Trusted by Veterinarians to help protect your pet
  • ✔ Coverage for all unexpected injuries and illnesses
  • ✔ 90% reimbursement with no payout limits
  • ✔ Offer lifelong coverage from birth

Extensive coverage for all pets
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  • Pets deserve the best, most comprehensive coverage
    The majority of cats and dogs will need veterinary attention at some point in their life, and there’s no knowing how serious things could be or how much it could cost.

    ​The New York Times reports, “If you buy a purebred animal, chances are high they have a genetic predisposition to a number of diseases, and if you rescue a mix, anything could be in store.”

    That's where Trupanion pet health insurance comes in.

    With a Trupanion policy, all pets get one simple plan that covers all unexpected injuries and illnesses. We reimburse at 90% and never impose payout limits, so your pet can get the best care when they need it most.

    Dr. John Basterfield, a veterinarian from the Juan De Fuca Veterinary clinic, agrees in the strength of Trupanion’s coverage, “The policy over the years has become broader and more comprehensive, adjusting to the increasing sophistication of medical services, diagnostics, treatments, and specialty care.”

​The American Veterinary Medical Association (AVMA) “endorses the concept of pet health insurance that provides coverage to help defray the costs of veterinary medical care” and give “high quality and up-to-date veterinary service” to pets in need.

Simply put, a Trupanion policy covers the medical expenses of ALL unexpected injuries and illnesses your pet may face, including:

Whatever medical procedures your cat or dog needs for those unexpected injuries and illnesses, we'll cover. That includes things like:

​Diagnostic tests    |    Surgeries    |    Hospital stays    |    Medications    |    Veterinary supplements    |    Herbal therapy    |    Prosthetic devices and carts
​We also offer additional coverage that complements our policy

These riders are available at an additional cost.

  • Recovery and Complementary Care Rider: To fully support your pet with complementary, non-clinical procedures, opt into this rider. You’ll receive coverage for:
Acupuncture, behavioral modification, chiropractic, homeopathy, hydrotherapy, naturopathy, physical therapy, rehabilitative therapy.
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  • Pet Owner Assistance Package: Help your pet outside the veterinary office by receiving coverage for:
Advertising and reward for lost pets, boarding fees in the event you are hospitalized, liability coverage for third-party property damage, cremation or burial for deaths due to an accident, holiday vacation cancellation costs.
We have made a deliberate choice not to cover wellness and preventive care.
Our philosophy is, why should we charge you extra for something that you can expect? When you can budget for wellness care costs, it doesn’t make sense to pay a middle man more to give that same benefit back to you.

Trupanion was founded to help pets get the emergency care they need, not to help pet owners with routine payments.

Other pet insurance companies limit coverage for pets

Not all pet insurance companies offer coverage for all unexpected injuries and illnesses. A lot of them have generally broad coverage, but there are big exclusions and limits to what they will cover. Sure, your policy may be a few dollars cheaper each month, but will it give your pet the best protection?

We want pets to have the best possible care

You wouldn’t want to buy the cheapest medical insurance policy for your children, so why buy that for your pet who is as good as family?
Our policy was developed by veterinarians and has been used to protect nearly half a million pets. It covers treatments and procedures related to thousands of conditions so you and your pet feel protected.
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No matter your pet’s breed, gender, or age, if they enroll in a Trupanion policy, they will receive our one simple plan that covers all unexpected injuries and illnesses. There are no tiers you can opt into, there are no gold, silver, or bronze plans, there is only our one simple plan that has what it takes to cover your pet when they need it most.
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find out more about how to make claims and pay for your pets services:

​OUR INSPIRATION
Most Petsecure staff are pet owners, 
so we understand the stress of having a sick or injured pet first-hand. 
Our dog-friendly workplace and frequent staff volunteer efforts to help pet organizations 
in our community are all part of our dedication to improving the lives of pets and their owners.
​A WEALTH OF EXPERIENCE

We know pets! Our team of 150 employees is trained and knowledgeable in all aspects of both the animal health and insurance industries.
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The skilled people on the Petsecure roster include licensed insurance advisors, bilingual representatives, and a claims team staffed by animal health technologists with real-world, hands-on experience in vet clinics. We also have an extensive group of support staff and representatives in the field working closely with clinics, breeders and shelters across Canada. 

*Secure 4 also provides an additional $350 wellness coverage for cats and $450 wellness coverage for dogs. 

