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: Minh Huynh

Super helpful, responsive, fast processing time

I have a 5-year-old male Shih Tzu, cute as a button. It was time for his blood test, heart guard, and vaccinations. I was a student so it was always hard to save the money for his needs. Now, I have good job but I wanted to increase my cash flow. I researched many companies and Pet insurance was the best for cost. Why pay for it in a lump sum when I can do it monthly @ 0% interest? I bought my little guy to the vet, got all his stuff done and the vet actually submitted the claim via fax I believe. It took about 10 business days for the money to be in my bank account. during that time, I emailed the support group because I have a few questions. They go back to me in about 24 hours and was very helpful. I would highly recommend pet insurance for everyone!

out of 5

POSTED: | BY: Kathy Hamelin

Wonderfull and Compassionate Insurer!

Unfortunately our poor little Archie, at only 5 1/2 months old, had to be put down due to acute Diabetes with organ complications. It is so sad when a family pet passes on but even worse, when it is a puppy that should have had his whole life ahead of him. We were devastated!!!I would like to extend our thanks to Pets Plus Us for their over-the-phone compassion and for their valued assistance which was provided to us during this horrible time. I highly recommend Pets Plus Us as it provided our family with peace of mind during the discovery process of Archie’s illness which in turn allowed us to provide all the necessary care that he so desperately needed during his short lived life. Our decision to insure our beloved pet with Pets Plus Us was the best decision we could have taken as responsible pet owners. After numerous vet visits, the bills started to add up and not once did we ever consider not pursuing his illness because of the expense associated with it! My claims were processed in under 14 days and the last and most expensive claim was processed in under a week. Moreover, a donation was made in Archie's memory. I commend their friendly staff and never felt alone, which is of paramount importance during a crisis such as this! I will absolutely insure our next puppy/dog with Pets Plus Us solely based on my experience with this company.

out of 5

POSTED: | BY: Jennifer Charron

Great communication

We have been fortunate to never have to put in a major claim as of yet so I cannot comment on that process, although while reading reviews it would seem people are highly satisfied with the process, albeit slower than they would like. I am here to comment on the process of signing up for the insurance and then keeping up to date with any changes and having them answer any questions that I may have. I have to say the process has been very easy, informative and absolutely not "pushy" for any up sells, or anything else for that matter. They simply answer your questions and state the facts and help you with your needs and requests. Simple. They also send a great package when you sign up that is very informative. All the "extras" you get are very clearly outlined and marketed to you (rather than hidden in small font somewhere for you to forget). We get email updates as required and everything is written out in plain English, very clearly and also with a fun and positive undertone, not to mention a bit of humour with, for example, the owner signing off his emails as "Top Dog". Based on non-claim related communication and customer service alone, I would not hesitate to recommend Pets Plus Us. I should mention that I did a full and extensive review or all Canadian pet insurances (took me a good month) with many comparison tables and lots of research. After reviewing, I selected Pets Plus Us based in the best value for price and also based on customer reviews for servicing claims.

out of 5

POSTED: | BY: Alexis Morris

Thank you Pet Plus Us!

Thank you Pet Plus Us, Mitzi had her dental cleaning a couple of weeks ago and no cavities or teeth extracted! Adopted her two months ago and the shelter was worried about her teeth, so all nice and clean now and no hidden issues! Next steps slowly getting her used to finger in mouth and eventually a brush. I had signed up Mitzi with the pet insurance and also the optional Wellness Plan and selected the Dental Cleaning. I emailed my submission the next day and last Friday I received a text and email that my submision had been processed! Guess what, my payment was already deposited into my cheuqing account this Tuesday! Full amount paid! Having gone through two surgeries and hospice level care for my previous cat who sadly died this February due to mammary cancer at age 18 and I didn't have pet insurance so Ginny Cat had been funded by MasterCard and I'm still paying that off. I knew when I adopted Mitzi I would be enrolling her immediately with a pet insurance plan. After researching many plans I chose Pet Plus Us as: 1) they review the veterinarian records and the underwriters let you know upfront if their are any restrictions on the particular pet so no surprise later. 2) as I knew I would need to take Mitzi in for her Dental Cleaning quickly, loved the optional Wellness Plan selections. I was able to use he option right away and by the end of the Wellness Plan term i will have finished the payments. So instead of a credit card high interest rate I'm only paying for what I selected on the Wellness Plan spread over a year for 0% interest! 3) with the accident and disease insurance insurance policy I know I won't be worrying as Mitzi ages about cancers and other diseases. 4) hey Pet Plus Us is Canadian!

out of 5

POSTED: | BY: Kathi

eye irritation

We purchased our first policy for our new puppy in 2012, then a 2nd policy for a second puppy in 2015. For the first couple of years, I had a few minor claims, but each one was reimbursed within 5 days and no hassles. However, for my past couple of submissions, it has taken 2 weeks or more, and my most recent claim is still not paid and was submitted 8 days ago. I called and was told to expect it to be around 15 business days at least. I would hate to see the turnaround time for a large dollar amount claim. It's supposed to be there so you aren't stressed over the cost of the vet visit. Other than the reimbursement time, it would be OK. Will start to rethink my choices. I read reviews going back to February and March stating 9 new hires and hope to have service back to normal. It is now almost July, so not looking promising. The coverage is great, but timely payment is not.

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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