What You Should Know About Pet Insurance in Ontario

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Is pet insurance in Ontario worth it? How much is pet insurance in Canada? What are the cheapest dogs to insure? And what’s the most expensive dog to insure in 2021 in Canada?

The Ontario Veterinary Medical Association (OMVA) believes that buying pet insurance coverage should be a simple process. The OVMA Pet Health Insurance Program was designed to address this issue. The program is the only pet insurance program established and backed by Ontario veterinarians, and it provides excellent coverage at an affordable price.

The OVMA Pet Health Insurance Program includes the following features:

  • A wide range of coverage options to suit your needs and budget.
  • There are no surprises because the coverage is very transparent.
  • Alternative treatment, behavioral therapy, medical gadgets, and routine dental cleanings are all covered.
  • Coverage and claims assistance are available 24 hours a day, 7 days a week.
  • Claims are processed quickly.
  • Customer loyalty discounts are available.
  • The insurance can choose to pay the veterinary practice directly.

Furthermore, the Farley Foundation, which assists low-income pet owners in Ontario by paying the cost of veterinarian treatment for their pets, receives 100% of the proceeds from each coverage.


Pet Insurance Policies Come in a Variety of Forms

There are three basic insurance alternatives for your pet in Ontario, which differ according to the company. 

  • Accident – In the event of an unexpected accident, such as getting hit by a car, accident coverage will often cover the cost of emergency veterinary care and treatment up to a specified sum.
  • Accident and illness – This includes the same coverage as accident insurance plus illness insurance, which typically covers treatment for illnesses, hospitalization, surgery, and other expenses.
  • Preventive — Some companies have started offering programs that allow pet owners to pay fixed monthly prices for routine care like vaccinations and annual examinations.
  • Additional coverage options – Many companies offer add-on coverage for things like rehabilitation, acupuncture, boarding fees, liability for third-party property damage, cremation  or burial, and more.

Deductibles and percentages of cost coverage can frequently be changed to alter the plan’s cost.

What is the average cost of pet insurance in Ontario? Aside from the influence deductibles and pet insurance discounts might have on the pet insurance cost, other key determinants of your pet insurance premium in Canada are the company, location and type of services requested.

The average cost of pet insurance in Canada is $29 per month for a cat and $39 per month for a dog. The top 5 cheapest breeds of dog to insure in Canada in 2021 are Cocker Spaniel, Patterdale Terrier, Beagle, Labradoodle, and Cockerpoo. The most expensive dog to insure in Canada is Bordeaux Mastiff.

What Questions Should You Ask Before Buying Dog Insurance in Canada?

What Questions Should You Ask Before Buying Pet Insurance in Canada

When getting pet health insurance in Canada, it’s critical to make an informed decision. Read through all the frequently asked questions to avoid unnecessary pet insurance mistakes in Ontario. Don’t just jump because if you have the money and an agent is standing by to give you what they believe to be a good quote.

Before you have to file a claim, be sure you understand how your insurance works and what is covered. 


Before purchasing what your agent believes to be the most affordable pet insurance quote, here are some questions to consider:

  • What kind of illnesses and injuries are covered by this policy?
  • What is and isn’t covered?
  • What is the definition of an accident?
  • Is there a list of breeds that aren’t allowed? (For example, it will not cover certain hereditary diseases that are widespread in specific breeds.)
  • Is my pet insured if we go outside of the province or country?
  • If I file a claim, would my premium go up? Do they alter with time or as my pet grows older?
  • What is the procedure for filing a claim? Is it necessary for me to pay the veterinary charge in advance?
  • How long does it take for a claim to be processed?
  • Is there a time limit on when I can file my first claim?
  • What is the impact of enrolling numerous pets on my plan?
Editorial Team
We are passionate about the insurance industry. Our primary goal is to become your one-stop shop for everything insurance. We work with various insurance companies, agents, brokers, marketers, and blogs to ensure we serve you better. Whether you want to learn about aviation, auto, business, boat, disability, farm, health, home, life, travel, yoga, or plumbing insurance, we've got you covered. For inquiries, send us an email to [email protected]

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