Coverage for Breeding Pets

Trupanion is the first pet insurance provider to cover certain health conditions associated with breeding dogs and cats.

As of August 1, 2014, the below Breeding Pet Rider coverage is available in all of Canada.

Cats and dogs that are intentionally bred to produce (usually) new purebred cats and dogs, or that are crossbred to produce entirely new breeds can be covered for illnesses and injuries related to breeding, whelping, and queening if you add our Breeding Rider to your policy.

Real-Life Example

Avery is a one-year-old Sphynx from Vaudreuil-Dorion, Québec who is insured with Trupanion as a breeding cat. When Avery became pregnant, she suffered from a difficult labour called dystocia. Avery was admitted to an emergency hospital where she received x-rays, ultrasounds, and labour-inducing medication, among other treatments. Because of Trupanion’s breeding coverage, Avery’s owner recovered 90% of the cost of treatment.

What is Not Covered

The following conditions are not covered under our core policy or our breeding pets category. These are planned, expected expenses that can you can budget for.

  • Planned caesarian births (unless medically necessary)

  • Routine prenatal examinations

  • Pre-breeding tests

  • Fertility treatment

  • Artificial insemination

How to Enroll

To receive coverage for breeding-related conditions, pet owners must classify their pet as a breeding pet at the time of enrollment. Enrollment is fast and easy. Simply start a quote here on our website or call our toll-free Customer Care specialists at 855.591.3190 who are here to help you 24 hours a day, 7 days a week.

Frequently Asked Questions

What are the common health concerns associated with breeding pets?
Male dogs and cats who are not neutered more commonly develop testicular cancer and prostate disease. Female dogs and cats who are not spayed more commonly develop mammary gland tumors, ovarian cancer, and uterine cancer. Females can also develop complications related to pregnancy due to above-normal pregnancy frequency. And some breeds, such as Bulldogs, must have cesarean section births because of increased risks.

Both intact males and females have an increased desire to roam, which if they're let outdoors, increases their risk of injury from auto accidents and unwanted aggressive behavior from other animals.

Are C-sections covered?
If your pet has a planned C-section because of medical risk factors (e.g., Bulldogs), the C-section is eligible for coverage once waiting periods are met.

If you plan a C-section due to concerns that the pet may whelp outside of normal business hours (not planned specifically due to medical risk factors), that would be considered preventive/elective and not eligible for coverage.

All unplanned C-sections are eligible for coverage once waiting periods are met.

Trupanion Provides Peace of Mind

  1. One Simple Plan

    To get comprehensive coverage without complexity.

  2. 90% Coverage

    To ease your financial commitment in a time of worry.

  3. No Payout Limits

    To get your pet the best care, whatever the cost.

  4. Vet Direct Pay

    So you don't wait for reimbursement checks.


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