{"id":81789,"date":"2026-07-02T22:00:26","date_gmt":"2026-07-03T02:00:26","guid":{"rendered":"https:\/\/www.assur360.ca\/dog-and-cat-insurance-in-quebec-2026-complete-guide\/"},"modified":"2026-07-02T22:01:01","modified_gmt":"2026-07-03T02:01:01","slug":"dog-and-cat-insurance-in-quebec-2026-complete-guide","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/dog-and-cat-insurance-in-quebec-2026-complete-guide\/","title":{"rendered":"Dog and Cat Insurance in Quebec 2026 \u2014 Complete Guide"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n<p><!-- HERO informatif (pas de CTA) --><\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border-radius:20px;padding:56px 40px;margin:24px 0 32px;box-shadow:0 20px 50px rgba(13,31,45,0.22);text-align:center;\">\n  <p style=\"color:#10c4c7;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:3px;margin:0 0 14px;\">Informative guide \u00b7 Quebec 2026<\/p>\n  <h1 style=\"color:#ffffff;font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,40px);font-weight:800;margin:0 0 18px;line-height:1.2;max-width:820px;margin-left:auto;margin-right:auto;\"><span class=\"ez-toc-section\" id=\"Dog-and-Cat-Insurance-in-Quebec-%E2%80%94-Complete-Guide\"><\/span>Dog and Cat Insurance in Quebec \u2014 Complete Guide<span class=\"ez-toc-section-end\"><\/span><\/h1>\n  <p style=\"color:#cbd5e1;font-size:17px;line-height:1.65;margin:0 auto;max-width:720px;\">How does pet insurance work? What does it cover? How much does it cost? This guide explains everything you need to know before subscribing, without obligation or jargon.   <\/p>\n<\/div>\n<p><!-- INTRO FLEX --><\/p>\n\n<div style=\"display:flex;align-items:center;gap:44px;margin:32px 0 44px;flex-wrap:wrap;\">\n  <div style=\"flex:1 1 42%;min-width:280px;\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/07\/001-assurance-chien-chat-quebec-2026-assur360.jpg\" alt=\"Dog and cat in the Quebec home \u2014 an informative guide to pet insurance\" style=\"width:100%;height:auto;border-radius:14px;box-shadow:0 12px 32px rgba(13,31,45,0.14);display:block;\" loading=\"eager\"\/>\n  <\/div>\n  <div style=\"flex:1 1 52%;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:12px;font-weight:800;letter-spacing:2px;text-transform:uppercase;margin:0 0 10px;\">A growing market<\/p>\n    <h2 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:26px;font-weight:800;line-height:1.25;margin:0 0 14px;\"><span class=\"ez-toc-section\" id=\"What-is-pet-insurance\"><\/span>What is pet insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#334155;font-size:15.5px;line-height:1.75;margin:0 0 12px;\"><strong>Pet insurance<\/strong> is a contract that reimburses part of the veterinary costs incurred for your dog or cat. It works like a health plan for your pet: you pay a monthly premium and the insurer covers eligible care under the terms of the contract. <\/p>\n    <p style=\"color:#334155;font-size:15.5px;line-height:1.75;margin:0;\">In Quebec, about <strong>60% of households have a pet<\/strong>, but only <strong>4 to 5% of dogs and cats are insured<\/strong> (vs. 40% in the United Kingdom and 25% in Sweden). A veterinary emergency bill of <strong>$3,000 to $8,000<\/strong> is not uncommon \u2014 that&#8217;s what insurance protects against. <\/p>\n  <\/div>\n<\/div>\n<p><!-- STATS INFO (pas de CTA) --><\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:16px;margin:32px 0 48px;\">\n  <div style=\"background:#ffffff;padding:24px 20px;border-radius:14px;border:1px solid #e2e8f0;box-shadow:0 2px 8px rgba(13,31,45,0.04);\">\n    <div style=\"font-size:26px;margin-bottom:8px;\">\ud83d\udc15<\/div>\n    <p style=\"color:#10c4c7;font-size:26px;font-weight:800;margin:0;line-height:1;\">2.4M<\/p>\n    <p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Dogs &#038; cats in QC<\/p>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 20px;border-radius:14px;border:1px solid #e2e8f0;box-shadow:0 2px 8px rgba(13,31,45,0.04);\">\n    <div style=\"font-size:26px;margin-bottom:8px;\">\ud83d\udcb0<\/div>\n    <p style=\"color:#10c4c7;font-size:26px;font-weight:800;margin:0;line-height:1;\">$3\u20138K<\/p>\n    <p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Typical emergency bill<\/p>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 20px;border-radius:14px;border:1px solid #e2e8f0;box-shadow:0 2px 8px rgba(13,31,45,0.04);\">\n    <div style=\"font-size:26px;margin-bottom:8px;\">\ud83d\udcc8<\/div>\n    <p style=\"color:#10c4c7;font-size:26px;font-weight:800;margin:0;line-height:1;\">+7,5 %<\/p>\n    <p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Annual veterinary inflation<\/p>\n  <\/div>\n  <div style=\"background:#ffffff;padding:24px 20px;border-radius:14px;border:1px solid #e2e8f0;box-shadow:0 2px 8px rgba(13,31,45,0.04);\">\n    <div style=\"font-size:26px;margin-bottom:8px;\">\ud83c\udfe5<\/div>\n    <p style=\"color:#10c4c7;font-size:26px;font-weight:800;margin:0;line-height:1;\">1\/3<\/p>\n    <p style=\"color:#64748b;font-size:13px;margin:6px 0 0;\">Animals \u2014 veterinary emergency \/year<\/p>\n  <\/div>\n<\/div>\n<p><!-- TYPES DE COUVERTURE --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-3-types-of-coverage\"><\/span>The 3 types of coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Insurers generally offer three formulas. The choice depends on your budget and the level of risk you want to cover. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:32px 0 48px;\">\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;padding:26px;border-top:4px solid #10c4c7;\">\n    <p style=\"color:#10c4c7;font-size:12px;font-weight:800;letter-spacing:2px;text-transform:uppercase;margin:0 0 8px;\">Minimum Formula<\/p>\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:19px;font-weight:800;margin:0 0 12px;\">Accident only<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.7;margin:0;\">Covers only accidental injuries (fracture, swallowed foreign body, bite from another animal, motor vehicle accident). Diseases (cancer, diabetes, allergies) are not covered. <\/p>\n    <p style=\"color:#64748b;font-size:13px;font-style:italic;margin:14px 0 0;\">Typical premium: $12\u201325\/month<\/p>\n  <\/div>\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;padding:26px;border-top:4px solid #10c4c7;\">\n    <p style=\"color:#10c4c7;font-size:12px;font-weight:800;letter-spacing:2px;text-transform:uppercase;margin:0 0 8px;\">Common formula<\/p>\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:19px;font-weight:800;margin:0 0 12px;\">Accident + illness<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.7;margin:0;\">Covers accidents and most diseases (cancer, arthritis, chronic allergies, ear infections, digestive problems). The most common choice in Quebec. Usually includes exams, x-rays, surgeries and medications.  <\/p>\n    <p style=\"color:#64748b;font-size:13px;font-style:italic;margin:14px 0 0;\">Typical premium: $35\u201370\/month<\/p>\n  <\/div>\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;padding:26px;border-top:4px solid #10c4c7;\">\n    <p style=\"color:#10c4c7;font-size:12px;font-weight:800;letter-spacing:2px;text-transform:uppercase;margin:0 0 8px;\">Complete package<\/p>\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:19px;font-weight:800;margin:0 0 12px;\">Accident + illness + wellness<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.7;margin:0;\">Adds coverage for preventive care: annual check-ups, vaccinations, scaling, parasite control, sterilization. Useful for smoothing out the veterinary budget throughout the year. <\/p>\n    <p style=\"color:#64748b;font-size:13px;font-style:italic;margin:14px 0 0;\">Typical premium: $55\u2013120\/month<\/p>\n  <\/div>\n<\/div>\n<p><!-- CE QUI EST COUVERT \/ PAS COUVERT --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Whats-covered-and-whats-not\"><\/span>What&#8217;s covered (and what&#8217;s not)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px;margin:24px 0 40px;\">\n  <div style=\"background:#f0fdfa;border-radius:16px;padding:26px;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:18px;font-weight:800;margin:0 0 14px;\">\u2705 Generally Covered<\/h3>\n    <ul style=\"color:#334155;font-size:14.5px;line-height:1.85;margin:0;padding-left:20px;\">\n      <li>Veterinary consultations related to an accident or illness<\/li>\n      <li>X-rays, ultrasounds, blood tests<\/li>\n      <li>Surgeries (fractures, foreign bodies, tumors, etc.)