Pet ownership in Canada continues to grow, and with it, the demand for reliable pet insurance that can cover pets for life. Veterinary care costs are rising every year, and a single accident or chronic illness can result in thousands of dollars in bills. This is why more Canadians are choosing pet insurance plans with lifetime coverage.
Lifetime pet insurance is the most comprehensive form of coverage because it provides continuous protection for accidents, illnesses, hereditary conditions, and ongoing treatments for as long as you keep renewing the policy. Unlike time-limited or per-condition plans, lifetime coverage ensures your pet is never left without protection when they need it most.
In this detailed guide, we have reviewed the 15 best pet insurance companies offering lifetime coverage in Canada. You will learn about their premiums, coverage limits, key features, and how they compare. We have also included a detailed FAQ section to answer the most common questions Canadian pet owners ask before buying insurance.
Why Lifetime Coverage Is Important for Canadian Pet Owners
Veterinary care in Canada is expensive. Common surgeries like cruciate ligament repairs can cost $3,000–$6,000, while chronic illnesses like diabetes or cancer can lead to thousands in ongoing treatment costs.
Lifetime coverage ensures:
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Continuous protection: Once a condition is covered, it remains covered every year as long as you renew.
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Chronic illness support: Pets with long-term illnesses are protected from exclusions.
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High annual limits: Lifetime policies typically provide larger annual benefit amounts.
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Peace of mind: You never have to choose between treatment and cost.
What to Look for in a Lifetime Pet Insurance Plan in Canada
When evaluating the best pet insurance companies, consider the following:
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Annual coverage limits: Look for plans with high or unlimited annual benefit caps.
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Reimbursement percentage: Most Canadian insurers reimburse 70–90% of eligible costs.
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Chronic illness coverage: Ensure the policy covers conditions like arthritis or diabetes for the life of your pet.
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Waiting periods: Check how soon the policy starts covering accidents and illnesses.
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Exclusions: Understand what’s not covered, such as pre-existing conditions or elective procedures.
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Premium stability: Choose insurers with a history of stable pricing.
Summary Table: 15 Best Pet Insurance Companies with Lifetime Coverage in Canada
| Pet Insurance Provider | Average Monthly Premium (Dog) | Annual Coverage Limit | Reimbursement Options | Key Features |
|---|---|---|---|---|
| Trupanion Canada | $70–$100 | Unlimited | 90% | Lifetime coverage with no payout limits, direct-to-vet payment option |
| Fetch by The Dodo | $50–$90 | $5,000–Unlimited | 70–90% | Covers holistic care and dental illnesses |
| Petsecure (Economical) | $40–$85 | $1,000–Unlimited | 80% | Longstanding Canadian insurer, strong accident & illness coverage |
| Desjardins Pet Insurance | $40–$80 | $1,000–Unlimited | 80% | Discounts for multiple pets and loyalty |
| Furkin Pet Insurance | $45–$75 | $20,000 annual limit | 80% | 24/7 telehealth access, simple pricing |
| Pets Plus Us | $40–$85 | $5,000–$15,000 annual | 70–90% | Wellness care add-ons and flexible limits |
| OVMA Pet Health Insurance | $45–$80 | Unlimited | 80% | Recommended by veterinarians in Ontario |
| Costco Pet Insurance | $35–$75 | $1,000–Unlimited | 80% | Exclusive member discounts, easy claims process |
| Sonnet Pet Insurance | $40–$70 | $5,000–$15,000 annual | 80% | Fully digital policy management |
| PC Pet Insurance | $35–$70 | $1,000–Unlimited | 80% | Available at Loblaw’s stores and online |
| BMO Pet Insurance | $40–$75 | $5,000–$15,000 annual | 80% | Backed by a major Canadian bank |
| Co-operators Pet Insurance | $35–$70 | $2,500–Unlimited | 80% | Flexible plans with accident & illness options |
| Wawanesa Pet Insurance | $40–$70 | $5,000–Unlimited | 80% | Known for strong customer service |
| Insurdinary Pet Insurance | $35–$65 | $2,500–Unlimited | 70–90% | Marketplace comparing multiple insurers |
| Petplan Canada | $45–$85 | $2,500–Unlimited | 70–90% | Broad coverage including alternative therapies |
Premiums are estimates for healthy dogs and vary by breed, age, and location.
Detailed Reviews: 15 Best Pet Insurance Companies with Lifetime Coverage in Canada
1. Trupanion Canada
Why it’s great: Trupanion is widely recognized as one of the best lifetime coverage providers. It offers unlimited annual and lifetime benefits, which means you never have to worry about your pet running out of coverage.
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Premiums: $70–$100/month.
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Coverage: Accident, illness, hereditary conditions, dental illnesses.
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Key features: Direct payment to vets and no annual caps.
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Best for: Pet owners who want unlimited lifetime protection.
2. Fetch by The Dodo
Fetch provides customizable lifetime coverage with a strong focus on preventive and alternative care.
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Premiums: $50–$90/month.
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Annual limit: $5,000–Unlimited.
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Features: Includes dental disease and holistic therapy.
3. Petsecure (Economical)
One of Canada’s longest-standing pet insurers, Petsecure is trusted by many veterinarians.
