Trupanion vs Pets Plus Us: Pet Insurance Comparison (2026)
A side-by-side comparison of Trupanion and Pets Plus Us for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
Quick Verdict
Across our scored factors, Trupanion wins 5 to 2. That said, the right pick depends on your pet: Trupanion is best for pet owners who want comprehensive coverage and don't want to pay vet bills upfront, while Pets Plus Us is best for budget-conscious pet owners, especially costco or caa members.
| Feature | Trupanion 4.2/5 | Pets Plus Us 2.1/5 |
|---|---|---|
| Max reimbursement | 90% | 90% |
| Max annual limit | Unlimited | $15,000 |
| Accident waiting period | 5 days | 48 hours |
| Illness waiting period | 30 days | 14 days |
| Direct vet pay | Yes | No |
| Exam fees covered | No | No |
| Curable pre-existing conditions | Yes | No |
| Avg. monthly cost (dog) | $75 | $45 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | — | 5% |
| Customer rating | 4.2/5 | 2.1/5 |
Trupanion
Pet owners who want comprehensive coverage and don't want to pay vet bills upfront
Get Trupanion QuoteTrupanion: 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
Pets Plus Us: Pros & Cons
- Affordable premiums
- Costco members get preferred rates + first month free
- CAA members get 13.5% discount
- Flex Care covers pre-existing conditions
- No lifetime limits on claims
- Doesn't cover dental or alternative therapies in base plan
- Doesn't cover exam fees
- Complaints about premium increases at renewal
- Claims processing can be slow
Trupanion vs Pets Plus Us: FAQ
Is Trupanion or Pets Plus Us better for pet insurance in Canada?
Trupanion comes out ahead on more of our scored factors (5 vs 2), 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. Pets Plus Us is best for Budget-conscious pet owners, especially Costco or CAA members.
Which has a shorter waiting period, Trupanion or Pets Plus Us?
Trupanion has a 30 days illness waiting period and 5 days for accidents. Pets Plus Us has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Trupanion or Pets Plus Us?
Average monthly premiums for a dog are about $75 with Trupanion and $45 with Pets Plus Us. Your actual price depends on your pet's age, breed, and location.
Are Trupanion and Pets Plus Us available in Quebec?
Trupanion is available in Quebec. Pets Plus Us is available in Quebec.
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