PetQuick Answer
Most US pet insurance brands are not available in Canada. Brands like Lemonade, Spot, Figo, Healthy Paws, Embrace, and Pumpkin are heavily marketed online and show up in Canadian search results — but their pet insurance products are typically licensed for U.S. customers only. Verify availability directly with the brand. If you're in Canada, the closest equivalents are Trupanion, Petsecure, Pets Plus Us, and Petline.
Why you keep seeing US pet insurance brands in search
US pet insurance has exploded in marketing spend over the last few years. Brands like Lemonade and Spot run heavy paid search and content campaigns that get indexed in Canadian search results — which is why Canadian dog and cat owners frequently land on US-only product pages without realizing it.
The big tell: if the quote tool asks for a US state or ZIP code (not a Canadian province or postal code), the product isn't licensed for Canadian customers.
Common US pet insurance brands and Canadian availability
| Brand | Canadian availability |
|---|---|
| Lemonade | Verify directly — historically U.S.-focused, Canadian availability has been limited |
| Spot | Verify directly — historically U.S.-only |
| Figo | Verify directly — historically U.S.-only |
| Healthy Paws | Verify directly — historically U.S.-only |
| Embrace | Verify directly — historically U.S.-only |
| Pumpkin | Verify directly — historically U.S.-only |
| Nationwide Pet | U.S. only |
| ASPCA Pet Insurance | U.S. only |
| MetLife Pet | U.S. only |
Pet insurance availability changes — always confirm with the brand's official Canadian-language page (look for .ca URL or a postal-code input on the quote tool, not a ZIP code).
What's actually available to you in Canada
The pet insurance providers that are confirmed Canadian-licensed and actively serve customers across most provinces include:
- Trupanion — nationwide, unlimited payout cap, per-condition deductible structure
- Petsecure — long-standing Canadian brand, optional wellness add-on
- Pets Plus Us — Canadian, multiple plan tiers and customizable deductibles
- Petline — Canadian, underwrites several other brands
- Desjardins — Canadian financial co-op offering pet insurance through partnership
- CAA — pet insurance available to CAA members
We compare these head-to-head on our pet insurance Canada comparison.
Why this matters
Insurance is provincially regulated in Canada. A brand selling in the U.S. needs separate licensing, underwriting, and regulatory approval to operate in each Canadian province. Most U.S. brands haven't made that investment because the Canadian market is much smaller than the U.S. one.
If you sign up for a U.S. product as a Canadian resident, claims may be denied entirely — regardless of what the marketing implied. Always verify the product is licensed in your province before paying for a policy.
Our recommendation
Skip the US brands and compare the Canadian-licensed providers directly. Start with Trupanion vs Petsecure — that's the most-asked comparison among Canadian owners, and it covers the two structural extremes (unlimited catastrophic coverage vs flexible plan with wellness).