<\/li>\n      <li>Hospitalization and intensive care<\/li>\n      <li>Treatment-related prescription drugs<\/li>\n      <li>Cancers, diabetes, heart disease, arthritis<\/li>\n      <li>Allergies, recurrent ear infections, skin problems<\/li>\n      <li>Physiotherapy and acupuncture prescribed<\/li>\n      <li>Dental expenses related to an illness (full plan)<\/li>\n    <\/ul>\n  <\/div>\n  <div style=\"background:#fef2f2;border-radius:16px;padding:26px;border:2px solid #fee2e2;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:18px;font-weight:800;margin:0 0 14px;\">\u274c Generally excluded<\/h3>\n    <ul style=\"color:#334155;font-size:14.5px;line-height:1.85;margin:0;padding-left:20px;\">\n      <li><strong>Pre-existing conditions<\/strong> (before the subscription or during the waiting period)<\/li>\n      <li>Reproduction, gestation, childbirth<\/li>\n      <li>Sterilization, castration (except wellness formula)<\/li>\n      <li>Routine vaccinations and dewormers (except wellness)<\/li>\n      <li>Behavior, training, education<\/li>\n      <li>Beauty treatments (grooming, ear cutting)<\/li>\n      <li>Special foods, supplements<\/li>\n      <li>Daycare or board fees<\/li>\n      <li>Injuries related to illegal use or neglect<\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n<p><!-- CO\u00dbT PAR RACE ET \u00c2GE --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-it-cost-indicative-prices-by-age-and-species\"><\/span>How much does it cost: indicative prices by age and species<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Premiums vary according to several factors: <strong>species<\/strong> (dog vs. cat), <strong>breed<\/strong>, <strong>age at purchase<\/strong>, <strong>place of residence<\/strong> and <strong>chosen formula<\/strong>. The ranges below are indicative for 2026 for an Accident+Illness formula (the most common). <\/p>\n\n<div style=\"overflow-x:auto;margin:24px 0 40px;border-radius:14px;box-shadow:0 4px 16px rgba(13,31,45,0.06);\">\n<table style=\"width:100%;border-collapse:collapse;background:#ffffff;font-size:15px;\">\n  <thead>\n    <tr style=\"background:#0d1f2d;color:#ffffff;\">\n      <th style=\"padding:16px 18px;text-align:left;font-weight:700;letter-spacing:.5px;text-transform:uppercase;font-size:13px;\">Species &#038; Profile<\/th>\n      <th style=\"padding:16px 18px;text-align:left;font-weight:700;letter-spacing:.5px;text-transform:uppercase;font-size:13px;\">Age at subscription<\/th>\n      <th style=\"padding:16px 18px;text-align:left;font-weight:700;letter-spacing:.5px;text-transform:uppercase;font-size:13px;\">Indicative premium \/month<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:14px 18px;font-weight:700;color:#0d1f2d;\">\ud83d\udc08 Healthy mix cat<\/td><td style=\"padding:14px 18px;color:#334155;\">6 months \u2013 3 years<\/td><td style=\"padding:14px 18px;color:#334155;font-weight:700;\">$25\u201345<\/td><\/tr>\n    <tr style=\"background:#ffffff;\"><td style=\"padding:14px 18px;font-weight:700;color:#0d1f2d;\">\ud83d\udc08 Purebred cat (Persian, Maine Coon)<\/td><td style=\"padding:14px 18px;color:#334155;\">6 months \u2013 3 years<\/td><td style=\"padding:14px 18px;color:#334155;font-weight:700;\">$35\u201365<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:14px 18px;font-weight:700;color:#0d1f2d;\">\ud83d\udc08 Senior Cat<\/td><td style=\"padding:14px 18px;color:#334155;\">8 years old+<\/td><td style=\"padding:14px 18px;color:#334155;font-weight:700;\">$55\u2013100<\/td><\/tr>\n    <tr style=\"background:#ffffff;\"><td style=\"padding:14px 18px;font-weight:700;color:#0d1f2d;\">\ud83d\udc15 Small Dog (under 10 kg)<\/td><td style=\"padding:14px 18px;color:#334155;\">6 months \u2013 3 years $<\/td><td style=\"padding:14px 18px;color:#334155;font-weight:700;\">35\u201360<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:14px 18px;font-weight:700;color:#0d1f2d;\">\ud83d\udc15 Medium Dog (10\u201325 kg)<\/td><td style=\"padding:14px 18px;color:#334155;\">6 months \u2013 3 years<\/td><td style=\"padding:14px 18px;color:#334155;font-weight:700;\">$45\u201380<\/td><\/tr>\n    <tr style=\"background:#ffffff;\"><td style=\"padding:14px 18px;font-weight:700;color:#0d1f2d;\">\ud83d\udc15 Large Dog (25 kg+)<\/td><td style=\"padding:14px 18px;color:#334155;\">6 months \u2013 3 years<\/td><td style=\"padding:14px 18px;color:#334155;font-weight:700;\">$60\u2013110<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:14px 18px;font-weight:700;color:#0d1f2d;\">\ud83d\udc15 