Trupanion vs Pets Plus Us: Which Is Better in 2026?
Quick Answer: Trupanion has the higher Trustpilot rating, 4.4/5 vs Pets Plus Us's 1.6/5. While Pets Plus Us offers flexible options and no upper age limits, Trupanion offers direct vet payment at participating clinics and no annual or lifetime payout limits.
Side-by-Side Comparison
| Feature | Trupanion | Pets Plus Us |
|---|---|---|
| Trustpilot Rating | 4.4/5 | 1.6/5 |
| Number of Reviews | 12,080 | 186 |
| Monthly Premium | Quote-based | Quote-based |
| Coverage % | Up to 90% | 70-90% |
| Deductible | $0-$1,000 | Annual |
| Annual Limit | Unlimited | $7.5K-$15K |
| Waiting Period | Varies by policy | 48 hours accident / 14 days illness |
| Full Review | View Trupanion Review | View Pets Plus Us Review |
Key Differences
- Massive rating gap: Trupanion 4.4/5 vs Pets Plus Us 1.6/5
- Trupanion offers unlimited coverage; Pets Plus Us caps at $15K
- Trupanion has direct vet payment; Pets Plus Us requires reimbursement
- Pets Plus Us has 48-hour accident waiting; Trupanion has 5-day illness waiting
- Pets Plus Us offers accident-only plans; Trupanion does not
- Pets Plus Us reviews mention premium increases; Trupanion reviews more positive
Who Should Choose Which?
✅ Choose Trupanion If You:
- Owners wanting top customer satisfaction
- Those who need unlimited annual coverage
- People preferring direct vet payment
- Owners of pets with chronic conditions
- Those willing to pay premium prices for peace of mind
✅ Choose Pets Plus Us If You:
- Budget-conscious owners accepting lower ratings
- Those wanting flexible reimbursement options (70/80/90%)
- Owners seeking accident-only coverage
- Multi-pet households (up to 15% discount)
- Those who prefer annual deductibles
Bottom Line
Trupanion
Strongly recommended. With 4.4/5 rating from 12,080 reviews, unlimited coverage, and direct payment, Trupanion is worth the higher cost.
Read Full Trupanion ReviewPets Plus Us
Not recommended. 1.6/5 rating indicates widespread customer dissatisfaction, primarily about premium increases and claim processing.
Read Full Pets Plus Us ReviewCompare All Providers
See how these companies compare to all 6 Canadian pet insurance providers
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