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Premiums: $40–$85/month.
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Coverage: Lifetime accident & illness, with wellness care add-ons.
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Benefits: Multi-pet discounts and customizable limits.
4. Desjardins Pet Insurance
Backed by a large Canadian financial group, Desjardins offers comprehensive lifetime plans.
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Premiums: $40–$80/month.
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Features: Loyalty discounts and a wide range of optional add-ons.
5. Furkin Pet Insurance
Furkin is a modern Canadian pet insurer offering simple, all-inclusive plans.
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Premiums: $45–$75/month.
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Annual limit: $20,000.
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Extra benefits: 24/7 virtual vet access and coverage for exam fees.
6. Pets Plus Us
Pets Plus Us is known for its flexible coverage options and member rewards.
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Premiums: $40–$85/month.
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Annual limit: $5,000–$15,000.
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Key features: Includes emergency boarding and theft coverage.
7. OVMA Pet Health Insurance
This plan is endorsed by the Ontario Veterinary Medical Association, ensuring strong coverage.
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Premiums: $45–$80/month.
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Coverage: Unlimited lifetime benefits with 80% reimbursement.
8. Costco Pet Insurance
Costco members can access discounted pet insurance through this plan.
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Premiums: $35–$75/month.
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Benefits: Loyalty rewards and multi-pet discounts.
9. Sonnet Pet Insurance
Sonnet offers fully digital pet insurance with lifetime protection.
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Premiums: $40–$70/month.
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Coverage: Annual limits of $5,000–$15,000.
10. PC Pet Insurance
Available at Loblaw’s retail locations and online, PC Pet Insurance is a convenient option.
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Premiums: $35–$70/month.
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Coverage: Lifetime accident and illness plans.
11. BMO Pet Insurance
BMO offers a solid lifetime pet insurance plan with flexible coverage options.
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Premiums: $40–$75/month.
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Extra benefits: Backed by a major Canadian bank with strong claims processing.
12. Co-operators Pet Insurance
Known for strong community presence, Co-operators offers comprehensive plans.
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Premiums: $35–$70/month.
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Features: Accident & illness plans with lifetime protection.
13. Wawanesa Pet Insurance
Wawanesa is a trusted Canadian insurer now offering lifetime pet coverage.
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Premiums: $40–$70/month.
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Features: Flexible annual limits and high customer satisfaction scores.
14. Insurdinary Pet Insurance
Insurdinary is a marketplace that connects pet owners with multiple lifetime pet insurers.
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Premiums: $35–$65/month.
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Benefits: Ability to compare plans and find the best premium.
15. Petplan Canada
Petplan is known for its wide range of coverage and support for alternative treatments.
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Premiums: $45–$85/month.
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Coverage: Lifetime accident & illness, dental, and rehabilitation care.
How to Choose the Right Lifetime Pet Insurance in Canada
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Evaluate your pet’s needs: Consider breed, age, and any hereditary conditions.
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Compare premiums and limits: Make sure the plan fits your budget long-term.
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Check claim turnaround time: Choose insurers with fast, reliable claim payouts.
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Understand exclusions: Read the fine print to avoid surprises.
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Use multi-pet discounts: If you have more than one pet, bundle to save money.
FAQs: Lifetime Pet Insurance in Canada
1. What is lifetime pet insurance?
Lifetime pet insurance covers your pet for accidents and illnesses for their entire life, as long as you keep renewing the policy.
2. Does lifetime coverage include pre-existing conditions?
No. Pre-existing conditions diagnosed before the policy starts are excluded.
3. How much does lifetime pet insurance cost in Canada?
On average, premiums range from $35–$100 per month, depending on your pet’s age and breed.
4. Are there unlimited lifetime plans available?
Yes. Companies like Trupanion and OVMA offer unlimited annual and lifetime coverage.
5. Can I use any veterinarian in Canada?
Yes. Most insurers allow you to use any licensed vet across Canada.
6. Do premiums increase as my pet gets older?
Yes. Premiums may increase due to age, inflation, and veterinary cost trends.
7. Are alternative therapies covered?
Many lifetime plans, such as those from Fetch and Petplan, cover alternative therapies like acupuncture.
8. Is dental care included in lifetime pet insurance?
Yes, but some insurers only cover dental illnesses, not routine cleanings.
9. How can I save on pet insurance?
Use multi-pet discounts, choose a higher deductible, and compare quotes before committing.
10. What happens if I miss a premium payment?
Missing a payment may result in cancellation, and you could lose lifetime coverage for pre-existing conditions.
Conclusion
Choosing one of the 15 best pet insurance companies offering lifetime coverage in Canada ensures that your dog or cat is protected for the rest of their life. Providers like Trupanion, Petsecure, Desjardins, and Fetch by The Dodo stand out for their unlimited or high annual coverage limits, strong customer service, and comprehensive accident and illness protection.
To get the best policy:
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Compare multiple quotes using the table above.
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Check what conditions are covered for life.
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Choose a provider with a strong track record in Canada.
By investing in a lifetime pet insurance plan, you can avoid financial stress and ensure your pet receives the best veterinary care whenever they need it.