Predisposed breeds (Bulldog, Labrador, Golden)<\/td><td style=\"padding:14px 18px;color:#334155;\">6 months \u2013 3 years<\/td><td style=\"padding:14px 18px;color:#334155;font-weight:700;\">$70\u2013$130<\/td><\/tr>\n    <tr style=\"background:#ffffff;\"><td style=\"padding:14px 18px;font-weight:700;color:#0d1f2d;\">\ud83d\udc15 Senior Dog<\/td><td style=\"padding:14px 18px;color:#334155;\">8 years +<\/td><td style=\"padding:14px 18px;color:#334155;font-weight:700;\">$85\u2013$160<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n<p style=\"color:#64748b;font-size:12px;font-style:italic;margin:-24px 0 32px;\">*2026 indicative ranges, standard Accident+Illness formula. The exact premium depends on the profile of the animal, the insurer and the formula chosen. <\/p>\n<p><!-- FRANCHISE PLAFOND --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-the-reimbursement-works-deductible-co-payment-ceiling\"><\/span>How the reimbursement works: deductible, co-payment, ceiling<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0 40px;\">\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 10px;\">1. The annual deductible<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.7;margin:0;\">The amount you pay out of pocket before the insurer reimburses Often between <strong>$100 and $700\/year<\/strong>. A higher deductible reduces the premium.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 10px;\">2. Co-insurance<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.7;margin:0;\">The percentage reimbursed beyond the deductible. Typical: <strong>70%, 80% or 90%.<\/strong> At 80%, on an eligible bill of $1,000, the insurer pays $800.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-family:'Sora',sans-serif;font-size:17px;font-weight:800;margin:0 0 10px;\">3. The annual ceiling<\/h3>\n    <p style=\"color:#334155;font-size:14.5px;line-height:1.7;margin:0;\">The maximum amount repayable per year. Ranges from <strong>$5,000 to unlimited<\/strong> depending on the plan. An unlimited cap costs more but protects against severe cases.  <\/p>\n  <\/div>\n<\/div>\n<p><!-- EXEMPLE CONCRET --><\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border-radius:16px;padding:32px 36px;margin:32px 0 48px;\">\n  <p style=\"color:#10c4c7;font-size:12px;font-weight:800;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">\ud83d\udca1 Concrete example<\/p>\n  <h3 style=\"color:#ffffff;font-family:'Sora',sans-serif;font-size:19px;font-weight:800;margin:0 0 14px;line-height:1.3;\">$3,500 veterinary bill (stomach torsion surgery)<\/h3>\n  <p style=\"color:#cbd5e1;font-size:15px;line-height:1.75;margin:0 0 12px;\">Formula: <strong style=\"color:#fff;\">$500<\/strong> deductible, <strong style=\"color:#fff;\">80%<\/strong> co-payment, $ <strong style=\"color:#fff;\">15,000<\/strong> limit.<\/p>\n  <ul style=\"color:#cbd5e1;font-size:14.5px;line-height:1.85;margin:0;padding-left:20px;\">\n    <li>Total bill: $3,500<\/li>\n    <li>\u2212 Deductible: $500 (you pay)<\/li>\n    <li>= Eligible amount: $3,000<\/li>\n    <li>\u00d7 80% (co-payment) = <strong style=\"color:#10c4c7;\">$2,400 reimbursed by the insurer<\/strong><\/li>\n    <li>Total cost to you: <strong style=\"color:#fff;\">$1,100<\/strong> (instead of $3,500)<\/li>\n  <\/ul>\n<\/div>\n<p><!-- D\u00c9LAI DE CARENCE --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Waiting-periods-%E2%80%94-post-application-waiting-period\"><\/span>Waiting periods \u2014 post-application waiting period<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">A <strong>waiting period<\/strong> is the period of time after the application during which certain claims are not yet eligible. It is a protection against subscriptions made just after a diagnosis. Typical timelines:  <\/p>\n\n<ul style=\"color:#334155;font-size:15.5px;line-height:1.9;margin:16px 0 40px;padding-left:22px;\">\n  <li><strong>Accidents<\/strong> : 24 to 72 hours<\/li>\n  <li><strong>Common illnesses<\/strong> : 14 to 30 days<\/li>\n  <li><strong>Orthopedic problems (hip dysplasia, cruciate ligaments):<\/strong> 6 to 12 months<\/li>\n  <li><strong>Some hereditary conditions<\/strong> : sometimes 12 months depending on the insurer and breed<\/li>\n<\/ul>\n<p><!