Pets Plus Us | Pet Insurance Review


out of 10

493 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.2
  • 7.1
  • 7.9
  • Count
  • 6
  • 69
  • 493
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 10

POSTED: | BY: Chris Haney

Ease of claims process.

I have had many claims over the last six years. The amounts have been from $100 to $3300. The process and timing of payment did not differ at all. As long as the proper documents are provided with the claim, no problem. I have not had one question from the company pertaining to any claim. When I called to review my coverage, they were very helpful and good knowledge of what is available and what is not. Very different than dealing with other insurance companies. I refer this company to other people all the time.

out of 10

POSTED: | BY: Renate Pfeifer

Good Plan

We have had this insurance on our pet for 5 years, since we got her as a puppy. The first year, she required surgery for orthopaedic disease of her shoulder at a specialist. Since then she has developed allergies which requires on going medications, treatment of ear infections, allergy testing, special diets. This insurance has allowed me to provide best care for my pet. My monthly premiums have been reasonable and not increased with claims. It is true that reimbursement can take a few weeks, but my auto insurance claims have taken much longer! It is also on the purchaser to ensure the coverage is what they are wanting. Read the policy! Pre-existing conditions will not be covered. This just makes since or everyone’s premiums would be huge. There are also things that won’t be covered-read the dental exclusions. It is on the consumer to do the research. There are many pet insurance providers, make sure you are comparing the different products available. I have my pet insured with Pets Plus Us, but insured my Mom’s dog with a different company based on Mom’s needs. Last piece of advice is most important, get insurance when your dog is a puppy with a clean bill of health. That way there will be no exclusions on your policy.

out of 10

POSTED: | BY: Adam Cook

Doesn't cover anything

I've been paying for this pet insurance for 2 years. When we found out we needed to get a deep teeth cleaning last year that wasn't covered because it was deemed preventative care. Fine I don't like that you won't cover it because why the hell am I paying monthly but I guess if anything more serious comes up it'll be nice. So this year when we brought our pet in for her checkup we found out that one of her back teeth has degraded more and needs to be extracted. And guess what? also not covered. What the hell am I paying for? You don't cover preventative care, you don't cover required care? this is just a scam. Stay away.

out of 10

POSTED: | BY: Marie McCammont


First time buying pet insurance, having adopted a special needs, 4 year old cat, who had been found in terrible condition. After approximately 9 months of rehab, we saw him & adopted him. Tara, the agent who assisted me, was very knowledgeable, informative, & her overall customer service was excellent, helping me determine what coverage & budget was best for Francis. I enjoyed the entire process. Thank you. Marie

out of 10

POSTED: | BY: Chuck Rotenberg


I had to email a number of times and then call to get a quote for our second dog. I spoke to someone about submitting back claims and she was sending me a paper form to complete so I could include multiple invoices from the vet - THAT WAS 3 WEEKS AGO

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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