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Compare Pets Plus Us vs. Trupanion Canada Pet Insurance in Canada

What’s the difference between Pets Plus Us Canada Pet Insurance and Trupanion Canada Pet Insurance? See how our editors compare the two companies below.
Last Updated: November 09, 2017
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Pets Plus Us
8.4 / 10 - Excellent
#3 in Pet Insurance in Canada
Trupanion Canada
9.2 / 10 - Excellent
#2 in Pet Insurance in Canada
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Key Facts

  • Wellness care
  • Age-based annual deductible
  • Up to $15,000 in maximum benefits per year
  • Standard $100 deductible for accident only plan holders
  • Alternative treatment coverage
  • $1,000 in medical devices
  • Unlimited payouts and no caps on coverage
  • Can pay the vet directly - up to 90% coverage!
  • Award winning customer service
  • Per-condition deductible (good for chronic conditions)
  • Fast payouts and no penalties for filing claims

ConsumersAdvocate.org Ratings

8.4 / 10 - Excellent
8/10
Coverage
10/10
Benefit Limits
8/10
Deductibles
6/10
Reimbursement Models
9/10
Customer Service
8/10
Value
9/10
Reviews
9.2 / 10 - Excellent
9/10
Coverage
10/10
Benefit Limits
9/10
Deductibles
9/10
Reimbursement Models
9/10
Customer Service
9/10
Value
9/10
Reviews

Customer Reviews

 (7)
5.2 / 10 - Average
43%
5 stars
0%
4 stars
0%
3 stars
0%
2 stars
43%
1 stars
 (38)
5.6 / 10 - Average
42%
5 stars
3%
4 stars
5%
3 stars
13%
2 stars
34%
1 stars

Final Verdict

Trupanion Canada Pet Insurance has a higher overall rating than Pets Plus Us Canada Pet Insurance. Trupanion Canada scores better than Pets Plus Us across: Coverage, Deductibles, Reimbursement Models, and Value. Both companies score similarly on Benefit Limits, Customer Service, and Reviews.


Latest Reviews

Kim W
Hamilton, Ontario
5/1/2017
Trupanion Canada Pet Insurance review
I would have to give trupanion 5 stars for how they handle their claims, however their prices just keep creeping up and I am now paying almost 75.00 a month to insure a 4 year old male bulldog who I have never filed a claim on. I will say that the insurance was worth it on my female dog as they covered over 9000.00 in a year and a half for two bowel obstructions on this dog. I have never had pet insurance before but when we got the Bulldogs it was advised. Now I'm wondering if I should keep paying this insurance On my healthy male. I did at one point have my cats insured also, but it was costing me well over 200.00 a month to insure the dogs and cats which I just couldn't afford anymore. I think it is time to have a talk with,y vet about whether or not he thinks I should keep the insurance.


A
Amanda
Quispamsis, New Brunswick
3/28/2017
Pets Plus Us Canada Pet Insurance review
Fantastic company, highly recommend! I use it for all 4 of my pets and have never had any issues with pay backs. Processing times leaves something to be desired but the company is so good for covering everything it does not matter!


J
Julie F
Victoria, British Columbia
3/4/2017
Trupanion Canada Pet Insurance review
I've had my yellow lab insured with Trupanion since she was a puppy. Back then the company was called Vetinsurance. They've always been good at processing our claims and thankfully it's only been small issues these past 8 years. However I paid ~$32 a month in the beginning and this has steadily risen to $127 a month. I'd likely be better off putting that money aside each month just in case, but that's a risk I'm hesitant to take.


V
Victoria
Cochrane, Alberta
12/15/2016
Pets Plus Us Canada Pet Insurance review
I'd like to share my very disappointing experience with Pets plus us! I am a new client with 2 pups that are healthy. I happened to take my youngest pup to the vet as he was more stubborn to potty training and thought perhaps he might have a bladder infection that might be contributing to his pee accidents. So after the vet examination, extraction of urine as he was so tiny, 5 lbs.,there was nothing wrong with him outside of being a stubborn , tiny chihuahua mix and would take more time being house trained! The vet said there was no urinary infection or anything wrong with him. But apparently simple because I was a concerned , proactive pet owner, and despite the fact that there was no previous condition or treatment, their underwriter put a 12 mos rider against my pet based on the fact that I had simply taken him in to the vet to make sure there was not a potential infection that could be contrubuting to his slow house training. I was penalized for this on my policy, despite the fact the vet had stated there was nothing wrong with him and my dog has never been treated for any urinary issue in his life! How does a company ethically put a rider against a condition that the pup never had and was never treated for!!! Simple because I was making sure he was healthy and ok!! Dispite asking for any logical reason the underwriter refused to take the 12 mos exclusion off my policy for a condition my dog never had, and had never been treated for!! How does this make any sense! So after having to speak to a supervisor twice over, the condition that was none existent has now been reduced to a 6 mos exclusion that was not preexisting prior to insurance policy, nor was he ever treated for any urinary issue! I totally understand had my dog been treated for a condition prior to the policy. But he didn't!! So how is that fair and just!


J
Jolene J
New Westminster, British Columbia
9/3/2016
Pets Plus Us Canada Pet Insurance review
Pets Plus Us had been fantastic so far. My dog had a $5500 knee surgery at the specialist and the problem arose a few weeks after signing up, they are covering 90% of the surgery as that's the plan I signed up for. They also cover 90% of the physiotherapy and rehabilitation she will be needing. They never increase my monthly rates and won't increase my deductible until she is 5 years of age. So far absolutely recommend the company.


M
Melanie
Calgary, Alberta
7/6/2016
Trupanion Canada Pet Insurance review
Was amazing when I needed it!! No questions asked. Big relief!


B
Beth c
Oakville, Ontario
7/1/2016
Trupanion Canada Pet Insurance review
Great insurance! I've had great claims experience for 8 yrs now, all my claims have been paid without issue. I highly recommend trupanion to anyone looking to get insurance.