Cheapest Pet Insurance Rates in Canada
Discover 3 deals available this month.
1.Peppermint
Peppermint offers budget-friendly pet insurance in Canada with accident-and-illness plans starting at about $10 per month, among the lowest entry-level premiums available for dogs and cats.
View Deal →At around $10 monthly, Peppermint stands out as one of the most affordable options for basic pet insurance coverage in Canada.
Pros:
- Low starting premium around $10/month
- Covers both accidents and illnesses
- Competitive pricing for entry-level plans
Cons:
- Limited information on coverage details
- May not include comprehensive benefits compared to higher-priced plans
- Primarily focused on budget-conscious customers, potentially limiting options
2.Pet Plan (now Fetch in Canada)
Pet Plan (now Fetch in Canada) offers comprehensive accident-and-illness coverage starting at about $20/month, making it one of the more affordable full-coverage pet insurance options in Canada.
View Deal →At around $20 per month, Pet Plan provides a well-rounded insurance option for pet owners seeking broad protection without a premium price tag.
Pros:
- Comprehensive accident-and-illness coverage
- Starting premiums are competitively low for full coverage
- Available nationally across Canada
Cons:
- Pricier than budget-focused insurers like Peppermint
- No mention of additional discounts or deals
- May not offer as many plan customization options as some competitors
3.Desjardins Pet Insurance
Desjardins Pet Insurance offers multiple pet plans with starting premiums around $20 per month, providing competitively priced basic coverage options. It is a major Canadian insurer known for accessible accident and illness coverage.
View Deal →At about $20 a month, Desjardins delivers affordable basic pet insurance plans suitable for Canadian pet owners seeking balanced coverage without breaking the bank. Its competitive pricing makes it a solid choice among entry-level options.
Pros:
- Starting premiums around $20/month offer accessible pricing
- Multiple pet plans available to suit different needs
- Backed by a major Canadian insurer with established reputation
Cons:
- Basic coverage tiers may lack more comprehensive benefits
- Pricing is higher compared to ultra-budget competitors like Peppermint
- Details on coverage limits or add-ons are not specified
Final Words
To secure the best pet insurance rates this January, take time to compare plans from providers like Peppermint, Pet Plan, and Desjardins to find coverage that fits your budget and your pet’s needs. You can explore current offers to ensure you get reliable protection at the most affordable price available.
Frequently Asked Questions
Peppermint offers the cheapest pet insurance rates in Canada this January 2026, with accident-and-illness plans starting around $10 per month. It's known for having some of the lowest entry-level premiums for both dogs and cats.
Peppermint provides accident-and-illness coverage designed to be affordable for pet owners. Their plans cater to basic needs while maintaining some of the lowest premiums available in the Canadian market.
Yes, Peppermint offers budget-friendly accident-and-illness pet insurance plans for both dogs and cats, making it a versatile choice for Canadian pet owners.
Other providers like Pet Plan (now Fetch in Canada) and Desjardins Pet Insurance offer accident-and-illness coverage starting around $20 per month. While these are competitively priced for full coverage or basic tiers, Peppermint’s rates tend to be among the lowest.
When comparing pet insurance plans, consider factors like coverage scope (accident-only vs. accident-and-illness), monthly premiums, and plan flexibility. It’s also important to check if the insurer offers plans suitable for your pet’s species and age.
Full-coverage plans typically start around $20 per month with providers like Pet Plan (Fetch) and Desjardins. Peppermint offers more budget-friendly plans starting at about $10 monthly, but these focus on accident-and-illness coverage rather than comprehensive full coverage.