For more information on Pet Secures claim process please click here:
Accident & Illness Pet Insurance

Our most comprehensive plan is also our most popular! Why do seven out of ten members choose this plan? Because coverage for accidents and illnesses means total peace of mind.

Total coverage that fits your pet and your budget It’s important to be prepared in case your pet has an accident. But did you know that 70% of visits to the veterinarian are illness-related?

Accident & Illness coverage of  $7,500 or $15,000 annually means you can concentrate on helping your pet recover, without worrying about finances.

How Accident & Illness coverage works

Coverage is flexible, and so are the fees you pay
  • You choose $7,500 or $15,000 in coverage per year
  • You decide how much we pay: 70%, 80% or 90% of the veterinary bill (including the tax)
  • You pay:
    • 10%, 20% or 30%, plus your monthly premium
    • An age-based deductible and only if you make a claim that year
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​It’s pet insurance that comes with complete confidence
Thanks to the veterinarians and pet owners who designed our insurance, we provide pet insurance that puts you and your pet first:
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  • 4Life Guarantee - All Pets Plus Us coverage comes with our 4Life Guarantee. That means that once you’ve enrolled for coverage, your benefits are automatically guaranteed to renew each year for your pet’s entire lifetime.
  • No breed exclusions - we cover every breed, and even health conditions associated with a breed, if they aren’t pre-existing when your coverage starts.
  • Know what’s covered from the start - insurers call this “underwriting upfront”. We look at your pet’s health records and tell you if anything’s not covered when you purchase, so there are no surprises later on.
  • Annual deductible - once you’ve paid your full deductible for the year, you don’t have to pay it again, even if you have more claims before the year is out. If you don’t make a claim during the year, you don’t pay the deductible.
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And don’t worry about age -- no pet is too old for coverage (although it’s a great idea to start early, when there are fewer possible pre-existing health conditions to worry about).
​What’s covered?
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  • Illness
  • Injuries and accidents
  • Hospitalization
  • Surgery
  • Hereditary conditions
  • Diagnostics
  • Prescription medications
  • Alternative therapies
  • Behavioural therapies

PLUS, $1,000 in additional benefits, per incident, for each of these:
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  • Boarding for your pet if you are hospitalized due to an accident and can’t care for him or her
  • Holiday trip cancellation if your pet has a medical emergency
  • Lost pet advertising and reward  
  • Cremation or burial (we’ll also make a $50 tribute donation to a pet charity as selected by Pets Plus Us in honour of your pet)
​You also get our exclusive Blue Ribbon Benefits
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  • PetHelpFoneTM - a 24/7 emergency service that’s available when your regular veterinarian is not.
  • Compassionate Care Line - our dedicated, professional in-house counsellor can help deal with serious illness, injuries and bereavement.
  • Pet Poison Helpline® - a 24/7 animal poison control service that can assist you if you think your pet has ingested a toxic substance.
  • Pet Concierge - find the latest and greatest pet-related services, products and businesses.
  • Emergency Medical Coverage -  $1,000 in pet insurance coverage if your pet incurs a life-threatening injury while lost.
  • Includes a paid subscription to Modern Dog or Modern Cat magazine.
​We’re not fans of fine print, so here’s a basic list of what’s not included:
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  • Wellness care, dental and some other types of treatment
  • All pre-existing conditions  (i.e. a condition which showed itself, although it may not have been diagnosed, before coverage was effective)
  • Conditions that arise within the 48-hour waiting period for accidents and 14-day waiting period for illnesses
Top questions answered

  • What is a deductible?

The annual amount that you are responsible for paying before we make a reimbursement under your policy. All Pets Plus Us coverage options include an annual deductible that only applies if you need to make a claim. 
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  • What is a co-pay?​

The co-pay is a percentage of what you pay versus what we pay, before your deductible. We call it “your share”. With Pets Plus Us Accident & Illness coverage, you can choose your share – 10%, 20%, or 30% – as well as your deductible, allowing you to set the terms of your plan to meet your needs and budget.

  • Will you drop my coverage if my pet gets old or sick?

As long as your pet has Pets Plus Us coverage, we will never cancel his or her policy due to age or claims. We understand that pets can develop a chronic illness and need lots of care (just like humans), so all Pets Plus Us Accident & Illness coverage comes with our 4Life Guarantee. That means once your pet is enrolled for coverage, his or her benefits are automatically guaranteed to renew each year. The only cost increase you’ll see is of veterinary care increases.