Compare Petsecure Canada vs. Trupanion Canada Pet Insurance in Canada

What’s the difference between Petsecure Canada Pet Insurance and Trupanion Canada Pet Insurance? See how our editors compare the two companies below.
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Petsecure Canada
7.4 / 10 - Very good
#4 in Pet Insurance in Canada
Trupanion Canada
9.2 / 10 - Excellent
#2 in Pet Insurance in Canada
Our Partner
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Key Facts
  • Up to 80% cover for treatments and care
  • Preventive care
  • Alternative therapy
  • Medical device
  • No benefit limits for Secure 4 plans
  • Unlimited payouts and no caps on coverage
  • Can pay the vet directly - up to 90% coverage!
  • Award winning customer service
  • Per-condition deductible (good for chronic conditions)
  • Fast payouts and no penalties for filing claims
ConsumersAdvocate.org Ratings
7.4 / 10 - Very good
7/10
Coverage
8/10
Benefit Limits
7/10
Deductibles
7/10
Reimbursement Models
8/10
Customer Service
7/10
Value
7/10
Reviews
9.2 / 10 - Excellent
9/10
Coverage
10/10
Benefit Limits
9/10
Deductibles
9/10
Reimbursement Models
9/10
Customer Service
9/10
Value
9/10
Reviews
Customer Reviews
 (23)
3.6 / 10 - Poor
17%
5 stars
0%
4 stars
4%
3 stars
22%
2 stars
57%
1 stars
 (31)
6.4 / 10 - Very good
52%
5 stars
3%
4 stars
6%
3 stars
6%
2 stars
29%
1 stars
Final Verdict

Trupanion Canada Pet Insurance has a higher overall rating than Petsecure Canada Pet Insurance. Trupanion Canada scores better than Petsecure Canada across: Coverage, Benefit Limits, Deductibles, Reimbursement Models, Customer Service, Value, and Reviews.

Latest Reviews

T
Tammy G
Petsecure Canada Pet Insurance review
6/15/2017
I am surprised at these reviews very concerning! I have been with petsecure for more then 10 years. Every time we needed them they were instantly there right to the end of our Meesha journey! No questions immediately covered what was needed! We now have a new pup to insure these comments have me now worried on which company to choose Ugh!

J
John A
Ottawa, Ontario
Petsecure Canada Pet Insurance review
5/31/2017
We decided to cover both our cat and dog by Petsecure. We pay almost $70 per month for our dog, and I have come to realize that this is really not insurance coverage, but should be considered as simply pre-paying your pet's medical expenses. Over the course of your coverage, the company takes steps to ensure they do not pay more in claims than what they have received in premiums. In our case, our dog has had a couple of unexpected health issues that have been relatively expensive (of course that is the very reason why we purchased pet insurance). As a result, Petsecure has twice reduced our co-insurance, from 80% to 60%, and now to 50%. They do not clearly explain they will do such changes, although the fine print does permit them to do so. But of course our premiums remain the same, and may probably increase soon. So when purchasing health insurance for your pet, be aware that the Company reserves the right to reduce the coverage, and will likely do so, if you have to make a claim. In the long run, if you simply put the money aside that you would have to pay in premiums, You would likely come out ahead.

Kim W
Hamilton, Ontario
Trupanion Canada Pet Insurance review
5/1/2017
I would have to give trupanion 5 stars for how they handle their claims, however their prices just keep creeping up and I am now paying almost 75.00 a month to insure a 4 year old male bulldog who I have never filed a claim on. I will say that the insurance was worth it on my female dog as they covered over 9000.00 in a year and a half for two bowel obstructions on this dog. I have never had pet insurance before but when we got the Bulldogs it was advised. Now I'm wondering if I should keep paying this insurance On my healthy male. I did at one point have my cats insured also, but it was costing me well over 200.00 a month to insure the dogs and cats which I just couldn't afford anymore. I think it is time to have a talk with,y vet about whether or not he thinks I should keep the insurance.

J
Julie F
Victoria, British Columbia
Trupanion Canada Pet Insurance review
3/4/2017
I've had my yellow lab insured with Trupanion since she was a puppy. Back then the company was called Vetinsurance. They've always been good at processing our claims and thankfully it's only been small issues these past 8 years. However I paid ~$32 a month in the beginning and this has steadily risen to $127 a month. I'd likely be better off putting that money aside each month just in case, but that's a risk I'm hesitant to take.

Zeljka J
Calgary, Alberta
Petsecure Canada Pet Insurance review
10/24/2016
Petsecure has been amazing to deal with , its been almost 2 years and not once have we had an issue - claims are processed quickly and painless-I have a gentle giant that doesn't know his own strength that has needed a few stitches as well as a pretty serious CCL surgery and pet secure has not let me or my fur baby down! thank you! I have only had to call in once about a couple questions and it was the best customer service, so I am one very happy customer!

J
John W
Whitby, Ontario
Petsecure Canada Pet Insurance review
9/8/2016
Pet secure is reasonable and fair & seems superior to the rest. Your TOTAL YEARLY DEDUCTIBLE is $100 for 'secure 3' or $250 for 'secure 4'. I went with secure 4 because my yearly preventative care is $613.07 (Breakdown- exam $78.90, vaccines $41.10, bordetella $33.10, blood test $67.70, flea & Tick 170.10, heart worm 110.04, fecal $41.60 = $542.54 (Total) + $70.53 (tax) = $613.07). With secure 4, you also get $600 in dental preventative care. Secure 4 (with tax) $123.78 x 12 = $1,485.36 ($1,735.36 with $250 yearly deductible) or Secure 3 $85.62 x 12 = $1,027.44 ($1,127.44 with $100 yearly deductible). I end up spending $1,213.07 on preventative each year. After the $1,735.36, I'm left with about $41.67/month for full coverage of any other issues. You pay up front for treatments and they deposit the money within 15 day into your account. If there is a catastrophic event, they will pay the vet directly. The customer service folks seem great. I recommend them highly! BTW, it is a monthly commitment and you can quit anytime without penalty. I wish I had gotten it before our dog fractured 2 teeth and platelets dropped significantly costing over $2k :-(( "Live & learn!"

M
Melanie
Calgary, Alberta
Trupanion Canada Pet Insurance review
7/6/2016
Was amazing when I needed it!! No questions asked. Big relief!

B
Beth c
Oakville, Ontario
Trupanion Canada Pet Insurance review
7/1/2016
Great insurance! I've had great claims experience for 8 yrs now, all my claims have been paid without issue. I highly recommend trupanion to anyone looking to get insurance.