Best options for your pet
7 insurers + financing · free, you choose.
🎛 Filters •
Accident & illness are confirmed; specific add-ons (dental, travel…) are being verified per provider — confirm before buying.
Figures are estimates, not quotes — confirm the exact price & terms with each provider.
Pet insurance
SpotBest match
Accident & Illness (Levels 2–4) · Northbridge (PTZ Insurance Services) · 2 plans · From $30/mo
Reimbursement90%
DeductibleAnnual, age-based
Annual limitUp to $10,000
Waiting14d
Costco Pet Insurance
Accident · Northbridge (PTZ Insurance Services) — Pets Plus Us program · From $11/mo
Reimbursement80%
DeductiblePer-condition ($100/$200/$500)
Annual limit$5,000
Waiting2d
Pets Plus Us
Accident · Northbridge (PTZ Insurance Services) · From $12/mo
Reimbursement80%
DeductiblePer-condition ($100/$200/$500)
Annual limit$5,000
Waiting2d
Peppermint
Lite (Accident Only) · Petline · From $12/mo
Reimbursement80%
DeductibleAnnual $100 (age-based to $500)
Annual limit$1,500
Waiting14d
Desjardins Pet Insurance
Bronze Paw (Accident Only) · Petline · From $15/mo
Reimbursement80%
DeductiblePer-condition ($150–$500, age-based)
Annual limit$8,000
Waiting14d
24PetWatch
Extra Plan · Northbridge (PTZ Insurance Services) · 2 plans · From $20/mo
Reimbursement80%
DeductibleAnnual ($100/$250/$500/$1,000)
Annual limit$3,000
Waiting14d
Pet financing & payment plans
Vet bills, paid over time — compare financing & buy-now-pay-later.
🧮 Not sure what you can afford? Calculator →LendCare
Max$25,000
Term60 months
Ratevaries — on application
Decision~15 min
Point-of-sale financing at the clinic
Affirm
Max$30,000
TermPay in 4 or monthly installments
Ratevaries — on application
Decision~1 min
Formerly PayBright
Sezzle
Max$2,500
TermPay in 4 (every 2 weeks)
Ratevaries — on application
Decision~1 min
Interest-free pay-in-4
Scratchpay
Max$10,000
Term24 months
Ratevaries — on application
Decision~5 min
Built for veterinary care
Afterpay
Max$2,000
TermPay in 4 (every 2 weeks)
Ratevaries — on application
Decision~1 min
Interest-free pay-in-4
Petcard
TermMonthly installments
Ratevaries — on application
Decisionvaries
CVMA-endorsed
humm
Max$30,000
Term5 years
Ratevaries — on application
Decision~7 min
$1–$30,000
Medicard
Max$50,000
Term60 months
Ratevaries — on application
Decisionvaries
Sister brand to Petcard (iFinance)
Health Smart Financial Services
Max$30,000
Term72 months
Ratevaries — on application
Decisionvaries
Health & veterinary procedures
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