The North American Pet Health Insurance Association (NAPHIA)’s 2026 State of the Industry Report shows accelerating adoption of pet health insurance, with insured pets up 3.9 per cent year‑over‑year in Canada and 9 per cent in the U.S., bringing coverage to 7.6 million animals across North America. Despite gains, a significant protection gap remains: Canada insures just 3.72 per cent (5.64 per cent of dogs; 1.91 per cent of cats, while 4.27 per cent of U.S. pets are reportedly insured (5.99 per cent of dogs; 2.29 per cent of cats).

NAPHIA says most claims stem from common, routine conditions that regularly send pets to the veterinarian. The top 10 most common health issues for which insured dogs and cats received veterinary care in 2025 were:

The report highlights a Bernese Mountain Dog whose prolonged specialist care was enabled by insurance, underscoring how coverage expands treatment choices. NAPHIA president Sammi‑Jo Nevin urges broader public education to close the protection gap.

For more about the results and to download the full report, visit the NAPHIA website.