Pets Plus Us | Pet Insurance Review


out of 5

Number of reviews 713

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.2
  • 4.1
  • Count
  • 18
  • 131
  • 713

Updated: May 29, 2024

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.

out of 5

POSTED: | BY: Tracy


Finally a claim service that is user friendly! The quick response to claims is truly wonderful! Thank you very much.

out of 5

POSTED: | BY: Fred &

Couldn't have done this without Pets Plus Us

Thanks from both of us for trying to help Lucky. You gave us 34 extra days with are beautiful boy. You definitely went above and beyond and exceeded our expectations. Thank you!

out of 5

POSTED: | BY: Zark

Pleasantly surprised!

My little pup was less than 3 months old when she broke her paw. This being my first dog I had no clue how to deal with the situation or how much it was going to cost. I knew that the breeder had included 1 month of insurance as part of my agreement which covered a maximum of $1000. I knew that a broken paw was going to cost much more than that... I called Pets Plus from the animal hospital when I found out that the surgery was going to cost $3500. I didn't know how I was going to cover the expense and explained the situation. The representative that I spoke to gave me several options for accidents and illness and informed me that if I registered for a policy that day then by the time my pup goes in for her surgery they next day the policy will be active and her surgery expenses will be 90% covered. I was actually quite shocked that they were willing to cover this expense even when they knew that my puppy was already hurt and how much the surgery was going to cost. Needless to say I was super happy and impressed with their exceptional service. The icing on the cake is that I was reimbursed within 3 weeks! I highly recommend Pets Plus and am super happy with their service!

out of 5

POSTED: | BY: Debbie Maddison

Can't Thank You Enough

This is late coming, but as they say, better late than never! Our 3 1/2 yr old female french bulldog has had her troubles since day one. Hospitalized a couple of times for serious bouts of pneumonia before the age of 6 mos, a biopsy and other illnesses shortly thereafter, we have always been able to count on Pets Plus Us. Back in Jan 2017 Bailey had emergency surgery to remove a herniated disc and disc fragments. She went from running around one minute to practically being paralyzed the next. The amount of pain she was in was heart wrenching to watch. She needed an MRI to determine first if she needed surgery and second if it was in her best interest to have depending on severity (i.e. quality of life, need to put her down) we were terrified at the unknown. Also with her having anesthetic a couple of times, her pneumonia and the fact she is brachycephalic made it more serious to be put under - MRI 2 hrs; surgery 3 hrs for a total of 5 hrs. It was a decision we had to make on the spot. I quickly called PPU and spoke with Katie our rep. We were concerned about the cost as the surgery would be approx $9,000 and we wanted to make sure we were covered. Katie was able to review the file and give us confidence we were covered, however, if we wanted a 100% guarantee we would need to provide them with some info which we did not have time for. Needless to say, surgery went extremely well and PPU covered us for everything except our deductible and I think some meds. We love PPU, they have been there every time we have needed them. No increase in rates due to our usage of insurance which in itself is a relief. PPU has reimbursed us over $16,000 YTD and has not once denied our claim or threaten to drop us as clients. I feel totally confident with their service!! Always professional and ready to help out!! Thank you!!!

out of 5

POSTED: | BY: Crystal

Thank you - Pets Plus Us

I am a senior on a pension and my cat Kirby has been part of my family for 14-years. I purchased insurance with Pets Plus Us because of the recommendation of my veterinarian. I was hesitant as I didn't really understand pet insurance or the necessity of it. Your customer service agents provided me with so much information and took the time to answer all my questions, never trying to rush me off the phone. After 1-year with insurance, our loving Kirby got sick. The treatment to fix Kirby was more than $1,200, will be ongoing and we could not have given Kirby the treatment without the insurance. Kirby and I are so grateful for Pets Plus Us, thank you.

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.


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


$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.


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:
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.

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