easy-to-understand plan!
5.0
Price
Coverage
Reviews
- One plan with three deductibles
- Owned by trusted brand Trupanion
- 5% multi-pet discount
- Includes pet ownership benefits
- FREE 24/7 pet telehealth
Rated Excellent 4.8 on
What's covered
Accidents
Provides coverage for diagnostics like X-rays, MRIs and CT scans, plus surgeries, hospitalization and prescription meds for accidents, including:
- Animal bites
- Broken bones
- Heatstroke
- Poisoning
- Swallowed objects
- Vehicle accidents
Accident Claim Example
Your pet got hit by a car and needs surgery on a broken leg.
Total vet bill:
$6,744
Furkin pays:*
$5,295
You pay:
$1,449
*Assuming you choose a $100 deductible. Furkin pays 80% reimbursement as standard.
Illnesses
Provides coverage for vet exam fees and diagnostics such as X-rays and MRIs, as well as medical procedures and referral and specialist fees when your pet gets sick after their plan has started. Illness coverage includes:
- Diabetes
- Cancer
- Allergies
- IVDD
- Arthritis
- Digestive issues
Illness Claim Example
Your pet is diagnosed with cancer and undergoes chemotherapy.
Total vet bill:
$8,500
Furkin pays:*
$6,720
You pay:
$1,780
*Assuming you choose a $100 deductible. Furkin pays 80% reimbursement as standard.
Furkin Pet Insurance offers comprehensive coverage designed to protect your pet against life’s unexpected health issues. Every plan covers accidents and new illnesses, with up to $20,000 in annual coverage. Sick visit exam fees and applicable taxes are included, so you’re protected from the full cost of vet care when your pet needs it most.
All plans also include 24/7 pet telehealth, giving you instant access to professional advice anytime, day or night. Plus, Furkin adds over $3,000 in extra benefits with every plan – helping you save on everyday pet care and emergencies alike.
Furkin is one of Canada’s highest-rated pet insurers, with a 4.8 rating on Reviews.io and 98% of reviewers recommending them. More than 15,000 happy pet parents trust Furkin to keep their pets healthy and protected.