Trupanion vs PC: Pet Insurance Comparison (2026)
A side-by-side comparison of Trupanion and PC Pet Insurance for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
PC is no longer available to new customers (as of 2026). PC Pet Insurance is no longer available to new customers. PC Insurance now offers home and auto insurance only (PC Financial was acquired by EQ Bank's parent EQB in 2026). If you're shopping for pet insurance, compare the active providers below — Desjardins and Petsecure use the same underwriting family (Petline) with a similar plan structure. This comparison is kept for reference and for existing policyholders.
Quick Verdict
Trupanion wins by default: PC is no longer available to new customers, so Trupanion is the only one of the two you can actually buy today. It's best for pet owners who want comprehensive coverage and don't want to pay vet bills upfront.
| Feature | Trupanion 4.2/5 | PC 3.5/5 |
|---|---|---|
| Max reimbursement | 90% | 80% |
| Max annual limit | Unlimited | Unlimited |
| Accident waiting period | 5 days | 48 hours |
| Illness waiting period | 30 days | 14 days |
| Direct vet pay | Yes | No |
| Exam fees covered | No | Yes |
| Curable pre-existing conditions | Yes | No |
| Avg. monthly cost (dog) | $75 | $35 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | — | 5% |
| Customer rating | 4.2/5 | 3.5/5 |
Trupanion
Pet owners who want comprehensive coverage and don't want to pay vet bills upfront
Get Trupanion QuotePC
No longer accepting new customers — see our comparison of active providers for alternatives
No longer sold — see alternativesTrupanion: Pros & Cons
- Unlimited lifetime coverage with no caps
- VetDirect Pay - vet gets paid directly
- Per-condition deductible (pay once per condition, ever)
- No waiting period for hip dysplasia
- 90% reimbursement on all eligible costs
- Higher monthly premiums than competitors
- No wellness/preventive care coverage
- Only one reimbursement option (90%)
- Doesn't cover exam fees
PC: Pros & Cons
- Most affordable starting prices ($10.95/mo dogs, $9.95/mo cats)
- Earn PC Optimum points on premiums
- Four plan tiers for different budgets
- Covers exam fees
- Available in all provinces
- 6-month waiting period for orthopedic conditions
- No mobile app for claims
- Changing plans requires new application
- Limited online reviews
Trupanion vs PC: FAQ
Is Trupanion or PC better for pet insurance in Canada?
Trupanion comes out ahead on more of our scored factors (5 vs 3), but the best choice depends on your pet. Trupanion is best for Pet owners who want comprehensive coverage and don't want to pay vet bills upfront. PC is best for No longer accepting new customers — see our comparison of active providers for alternatives.
Which has a shorter waiting period, Trupanion or PC?
Trupanion has a 30 days illness waiting period and 5 days for accidents. PC has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Trupanion or PC?
Average monthly premiums for a dog are about $75 with Trupanion and $35 with PC. Your actual price depends on your pet's age, breed, and location.
Are Trupanion and PC available in Quebec?
Trupanion is available in Quebec. PC is available in Quebec.
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