-- ASSUREURS --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-main-insurers-present-in-Quebec\"><\/span>The main insurers present in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Several insurers offer dog and cat policies in Quebec. Everyone has their strengths: some excel in accident coverage, others in preventive care, others in direct payment to the veterinarian. Here are some of the players active in Quebec (non-exhaustive list):  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;margin:20px 0 40px;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:16px 14px;text-align:center;font-weight:700;color:#0d1f2d;font-size:14px;\">Trupanion<\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:16px 14px;text-align:center;font-weight:700;color:#0d1f2d;font-size:14px;\">Petsecure<\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:16px 14px;text-align:center;font-weight:700;color:#0d1f2d;font-size:14px;\">Fetch by The Dodo<\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:16px 14px;text-align:center;font-weight:700;color:#0d1f2d;font-size:14px;\">PC Insurance<\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:16px 14px;text-align:center;font-weight:700;color:#0d1f2d;font-size:14px;\">Sonnet Pet<\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:16px 14px;text-align:center;font-weight:700;color:#0d1f2d;font-size:14px;\">Furkin<\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:16px 14px;text-align:center;font-weight:700;color:#0d1f2d;font-size:14px;\">Peppermint<\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:16px 14px;text-align:center;font-weight:700;color:#0d1f2d;font-size:14px;\">CAA Pet Insurance<\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:16px 14px;text-align:center;font-weight:700;color:#0d1f2d;font-size:14px;\">Desjardins Pet Insurance<\/div>\n<\/div>\n<p style=\"color:#64748b;font-size:13px;font-style:italic;margin:0 0 40px;\">Indicative list \u2013 the offer changes regularly. Terms, exclusions and rates vary depending on the insurer and the animal. <\/p>\n<p><!-- QUAND SOUSCRIRE --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When-does-it-make-sense-to-take-out\"><\/span>When does it make sense to take out?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The best time to purchase pet insurance is <strong>early in the pet&#8217;s life<\/strong>, ideally between <strong>2 months and 4 years of age<\/strong>. At this age: <\/p>\n\n<ul style=\"color:#334155;font-size:15.5px;line-height:1.9;margin:16px 0 40px;padding-left:22px;\">\n  <li>No pre-existing conditions to report (so nothing excluded)<\/li>\n  <li>Lowest premium (it goes up with age)<\/li>\n  <li>No waiting period for chronic diseases diagnosed after<\/li>\n  <li>Better coverage for hereditary conditions if your breed is predisposed to them<\/li>\n<\/ul>\n<p style=\"color:#334155;font-size:15px;line-height:1.7;margin:0 0 40px;\">Applying late (7 years+) is still possible, but the premium is higher and many pre-existing conditions can be excluded.<\/p>\n<p><!-- FAQ --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:24px 0 48px;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Is pet insurance mandatory in Quebec?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">No. Pet insurance is not mandatory in Quebec. It is strongly recommended given the increase in veterinary costs (+7.5%\/year on average since 2020) and the financial risk that an emergency can represent.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Can an elderly animal (10 years and older) be insured?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Yes, but with limits. Most insurers accept subscriptions up to 8-10 years, sometimes longer. After this age, it becomes difficult to find coverage, and already known pre-existing conditions (arthritis, heart disease, kidney failure) are excluded.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">How does the reimbursement of a claim work?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">You pay the vet first. You then send the insurer the invoice and the medical report. The insurer analyses, applies the deductible and co-payment, and then reimburses you by bank transfer or cheque. Processing usually takes 5-15 business days. Some insurers (Trupanion in particular) offer direct payment to the veterinarian at participating clinics.    <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">What is a pre-existing condition?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Any illness, injury or abnormality that appeared before the policy was taken out OR during the waiting period. She will be excluded from coverage for life. Some curable conditions (eye infection, punctual otitis) can be reclassified after a period without recurrence.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Does the premium increase every year?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Yes, most insurers increase the premium every year, mainly for two reasons: (1) your pet is getting older and their risk of illness is increasing, (2) veterinary inflation is pushing up care costs. The typical increase is 8 to 15% per year after 5 years. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Can I see any veterinarian?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Generally yes. Unlike human health insurance, pet insurance does not require a network of veterinarians \u2014 you are free to choose your clinic. Some insurers offer additional benefits (direct payment) at partner clinics.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Is sterilization covered?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">Only in formulas with <strong>a wellness<\/strong> component (preventive care). The Accident-Only and Accident+Illness formulas do not cover sterilization, which is considered an elective procedure. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:12px;margin:0 0 10px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:15px;\">Does insurance cover euthanasia and cremation?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;background:#ffffff;\">According to insurers. Euthanasia related to a covered illness is often reimbursed. Cremation and cremation are more rarely covered \u2014 this is a good question to ask when choosing a contract.  <\/div>\n  <\/details>\n<\/div>\n<p><!-- SOURCES --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sources-and-references\"><\/span>Sources and references<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ul style=\"color:#334155;font-size:14.5px;line-height:1.85;margin:16px 0 32px;padding-left:22px;\">\n  <li>Statistics Canada \u2014 Survey of Household Spending, Pets (latest data released 2022\/2023)<\/li>\n  <li>Canadian Veterinary Medicine Association (CVMA) \u2014 Veterinary Cost Index<\/li>\n  <li>North American Pet Health Insurance Association (NAPHIA) \u2014 2024 Annual Report on Pet Insurance Penetration in Canada<\/li>\n  <li>Autorit\u00e9 des march\u00e9s financiers (AMF) \u2014 regulatory framework for damage insurance products in Qu\u00e9bec<\/li>\n<\/ul>\n<p style=\"color:#64748b;font-size:13px;font-style:italic;margin:0 0 40px;\">Content for informational purposes. The terms of the contracts vary depending on the insurer. Always check the specific terms and conditions of your policy.  <\/p>\n<p><!-- LIENS INTERNES (info seulement, pas de CTA) --><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To-go-further\"><\/span>To go further<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:24px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/assurance-habitation\/\" style=\"display:block;padding:22px;background:#ffffff;border:1px solid #e2e8f0;border-radius:14px;text-decoration:none;color:#0d1f2d;\">\n    <p style=\"color:#10c4c7;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:1.5px;margin:0 0 8px;\">Guide<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;line-height:1.35;\">Responsabilit\u00e9 civile chien dangereux dans l&#8217;assurance habitation<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-voyage\/\" style=\"display:block;padding:22px;background:#ffffff;border:1px solid #e2e8f0;border-radius:14px;text-decoration:none;color:#0d1f2d;\">\n    <p style=\"color:#10c4c7;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:1.5px;margin:0 0 8px;\">Guide<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;line-height:1.35;\">Voyage avec un animal : options d&#8217;assurance<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/urgence-sinistre\/\" style=\"display:block;padding:22px;background:#ffffff;border:1px solid #e2e8f0;border-radius:14px;text-decoration:none;color:#0d1f2d;\">\n    <p style=\"color:#10c4c7;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:1.5px;margin:0 0 8px;\">Ressource<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;margin:0;font-size:15px;line-height:1.35;\">Urgence sinistre 24\/7<\/p>\n  <\/a>\n<\/div>\n<p><!