Reviewing the best Pet Insurance in Canada

20% not covered by insurance = You pay -$600

20% not covered by insurance = You pay -$600

90% not covered by insurance = You pay -$2700

PC Insurance BC

and deductible

Deductible based on dog’s age is $200.

Deductible based on dog’s age is $200. 

Deductible is $200 per condition.

Deductible based on dog’s age is $300.

Since no sales taxes are covered, it may work out to about 80% of expenses.

• The Limit per accident or illness may not be sufficient for common injuries e.g. a back injury, torn ligaments (CCL) may cost over $5,000 including tests

• The Annual Limit is very small and may not be sufficient for common injuries e.g. a back injury, torn ligaments (CCL) may cost over $5,000 including tests

• High monthly premium price

• The Limit per accident or illness may not be sufficient for common injuries e.g. a back injury, torn ligaments (CCL) may cost over $5,000 including tests

• Pre-existing conditions are excluded and are vague enough to include anything that with or without a confirmed diagnosis shows for your pet e.g. if your pet is itching a bit at 4 months for any reason and that is included in the vet’s notes, as a result, your pet may be excluded for allergies if that develops in the future. Cancer may fall under these conditions.

• Pre-existing conditions are excluded and are vague enough to include anything that with or without a confirmed diagnosis shows for your pet e.g. if your pet is itching a bit at 4 months for any reason and that is included in the vet’s notes, as a result, your pet may be excluded for allergies if that develops in the future. Cancer may fall under these conditions.

• Pre-existing conditions are excluded where there are signs or evidence of their potential manifestation existed within the 18 months prior to the Policy Enrollment Date and even if there are no medical records about potential signs incl. CCL, see policy sample Section 9 IV for more examples.

• Pre-existing conditions are excluded and are vague enough to include anything that with or without a confirmed diagnosis shows for your pet e.g. if your pet is itching a bit at 4 months for any reason and that is included in the vet’s notes, your pet may be excluded for allergies if that develops in the future. Cancer may fall under these conditions.

• Excludes expenses for cats showing clinical signs of FIP, FIV or FELV prior to the policy inception or during the waiting period

• Excludes expenses for cats showing clinical signs of FIP, FIV or FELV prior to the policy inception or during the waiting period

• N/A

• Excludes expenses for cats showing signs of FIP, FIV or FELV prior to the policy inception or during the waiting period

• Deductible rises as pet ages (which defeats the purpose of most of us getting insurance) i.e.  for a dog
• 0- 5 years is $100 annual,
• 5- 7 years is $200 annual,
• 7-10 years is $400 annual
• over 10 years is $500 annual

• Deductible rises as pet ages (which defeats the purpose of most of us getting insurance) i.e. for a dog
• Up to 5 years is $100 annual,
• 5- 7 years is $200 annual,
• 7-10 years is $400 annual and
• over 10 years is $500 annual

• Not stated clearly in their documents but from personal experience as well as others we know using Trupanion, we’ve had rates and deductibles “coincidentally” change when claims increased

• Deductible rises as pet ages (which defeats the purpose of most of us getting insurance) i.e. for a dog
• 0 to 5 years is $100 annual,
• 5-10 years is $300 annual
• and over 10 years is $500 annual

• Not stated clearly in their initial quotes but they can increase your co-insurance by 10% increments to a maximum of 50% if your pet falls into “risk management” category, which is a pet with ongoing claims.

• Not stated clearly in their initial quotes but they can increase your co-insurance by 10% increments to a maximum of 50% if your pet falls into “risk management” category, which is a pet with ongoing claims.

• N/A

• Not stated clearly in their initial quotes but they can increase your co-insurance by 10% increments to a maximum of 50% if your pet falls into “risk management” category, which is a pet with ongoing claims.

• Don’t cover dental expenses except those directly related to accident under this plan.

• Don’t cover dental expenses under this plan

• N/A

• N/A

• Any change in your coverage means you have to state any pre-existing medical conditions as of your new policy – meaning if your pet developed a condition recently, it would not be covered under the new plan although it was under the old plan.

• Any change in your coverage means you have to state any pre-existing medical conditions as of your new policy – meaning if your pet developed a condition recently, it would not be covered under the new plan although it was under the old plan.

• N/A

• Any change in your coverage means you have to state any pre-existing medical conditions as of your new policy – meaning if your pet developed a condition recently, it would not be covered under the new plan although it was under the old plan.

• They pay for lost pet advertising (up to $300)
• If you are hospitalized for at least two days, they may pay for boarding for your dog. ($25 per day up to $500)
• If you have to cancel or cut a holiday short because your pet suffered an “Accident or illness” they will pay for any travel and accommodation expense you can’t recover (up to $1000)

• They pay for lost pet advertising (up to $250)
• If you are hospitalized for at least two days, they may pay for boarding for your dog. ($25 per day up to $500)
• If you have to cancel or cut a holiday short because your pet suffered an “Accident or illness” they will pay for any travel and accommodation expense you can’t recover (up to $500)

• Cover congenital & hereditary conditions as long as they were not pre-existing before coverage started (Remember, as per their policy it states that the conditions cannot exist 18 months prior to the Policy Enrollment Date.)
• Hip dysplasia coverage is included in Trupanion’s core policy.
• Cover hospital stays, while herbal treatment is at an additional monthly premium to the pet owner
• Cover dental illnesses & injuries
• Clear that your dog’s age, breed, gender, spay/neuter status and vet costs can change cost of insurance
• Can pay your veterinarian directly so you don’t have to pay out of pocket.
• Pretty quick turnaround on claims in our experience.
• You can adjust your deductible and premiums.

• They pay for lost pet advertising (up to $1000 per accident)
• If you are hospitalized, they may pay for boarding for your dog. (up to $1000 per accident)
• If you have to cancel or cut a holiday short because your pet suffered an “Accident or illness” they will pay for any travel and accommodation expense (up to $1000 per accident)
• Cover the cost of any Treatment for the teeth and gums for preventive care or as a result of an eligible dental Illness ($300 per year)

Note that they make money by having people get quotes through their website. (trust the reviews with a grain of salt. Talk to other pet owners you may know)

Pet Insurance Review

Pet Insurance Review

Pet Insurance Review

• It won’t cover illnesses developed by drinking contaminated/ stagnant water, which is a common accident that most dogs get into.
• They don’t state clearly upfront in your quote that joint/arthritis issues are not covered.
• Do not cover any consequential damage as a result of any accident e.g. if your pet develops liver damage due to poisoning, future treatments of that liver damage will not be covered.
• Vague on not paying for accidents due to your pet’s known behavioural problem.

• It won’t cover illnesses developed by drinking contaminated/ stagnant water, which is a common accident that most dogs get into.
• They don’t state clearly upfront in your quote that joint/arthritis issues are not covered.
• They also do not cover soft tissue or muscle inflammation.
• Do not cover any consequential damage as a result of any accident e.g. if your pet develops liver damage due to poisoning, future treatments of that liver damage will not be covered.
• Vague on not paying for accidents due to your pet’s known behavioural problem.

• The deductible is $1000  per condition during the pet’s lifetime