Desjardins vs Trupanion pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-05-19).
The key differences
- Trupanion offers a higher maximum reimbursement (90% vs 80%).
- Trupanion has an unlimited annual limit option; Desjardins tops out at $2,000.
- Exam fees: Desjardins — covered; Trupanion — not covered.
- Trupanion uses a per-condition lifetime deductible; the other resets every year.
- Dental: Desjardins — add-on only; Trupanion — injury & disease.
- Trupanion can pay your vet directly at checkout.
Side by side
| Feature | Desjardins | Trupanion |
|---|---|---|
| Plan | Bronze Paw | Comprehensive Policy |
| Price level | $ Budget | $$$ Premium |
| Reimbursement | 80% | 90% |
| Annual limit (max) | $2,000 | Unlimited |
| Deductible | Annual | Per condition |
| Exam fees | Covered | Not covered |
| Dental | Add-on only | Injury & disease |
| Pays vet directly | No | Yes |
Show all rows
| Feature | Desjardins | Trupanion |
|---|---|---|
| Alternative therapy | Not covered | Add-on |
| Accident wait | 2 days | 5 days |
| Illness wait | 14 days | 30 days |
| Orthopedic wait | 6 mo | None extra |
| Wellness option | No | No |
| Multi-pet discount | 10% for 3+ pets, 15% for 6+ | None |
| Enrollment age | No maximum enrollment age. | New policies up to age 14. |
| Availability | Sold in every province. | Sold in every province. |