Pets Plus Us | Pet Insurance Review


out of 5

Number of reviews 562

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.1
  • 4.0
  • 4.1
  • Count
  • 18
  • 75
  • 562
Pets Plus Us is a leading Canadian pet insurer whose goal is to help pet owners deal with all the joys and challenges of pet ownership. As well as making vet bills more manageable, Pet Plus Us provides its Blue Ribbon Benefits free with any coverage plan. 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.

out of 5

POSTED: | BY: Betty-Ann Jolley

Compassionate Support

I have a 10 year old tabby adopted from the Humane Society, named Howard. He has had several medical issues- chronic renal failure and pancreatitis flare-ups. The coverage for Howard has been excellent during this time and I would not be able to afford to look after him without it. However what strikes me most about this insurance company is the genuine compassion they show while helping you deal with a beloved pet's illnesses, even so far as to have on staff a Veterinarian available for grief counselling which I have used in the past with other pets. I would recommend this insurance company to anyone looking for a company that looks past the dollar bill and really understands how much pets are part of the family.

out of 5

POSTED: | BY: Sarah

Awesome service

We have used our insurance many times for our problem child dog. We love him but he has some problems. We have saved thousands of dollars with pets plus us and recommend pet insurance to anyone getting any pet.

out of 5

POSTED: | BY: Stephanie Conway

Great Pet Insurer

We have used Pets Plus Us for our 18 month old Golden. He has had some health problems that we didn't anticipate and has also eaten some foreign objects. We have always received out refund and they are fast to respond to any questions I might have.

out of 5

POSTED: | BY: Margaret Maclaren

Aw some

Our dog had a vet bill of around $500 and then surgery which was several thousand dollars. Pets plus us covered everything promptly after we paid the deductible. I wish we had the insurance with our other dog. At 6 years of age she got cancer in her jaw and the total bill came to around $10,000 .

out of 5

POSTED: | BY: Danielle Gauvreau

Lucky We Went With Pets Plus Us!

We purchased pet insurance for Milo in March of 2015 – when he was 4 months old. For the minimal premium of $22 a month, we knew that if anything arose, we were covered. A little over a year later in April of 2016 Milo broke his right hip, a funny jump and a scream later we were on our way to the animal hospital with our little 1 year old kitten. He had to be sedated immediately for the pain (a no brainer right?) when it comes to Pets Plus Us it was. They do not need to authorize procedures or medications prior to them being administered or performed. Something I never even thought of when we were choosing which company to go with. Some insurance companies require the vet to obtain authorization prior. He spent the night comfortably medicated and had the surgery the next day. In the interim I called Pets Plus Us to see what the procedure was to submit a claim and if they needed to be versed on what was going to happen prior. They were extremely sorry to hear of the situation, and walked me through where I could find the claims form on their website, and how to submit it. That is all they required. Our doctor was informed that we had pet insurance and to go ahead with whatever needed to be done to keep Milo happy (without having to authorize additional fees with us or the pet insurance company). The recovery was hard on everyone as its 6 weeks inside a big dog crate because you cant reason or explain to a cat that they have to sit still until they are fully healed. I submitted the form they required, along with a history from the vet of what had happened. In 6 weeks I received a cheque couriered to my office. Not once did they ask for additional information. They sent me a note saying they have received the claims form and if anything was missing they would be in contact. I thought for sure they were going to try and find a loophole somewhere to get out of reimbursement. They didn’t. They called to see how he was doing mid way through the recovery process at which time I asked if there was any issue with my claim and they responded no, its just being processed. They then called again after the full recovery time (6 weeks) to see how he was doing, and if the recovery went well. Skip ahead 7 months to November where he broke his other hip. This claim was a bit different (in a good way) in that he was limping funny which we attributed to the pins that were placed in his hip were bothering him.

Monthly Cost

$19 – $89, depending on your chosen plan.


You have a co-pay of 10%, 20% or 30%.

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

Payout Limits

Annual limit of $5,000, $7,500 or $15,000 annually depending on your chosen plan.


$100 – $700 age-based annual deductible.

Age Limits

Pet must be at least 7 weeks old to enroll.

Waiting Period

Coverage begins after 48 hours for accident claims. A policy waiting period of 14 days applies for illness claims.


Pre-existing conditions are not covered.

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.

Pets Plus Us is a leading Canadian pet insurance provider whose goal is to help pet owners deal with all the joys and challenges of pet ownership. As well as making vet bills more manageable, Pet Plus Us provides their Blue Ribbon Benefits free with any coverage plan. This provides owners with free 24/7 access to PetHelpFone™ and Pet Poison Helpline®, a subscription to Modern Dog or Modern Cat magazine, and more!

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