Why Choose Pet Insurance?

Pet insurance is a smart way for pet owners to protect both their beloved animals and their finances. Just like people, pets can experience unexpected illnesses or accidents, and treatment can quickly become expensive. Having insurance can help cover the costs of non-pre-existing conditions or sudden emergencies, giving owners peace of mind during already stressful and emotional times. Instead of being forced to make a heartbreaking decision based on cost, pet insurance allows families to focus on getting their furry companions the care they need.

Disclaimer:

Arrowsmith Animal Hospital receives no financial incentives, commissions, or discounts from any pet-insurance provider.

Our sole aim is to give our clients clear, up-to-date information so you can choose the plan that fits your family best. We strongly encourage every pet owner to carry insurance—unexpected veterinary bills can arrive at any time, and coverage protects both your pet’s health and your peace of mind.

This information was current as of July 2025.

What is Pet Insurance?

Pet insurance is a type of insurance policy that helps by covering a significant portion of your veterinary bill, making it easier to provide the best care for your pet without worrying about the financial strain.

Good for: Owners who want no cap on a pets care and appreciate real time billing
Unlimited lifetime payouts and VetDirect Pay
Up to 90% reimbursement
Learn more at https://www.trupanion.com/en-ca/pet-insurance

Good for : broad, "all-in" coverage with flexible deductibles.
Accident + illness plan with optional routine-care add-on, exam fees included, hereditary &dental disease covered
Up to 90% reimbursement and annual limits from $2500 to unlimited.
Learn more at https://www.fetchpet.com/canada

Member discounts: BCAA members save 13.5 %; Costco members receive preferred pricing and a free first month. bcaa.com
Accident or Accident + Illness ($7.5 k or $15 k limits), wellness “Flex Care” add-on, and a suite of Blue-Ribbon perks (24/7 vet-helpline, lost-pet ads, etc.).
Learn more at: petsplusus.com

Coverage highlights: Accident-only or Accident + Illness plans, annual limits up to
unlimited, up to 90 % reimbursement, 24/7 tele-health line, and no upper age limit.
Good for: Customizable limits/deductibles and optional wellness care.
Learn more: https://spotpetinsurance.ca (Canadian portal) spotpet.com

Offers comprehensive accident and illness coverage for dogs and cats.
Up to CAD/ USD 20,000 per policy year, renewing automatically each year—no
per‑incident or per‑condition limits, and no lifetime caps.
Reimbursement rate: typically 80%, with three deductible options based on age.
No restrictions on veterinary provider: You can use any licensed vet in Canada or the U.S., including emergency or referral hospitals
https://www.furkin.com/

Why Choose Pet Insurance?

Disclaimer:

What is Pet Insurance?

Good for : broad, "all-in" coverage with flexible deductibles.

Accident + illness plan with optional routine-care add-on, exam fees included, hereditary &dental disease covered

Up to 90% reimbursement and annual limits from $2500 to unlimited.

Learn more at https://www.fetchpet.com/canada

Member discounts: BCAA members save 13.5 %; Costco members receive preferred pricing and a free first month. bcaa.com

Accident or Accident + Illness ($7.5 k or $15 k limits), wellness “Flex Care” add-on, and a suite of Blue-Ribbon perks (24/7 vet-helpline, lost-pet ads, etc.).​​

Learn more at: petsplusus.com

Coverage highlights: Accident-only or Accident + Illness plans, annual limits up to unlimited, up to 90 % reimbursement, 24/7 tele-health line, and no upper age limit.

Good for: Customizable limits/deductibles and optional wellness care.

Learn more: https://spotpetinsurance.ca (Canadian portal) spotpet.com

Offers comprehensive accident and illness coverage for dogs and cats.

Up to CAD/ USD 20,000 per policy year, renewing automatically each year—no per‑incident or per‑condition limits, and no lifetime caps.

Reimbursement rate: typically 80%, with three deductible options based on age.

No restrictions on veterinary provider: You can use any licensed vet in Canada or the U.S., including emergency or referral hospitals

https://www.furkin.com/

Accident or Accident + Illness ($7.5 k or $15 k limits), wellness “Flex Care” add-on, and a suite of Blue-Ribbon perks (24/7 vet-helpline, lost-pet ads, etc.).

Coverage highlights: Accident-only or Accident + Illness plans, annual limits up to
unlimited, up to 90 % reimbursement, 24/7 tele-health line, and no upper age limit.

Up to CAD/ USD 20,000 per policy year, renewing automatically each year—no
per‑incident or per‑condition limits, and no lifetime caps.