Pets Plus Us | Pet Insurance Review

I’m forced to give 1 star to write this, but make no mistake: Pets Plus Us deserves a ZERO. I have been waiting since January 30th for a claim to be processed. It is now mid-April. In that time, they have happily taken my premium payments without delay, yet they refuse to pay out what is owed. I have chased them via phone and email for months, and all I get is a "we're working on it" email 75 days later. This is predatory. They bank on you giving up or forgetting about the money. Do not let the "cute" branding fool you—they are unprofessional, unresponsive, and effectively holding my reimbursement hostage. NEVER EVER GET TRAPPED BY THIS COMPANY.

I’ve had my pets insured with Pets Plus Us since 2013. In fact, I used to work at PPU for the first few years they were in business. Even after I left the company for personal reasons, I still continued to recommend them. Now, in 2026, with pet 3 and 4 insured with them and the company has changed hands I can tell they are not the same company anymore - for the worse. They do not underwrite policies upfront anymore and now I can not make the same changes to my policies as I did with pet 1 and 2. Very disappointing to see that a company that was far and above a great pet insurance company is now turning into every other insurance company..

After 2 years of handing PetsPlusUs our monthly fees and not making 1 claim i decided to cancel the policy ( I'll bank $155/month myself) .Policy was cancelled Feb 7th...today is April 13th and I've yet to receive my premium refund seeing i cancelled 2 days after they took out their money from my bank. I had to email them first time in March- i was informed cheque was in the mail. Screw the 14 business day crap they tell you ...its been over 40 now!! Pet insurance is the biggest scam ever!! I wouldn't touch PetsPlusUs even if it was free. If I could give them less than 1 star I would!!!! Horrible company!!!!

After a length wait and talk on the phone to discuss why our second claim was rejected, they told us our original claim should never have been approved in the first place because it should not have been deemed 'an accident'. I had originally e-mailed them to clarify (no response after three days) and had to call them and spend close to hour on the phone to get this response! Awful experience.

We will never insure another animal with this company. They are literally, not trustworthy. I mistakenly thought I was buying insurance from a reputable company when my dog was young, so that all those years where we never used it and just paid them, would mean that when my dog was old (almost 15) and needed care, I would be able to have that security. Instead, this isn't that. This is gambling. If I use the policy in the previous calendar year, my premium goes up. My dog got and survived cancer twice in 2024 and 2025 and each time they raised her rate MASSIVELY the next year. Now she is elderly, and she needs her policy, and they have intentionally made it so expensive for me to keep my elderly dog insured I may have to quit the coverage. (Because there have been months where my family had to buy less groceries to keep my senior dog insured.) They want young healthy dogs to pay pay pay pay in, and then when your dog gets old and needs them, they run you off your policy with unregulated and EXCESSIVE premium increases. When I opened my policy it was $54/m, $200 deductible, 20% copay in 2018. Now that my dog has too many pre existing conditions for me to get her any competitive policy anywhere else, they have me at a $380/m, $600 deductible, 20% copay. Just to keep her insured. And I know it's because they don't want to insure her anymore, they don't want to honour my policy, and there is no regulation saying they can't just renegotiate MY/OUR end of this deal every year, to reflect *their risk* and *cover their profit margins* (and then some.) Never in a single year did I ever pay them less than I was reimbursed... NEVER ONCE. and they still raised my rates through the roof for no reason besides my dog is now not purely handing over cash. I know this because my other senior dog is also insured, is also 15y old, and has had no cancer, and their rate has gone up 5-10% year on year. (And now, my other dog of the same age and type) is $260 LESS than my dog that needed her policy TWICE to have minor surgeries to remove cancerous lumps. Done at the local vet, not even a specialist. And they're burning me off her coverage now--holding my elderly dog hostage with these rates. They know she is too old for me to get her any other plan anywhere else, so they have me by the throat. We have new pets NOT insured with PPU. (Time will tell if we get burned the same way.) But this has been a nightmare. Lose her coverage, or pay the ransom amount for her health and safety. After 9 years of paying every month. 9 years of two dogs insured. and they're forcing me to choose now between something I paid for so that *it would be here for us now*--or my families groceries. That's the kind of company this is. THAT IS WHO THEY ARE. .