-- SCHEMAS --><\/p>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"@id\":\"https:\/\/www.assur360.ca\/#organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"description\":\"Comparateur d'assurance ind\u00e9pendant au Qu\u00e9bec, op\u00e9r\u00e9 par le cabinet Assur360 tek inc. certifi\u00e9 AMF.\",\"areaServed\":{\"@type\":\"AdministrativeArea\",\"name\":\"Qu\u00e9bec, Canada\"}}\n<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Guides\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance chien et chat\",\"item\":\"https:\/\/www.assur360.ca\/assurance-chien-chat\/\"}]}\n<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"headline\":\"Assurance pour chien et chat au Qu\u00e9bec \u2014 Guide complet\",\"description\":\"Guide informatif sur l'assurance pour animaux domestiques au Qu\u00e9bec 2026 : types de couverture, co\u00fbts, franchise, exclusions, principaux assureurs.\",\"author\":{\"@type\":\"Organization\",\"name\":\"Assur360\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\"}},\"datePublished\":\"2026-07-02\",\"dateModified\":\"2026-07-02\",\"inLanguage\":\"fr-CA\",\"mainEntityOfPage\":\"https:\/\/www.assur360.ca\/assurance-chien-chat\/\",\"image\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/07\/001-assurance-chien-chat-quebec-2026-assur360.jpg\"}\n<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"L'assurance pour animaux est-elle obligatoire au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. L'assurance pour animaux n'est pas obligatoire au Qu\u00e9bec. Elle est fortement recommand\u00e9e compte tenu de la hausse des frais v\u00e9t\u00e9rinaires et du risque financier qu'une urgence peut repr\u00e9senter.\"}},\n{\"@type\":\"Question\",\"name\":\"Peut-on assurer un animal \u00e2g\u00e9 (10 ans et plus) ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, mais avec des limites. La plupart des assureurs acceptent la souscription jusqu'\u00e0 8-10 ans. Apr\u00e8s cet \u00e2ge, il devient difficile de trouver une couverture et les conditions pr\u00e9existantes sont exclues.\"}},\n{\"@type\":\"Question\",\"name\":\"Comment fonctionne le remboursement d'une r\u00e9clamation ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vous payez d'abord le v\u00e9t\u00e9rinaire. Vous envoyez ensuite \u00e0 l'assureur la facture et le rapport m\u00e9dical. Traitement typique 5 \u00e0 15 jours ouvrables.\"}},\n{\"@type\":\"Question\",\"name\":\"Qu'est-ce qu'une condition pr\u00e9existante ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Toute maladie, blessure ou anomalie apparue avant la souscription OU pendant le d\u00e9lai de carence. Elle sera exclue \u00e0 vie de la couverture.\"}},\n{\"@type\":\"Question\",\"name\":\"La prime augmente-t-elle chaque ann\u00e9e ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. L'animal vieillit et l'inflation v\u00e9t\u00e9rinaire pousse les co\u00fbts. Augmentation typique de 8 \u00e0 15 % par ann\u00e9e apr\u00e8s 5 ans.\"}},\n{\"@type\":\"Question\",\"name\":\"Puis-je consulter n'importe quel v\u00e9t\u00e9rinaire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"G\u00e9n\u00e9ralement oui. L'assurance pour animaux n'impose pas de r\u00e9seau \u2014 vous choisissez librement votre clinique.\"}},\n{\"@type\":\"Question\",\"name\":\"Est-ce que la st\u00e9rilisation est couverte ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Uniquement dans les formules avec volet wellness. Les formules Accident-seul et Accident+maladie ne couvrent pas la st\u00e9rilisation.\"}},\n{\"@type\":\"Question\",\"name\":\"L'assurance couvre-t-elle l'euthanasie et la cr\u00e9mation ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'euthanasie li\u00e9e \u00e0 une maladie couverte est souvent rembours\u00e9e. La cr\u00e9mation est plus rarement couverte \u2014 \u00e0 v\u00e9rifier lors du choix du contrat.\"}}\n]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Informative guide to pet insurance in Quebec 2026: coverages, costs by age and breed, deductible, co-payment, exclusions, main 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