Best Dog Insurance: Trupanion Pet Insurance or Pet Secure?


Best Dog Insurance: Trupanion Pet Insurance or Pet Secure? We often are asked what is the best dog insurance, Trupanion Pet Insurance or Pet Secure?  The truth is, pet insurance is important, and there are pros and cons to each.  We offer both and allow our parents to decide which works best for them.

Bringing your Border Collie pup home is an exciting time!  We get it and we want everyone to be covered, we highly recommend that you consider  puppy insurance options, ensuring a smooth transition for your new companion and insuring your covered if something unexpected comes up.


Best Dog Insurance: Trupanion Pet Insurance or Pet Secure?  The choice is yours. Willowcreek offers you the choice between Trupanion Pet Insurance & Pet Secure Insurance.

Trupanion’s complimentary 30-day insurance kicks in as soon as your puppies leave our care, with the added benefit of no waiting period.

On the other hand, Breed Select provides coverage for six weeks, beginning 48 hours after departure, with a maximum coverage of $750.

It’s important to note that Pet Select is exclusively available to our Canadian puppy parents. We believe that initiating puppy insurance is a proactive step towards ensuring the health and happiness of your newest family member, and we are here to guide you through the process.

Best Dog Insurance: Trupanion Pet Insurance or Pet Secure?

Best Dog Insurance: Trupanion Pet Insurance or Pet Secure?


Trupanion vs Petsecure: Side-by-Side Comparison

  Trupanion Petsecure
Age covered Puppies are setup on the insurance before they go home and wait periods are waved. 8 weeks – life (Deductibles increase with age so that premiums don’t)
Deductible Owner decides the deductible (which can be $0). The applied deductible is per episode or condition throughout the pet’s lifetime (for example, only paid if your pet gets sick again as opposed to every year). Owner has the choice between two options for deductibles. Amount of deductible increases when the dog reaches 5 years and 10 years old, respectively.
Coverage 90% covered 80% covered
Payout Limits None Depending on the plan you choose, there are limits to the amount of coverage per year. The most comprehensive plan provides unlimited coverage.
Effect on Coverage due to claim activity No cancellation of policy or increase of rate because of claim activity There are policy changes based on how many claims have been filed
Period to submit claims 90 days of treatment 6 months of treatment
Will exam fees be covered? No Yes, depending on coverage chosen
Will taxes be covered? No Yes, depending on coverage chosen
Will congenital & hereditary issues be covered? Yes Yes
Are pre-existing conditions covered No No
Is Wellness Care covered? No If you choose their most comprehensive plan, you receive $450 per year for wellness care.
Will holistic, rehab & behavioural therapies be covered? If you want coverage of these items, you can add a rider to your policy (at the start of coverage). Yes, depending on coverage chosen
Will prescription food & supplements be covered? Up to 50% food prescribed by vet for two months. Supplements only given to treat illness/injury, not for wellness. Not food. Prescribed supplements that have a DIN or NPH are
Is dental care covered? Your pet needs a dental exam every year and you must follow your vet’s recommendations (for example, regarding teeth cleanings) to be covered for any resulting illnesses or injuries. The amount of coverage you’re given each year depends on the plan you choose and renews annually.
Waiting periods before coverage begins waiting periods are waved for all Willowcreek puppies setup before they go home. 48 hours for accident, 14 days for illness, 6 months for denta
Is there a Free Trial? Yes Yes,  our breeder program offers a 6-week trial and has a 48-hour waiting period for illnesses and accidents
Is there Direct Billing? Yes Generally, No. But they will make exceptions for extraordinary circumstances or unusually large bills.

Best Dog Insurance: Trupanion Pet Insurance or Pet Secure?


Trupanion Pet Insurance:

Trupanion is a well-established name in the pet insurance industry, known for its comprehensive coverage and straightforward policies. Here are key features of Trupanion Pet Insurance:

  1. Lifetime Coverage:
    • Trupanion provides lifetime coverage, ensuring that your pet can receive medical care for chronic conditions throughout their life.
  2. No Payout Limits:
    • Unlike some pet insurance providers, Trupanion has no annual or lifetime payout limits. This means you can claim for eligible expenses without worrying about reaching a cap.
  3. Direct Payment to Veterinarians:
    • Trupanion offers a unique direct payment system. Instead of reimbursing pet owners, the insurance company can pay the veterinarian directly, reducing out-of-pocket expenses for the policyholder.
  4. One Simple Plan:
    • Trupanion keeps it simple with one comprehensive plan that covers illness and injury. This straightforward approach makes it easy for pet owners to understand their coverage.


Breed Secure Pet Insurance:

Breed Secure is a newer player in the pet insurance market, aiming to provide tailored coverage for specific breeds. Here are some features of Breed Secure Pet Insurance:

  1. Breed-Specific Coverage:
    • Breed Secure focuses on the unique health needs of specific dog breeds. This allows for more targeted coverage, addressing common health issues prevalent in those breeds.
  2. Wellness Benefits:
    • In addition to illness and injury coverage, Breed Secure offers wellness benefits. This may include coverage for routine vet visits, vaccinations, and preventive care.
  3. Hereditary and Congenital Conditions:
    • Breed Secure understands the importance of covering hereditary and congenital conditions, which are often more prevalent in certain breeds. This can be crucial for long-term health management.
  4. Customizable Plans:
    • Breed Secure allows pet owners to customize their plans to better suit the specific needs of their pets. This flexibility ensures that you pay for the coverage you actually need.

Comparison: Trupanion Pet Insurance & Pet Secure Insurance.


  1. Coverage Approach:
    • Trupanion offers a comprehensive, one-size-fits-all plan, while Breed Secure takes a more specialized approach by tailoring coverage to specific breeds.
  2. Payment Process:
    • Trupanion’s direct payment system simplifies the claims process, while Breed Secure opts for reimbursement, requiring pet owners to pay vet bills upfront.
  3. Limits and Caps:
    • Trupanion stands out for its lack of payout limits, providing unlimited coverage. Breed Secure, while offering customizable plans, may have limitations depending on the chosen coverage options.


Best Dog Insurance: Trupanion Pet Insurance or Pet Secure?

Your choice.


Both Trupanion and Breed Secure Pet Insurance have their strengths and cater to different needs within the pet owner community. Your choice between the two will ultimately depend on your preferences, your pet’s breed, and the level of customization you desire in your insurance plan. It’s essential to carefully review the policies, considering factors like coverage, payment processes.  Once you have decided which insurance you would like us to engage for us, you can send us a message or let us know in your puppies family chat group!


Trupanions website: #1 Pet Insurance in Canada | Trupanion


Pet Secure website:

Puppy Development
Delayed spaying and neutering in dogs
What is a responsible dog breeder?
Delayed spaying and neutering in dogs
Early Scent Detection (ESI) Willowcreek Border Collies
OMEGA-3 & DHA, is it good for dogs?
What is puppy ENS?
Health Testing, OFA | Responsible Breeding of Border Collies