Pets Plus Us | Pet Insurance Review

4.1

out of 5

Number of reviews 867

Pets Plus Us is a leading Canadian pet insurance provider whose goal is to help pet parents deal with all the joys and challenges of pet ownership. As well as making vet bills more manageable, Pets Plus Us provides their Blue Ribbon Benefits free with any coverage plan*. Receive access to PetHelpFone™, Pet Poison Helpline®, and more! Learn more about Pets Plus Us plan options, read customer reviews, and get a quote so you can make an informed choice about your pet insurance provider. *Blue Ribbon Benefits not available in Quebec.
1

out of 5

POSTED: | BY: DJ

Questionable business practices

Pets Plus Us was unresponsive to repeated requests for a basic clarification: what, exactly, they consider “pre-existing conditions” under my dog’s new policy. They have full access to the veterinary records, yet refused to specify which conditions they believe are excluded. After a letter of complaint to the Ombudsman at Northbridge, the parent company, forced a response, apparently I should keep paying a sizeable monthly premium and only find out whether my dog is actually covered for a treatment if or when I file a claim. That's not insurance, it'a game of roulette! There is no ambiguity when they debit my credit card each month, but when it comes to defining coverage, the company suddenly becomes vague. Asking customers to pay while withholding clear information about exclusions is reprehensible and feels like a sleazy way of doing business. A company that cannot clearly explain what it will cover does not inspire confidence or deserve any customer’s trust. Potential amd existing customers, please take note!
1

out of 5

POSTED: | BY: DAVID

Great sales pitch. That's where it stops!

Pets Plus Us has been consistently unresponsive to repeated requests for general clarification on coverage and their definition of pre‑existing conditions on my dog's new policy. Taking out this policy feels less like sound protection and more like a game of roulette - you might be covered, or you might not. A company that can’t provide clear answers doesn’t inspire confidence or deserves business
1

out of 5

POSTED: | BY: Brandon

No Reimbursement & Terrible Customer Service

Think twice before signing your pets insurance with PetsPlus. I am stuck with them now and was it ever a mistake!
2

out of 5

POSTED: | BY: Jennifer

No Reimbursement & Poor Customer Service

I've been a paying client since my first dog back in 2018, so well over 6 years. Have submitted maybe one claim up until this summer, which I submitted the second claim in July this year. The process of submitting was never clear, had to email them, then after the submission went through, it didn't say anywhere how I was getting any payment back so after a few weeks I reached out wondering how to get my reimbursement. Then realized my file had a wrong address, so I updated it and they said they would cancel the cheque and resend it. It's been about 4 months and I still have not received any reimbursement. No emails from them or anything. My account needed a new credit card about 2 months after my reimbursement submission and I emailed them letting them know that I would update my card when they could tell me when I would get my reimbursement back. Nothing. My account clearly has cancelled because I refuse to pay them for 4 more months after I've submitted a claim and have yet to receive any reimbursement. Horrible customer service with no updates. Definitely will never use this insurance company again. You'd think they would treat their long term clients, or even try to communicate on payment after I've complained after 3 months that I still have seen nothing.
1

out of 5

POSTED: | BY: Katie

still processing my claim after 3 months and now policy is no longer active

It's been more than 3 months since my dog passed away and I made the claim. The claim status remained as "processing" and now, I can't even log onto the portal because i don't have an active policy anymore. How am i supposed to get my money? Am I getting scammed?
Please leave a review

Monthly Cost

Monthly costs vary based on your pet’s species, age, and location, as well as your chosen plan. Customize coverage to suit your pet’s needs and your budget.

Coverage

Coverage can include reimbursement for eligible: illnesses, injuries and accidents, hospitalization, surgery, hereditary conditions, diagnostics, prescription medications, alternative therapies, and behavioural therapies. Plus Additional Benefits such as, boarding for your pet if you’re hospitalized, holiday trip cancellation fees, lost pet advertising and reward, euthanasia, cremation, or burial.

You choose a reimbursement level of 70%, 80%, or 90%.

The pay-out amount is based on your actual vet bill and includes coverage of eligible exam fees and taxes.

An optional wellness coverage add-on is also offered for an additional monthly cost.

Payout Limits

Annual limit of $5,000 in Accident Only coverage, or $7,500 or $15,000 in Accident & Illness coverage annually, depending on your chosen plan.

Deductible

$100 – $700 age-based annual deductible.

Age Limits

Pet must be at least 7 weeks old to enroll.

There is no upper age limit.

Waiting Period

Coverage begins after 48 hours for accidents. A policy waiting period of 14 days applies for illnesses.

Exclusions

All pet insurance plans have limitations and exclusions. Medical Conditions that are noted, symptomatic or diagnosed prior to enrollment, or during a waiting period are pre-existing to Coverage and not eligible for reimbursement.

All Accident & Illness policies are underwritten upfront so pet owners are aware of any pre-existing conditions that will not be covered prior to making a claim.

What’s not covered:

  • Dental care
  • Reproductive health
  • Experimental treatments
  • Wellness or preventative care, unless a Flex Care plan is added

For all terms and conditions visit: https://www.petsplusus.com/service-claims/brochures-guides

Provider website

Pets Plus Us is a leading Canadian pet insurance provider whose goal is to help pet parents deal with all the joys and challenges of pet ownership.

As well as making vet bills more manageable, Pets Plus Us provides their Blue Ribbon Benefits free with any coverage plan*. Receive access to PetHelpFone™, Pet Poison Helpline®, and more!

*Blue Ribbon Benefits not available in Quebec.

Check Pets Plus Us out on Instagram, Facebook, and Twitter.

Pets Plus Us Pet Insurance policies are underwritten by Northbridge Insurance and distributed by PTZ Insurance Services Ltd. & Société d’Assurances Collectives (Sodaco) Inc. in Quebec.

Provider website

Get a quote today

Leave a review