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: Satisfied Customer

Definitely the best choice in Pet Insurance

My dog was diagnosed with congestive heart failure at 1.5 yrs. His condition is terminal and it is EXTREMELY costly to provide him with all the medications and diagnostic care he needs to live a happy, normal life. Pets Plus Us has made it possible for us and our dog to enjoy what precious little time we have left together, without having to worry about financial constraints or having ANY added stress from claim issues. We had switched to Pets Plus Us insurance from another company because the rates were better and the coverage was more inclusive. I have to say that dealing with this company has been a PLEASURE!! I would absolutely recommend pets plus us to ALL pet owners. Their service is incredible, their staff is always friendly and helpful especially at the most emotional times. All my claims were paid with no questions asked and in a timely fashion. Even when there was a mix up with one of my submission they were available to help me work it out. When I call I am never placed on long holds and I have always been satisfied with the outcome. Forget everything you know about insurance, this company is different, they care about pets and their owners and it shows!!

out of 5

POSTED: | BY: Violette Wu

Do not use this company

Don't use Petsplusus, super slow and refused to pay. My dog is a golden retriever girl, this year, I took her to a pet clinic in my city to give her a full check, they said my dog is very healthy and they would like to offer me a free trail for a pet insurance which is Petsplusus (the insurance free trail only offers to the pet who is healthy after the examination). And then after around 20 days, my dog had diarrhea and ear infection when I took her to the clinic, afterwards they send all her results and records to Petsplusus, I have waited two months and I only got there information submission Emails, I had asked the animal clinic to send them another two times after the first time. After that, another 20 days past, they just disappeared, I have to call them to ask what happened to the claim, they told me the claim was declined, and they refuse to pay because my dog has previous skin issues (which I have never be told by doctors). Even skin issue did happen, how could a skin issue effects her tummy and ear?! I won't go any further with this insurance company, it makes me feel the worst! And the customer service was bad, she was really rude when she telling me the result, and when I said I do not think this is right, could you explain more, she said if you don't like the decision we made, you can apply for a review, they will contact you (I believe they will never do). I don't want myself to go through all these again, and I don't want anybody else to get the same result like me!

out of 5

POSTED: | BY: Richard

Save your money instead

My dog ingested something that cause her to vomit, have diarrhea and drool excessively all in the space of a couple hours. Took her to the emergency vet where problem was indicated as gastroenteritis- possible toxin. She received treatment and after a few hours were sent home two medication. Total bill was $718. Vet submitted claim but PetsPlus claim they did not receive it so spend time running around to get copies of report, scan and email. When I received the results of my claim, they said condition was excluded from coverage. My dog is only one year old and over the eight month period that we were covered by PetsPlus we paid $512 in premiums. I could have saved that money and also avoid the hassle. My health insurer Sunlife is easier to deal with than these guys. I am sure some owners with pets having catastrophic illness value the coverage but for most people I don't think it is worthwhile. Best just to open a special account and put aside some money for vet care.

out of 5

POSTED: | BY: Rose Nadon

Superior customer service and handling

Firstly, we were very impressed with the structure of the coverage: age divided into 3 groups only, 4 clear plans, 3 deductible coverage choices - this was not complicated like other plans. We insured both our dogs. Second, our 1st claim was handled with compassion, professionalism and efficiency. While investigating our dog's torn cruciate replacement, 3 further major issues surfaced including a left nephrectomy, adrenalectomy and cystotomy, all needing to be done immediately. PetsPlusUs underwriters worked diligently and quickly to advise on exclusions and inclusions so we could move forward fast. Immediately upon receiving pathology results, they mailed reimbursement cheques and Melissa went through the details clearly and concisely by phone with us. For your info: we only paid 35% of all fees. We were not out of pocket for long and came away with a most satisfactory experience. The cruciate ligament surgery is next and they've already committed to full coverage. We recommend this company highly for their empathy, efficiency, competence and reaction time. Calls were always returned promptly, and with answers. This is the way to conduct business. Ten out of 10, for sure. Rose Nadon and Murray Clifford, British Columbia

out of 5

POSTED: | BY: Joel


Great service all around. My kitten is back to her hyper self and my claim was paid in under a week. So happy I got insurance for my new little buddy. Owl was only home for a few days after I adopted her when she became very sick. She had a gift insurance from the shelter she was adopted from and I'm so thankful she did. Two nights nights in the emergency hospital was very expensive. I have since bought an extended policy and am now a believer in the benefit of insurance. I never want to worry about being able to care for her again. Thanks for being there for us!

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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