Purina Pet Insurance – Best comparison charts of their 3 lifetime plans

Three Simple Plans to make your choice Easy!

Purina Pet Insurance has three simple plans that will suit all sorts of pet owners, from the most basic covering accident only to their most extensive plan that even includes Annual exams.

The first plan- Protect is the most basic plan and covers accidents only.

The second plan- Preferred is the middle of the road plan which is very reasonable and covers accidents and illnesses.

The third plan – Premium is the most advanced plan and is the exact same as the Preferred plan, but also covers annual Routine/Preventative care and dental care.

The three pet health insurance plans for Purina Pet Insurance are fully compared in the charts below.

Purina Insurance plans cover a reasonable amount of vet costs for each year and that every year you will get $2000 per year for the rest of your pets life. For example, if your pet gets sick and uses up the full $2000, the following year you will have another $2000.

Another good thing is that the deductible is annual, so you only have to pay it once a year!

All plans are very simple as well as comprehensive for a good majority of cases. When I phoned Purina Pet Insurance, Holly was quite friendly.

These plans seem like a good deal for the price and were one of the easiest to understand of all the pet insurance Canada.

For more information, please check out all the major questions about Purina Pet Insurance that are answered at the bottom of this page.

Once you’ve read this page (it has important information that can only be found by phoning the company and not on their website), click here to go to the purina site.

Please check out the review page with Purina Reviews. See what others say, or leave your own!


Snapshot Information Chart for Purina Pet Insurance
80% indicates co-payment amount

click here to understand co-payments 

Plan Accidents Illness Deductible Annual Max age to sign on* Lifetime cover Price per month
Protect (20%) $2000/condition/yr Under 5- 100/yr, over 5 yrs $200/yr no yes Dogs $11.26-13.28 Cats $9.27
Preferred (20%) $2000/condition/yr $2000/condition/yr Under 5- 100/yr, over 5 yrs $200/yr no yes Dogs $46.33-54.66 Cats $19.63
Premium (20%) $2000/condition/yr $2000/condition/yr $150, 3-6= $250, over 6= $350/yr no yes Dogs $65.72-77.54 Cats $28.80

*Senior age must do a senior pet test (dogs over 8, cats over 10)
Protect and Preferred- Pet Under 5= 100/year, Pet over 5 yrs $200/year
Premium – Pet aged 0-2years= $150, Pet aged 3-6years= $250, Pet aged over 6years= $350

Detailed coverage Chart for Purina Pet Insurance

Protect Preferred Premium
Vet fees Accident $2000/condition/yr $2000/condition/yr $2000/condition/yr
Vet fees- Illness $2000/condition/yr $2000/condition/yr
Routine Care Yes*
Hereditary Conditions yes Yes
Hip dysplasia yes yes yes
Cover Abroad USA USA USA
Behavioural problems
Prescription meds yes yes yes
Dental Only cleaning upto $250
Alternative treatment
Breeding, Fertility, Pregnancy
Medical devices
Lost/Stolen pet adds
Third party liability
(dogs only)
Accidental Damage
Grooming and Bathing
Pet food, Nutritional supplements, vitamins, natural remedies

Vet fees– Illness or Accident
*Routine/Preventative care– vaccinations($250 for puppy/kitten, $100 annually), fecal exams($32), dental cleaning($250), spay/neuter ($150dog, $100cat), heartworm meds ($120) and heartworm testing ($38) , flea prevention($100), blood profile($75), urinalysis($35) NOT the annual exam
Hereditary conditions– are covered
Hip Dysplasia– Covered, as long as it’s not a pre existing condition
Death- Will cover replacement price of pet if dies from accident
Euthanasia and Cremation are not covered
Boarding– If you go to hospital for more than 48hrs (not covered)
Holiday– Not covered
Cover abroad– to USA upto 6 months minus a day.
Behavioural problems– not covered
Prescription Meds– are covered in annual amount
Dental– is only covered under the premium plan.
Alternative treatment – not covered
Breeding, Fertility, Pregnancy – not covered
Medical devices– not covered
Lost/Stolen Pet– Advertising to find pet if lost/stolen/strays – not covered
Third party liability(dogs only) – not covered
Accidental Damage– not covered
Grooming and Bathing-not covered
Pet food, Nutritional supplements, vitamins, natural remedies– not covered

Some Common Questions for Purina Pet Insurance

Lifetime insurer? 
Yes- Purina Pet Insurance is a lifetime insurer which means that if you pet becomes ill while insured with them, they will cover the illness or accident.

If you want to better understand Lifetime Pet Insurance, check out this page!


Multipet discount- 10% for 3-5 pets, 15% for 6+ petsThis discount applies to each pet.

Any vet or specific vets only? After hours vets or in home vets? 
Yes and yes, with Purina Pet Insurance you can go to ANY vet you chose in Canada and the United States

Can the vet be paid directly? 
No, but if you can’t pay the vet, will arrange, and must be ok with the vet.

How quickly are claims processed? 
It takes on average 9-10 business days for Purina Pet Insurance to pay you.

Do you cover examination fee? 
Yes. Purina Pet Insurance pays from the moment your pet goes into the vet and comes home healthy.

All breeds? 

Do I stop getting coverage as my dog ages? 


Does age affect monthly price? 
No, only deductible changes with age.

Do you put the monthly price up every year? By how much? 
The monthly price increases in relation to inflation and the increasing prices of vet costs. You will be notified 30 days in advance before it changes.

Do they serve all of Canada? 

Is the monthly amount more depending on where I live? 
Yes, aswell as breed

Waiting period? 
48 hrs for Accidents, 14 days for illnesses

Do rates increase with more claims/penalized for filing more claims? 
If you are in the top 6% of ALL the claims with them, then co-insurance will be adjusted so that you will pay more, but will resume to normal if claims go back to normal as pet gets well. You would have to have a lot of claims for this to happen.

Maximum lifetime claim amount? 


What is the co-pay? 
The co-payment is 20%. Meaning that after the deductible, you will pay an additional 20% of the total vet bill.

To understand co-payment and deducible click here 

Extras included? 
Nothing to note

Money back guarantee? 
With Purina Pet Insurance, you have 30 days without an insurance claim to get your money back if you decide pet insurance isn’t for you.

What Purina Pet Insurance doesn’t cover – claims that are directly or indirectly related to: 
—Pets under 8 weeks old
—Pre-existing conditions
—No coverage for activities that result from: racing, breeding, hunting, law enforcement

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.

If you want to contact Purina, call: 1-800-661-3199 Monday through Friday, 8:30 AM – 4:30 PM ET

Let us know if you decide to go with Purina pet insurance. We’d love to hear Your Review. Pass it forward so others know how the company treated you- good or bad, we want to hear!

Check out other Canadian Pet Insurance Companies:

Cherry blue pet insurance- 3 simple plans- basic, ultimate and in the middle.

PC Insurance- 5 plans all reasonably priced!

Pet care insurance- HUGE assortment of plans to choose from.

Corporation of Pethealth and all their other insurance companies

Ontario spca pet insurance – 5 plans for Ontario Residents

Trupanion pet insurance- one plan so it’s easy, you just have to pick the perfect deductible for you.

Vet insurance- powered by Trupanion.

Pet Insurance Terminology – all the complicated terminology explained simply and easily

Click to check out other Pet Insurance Canada companies

Click here to return from Purina pet insurance to Pet Health Insurance

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