Pets Plus Us | Pet Insurance Review

4.1

out of 5

Number of reviews 677

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.1
  • 4.1
  • Count
  • 19
  • 130
  • 677

Updated: November 22, 2023

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.
5

out of 5

POSTED: | BY: Anne Farren

No hassle claims

We were introduces to Pets Plus Us in a puppy package we got from our vet with his first visit. Free 6 week trial, which we used, signed up and have unfortunately used them quite a bit. At 7 months old had a $4000.00 shoulder surgery. The company offered to have the specialist apply for their portion of the cost so we wouldn't be out of pocket and would only have to pay our part. I was blown away that they would do this! We have never had any issues with our claims and feel that they pay in a very reasonable amount of time. I would recommend this company to anyone with a pet. Vet bills are expensive.
1

out of 5

POSTED: | BY: Sue

Terrible

They wouldn't cover a root canal for my dog'show broken tooth. They would only cover extraction. I didn't want her to be painful but the consulting vet didn't seem to care at all. I cancelled my policy. I would never recommend this company. "Champions of pet owner happiness" pffft, yeah right.
5

out of 5

POSTED: | BY: G. Leo

So Glad We Got Insurance With This Company!!!

We have a female Labrador retriever that just turned 1 yr old, and we have had to take her in to the vet numerous times during her first year of life! I was reluctant to get insurance since she was just a puppy, so I thought, what could go wrong, but my husband really wanted it just to have peace of mind in case something happened. Nearly one year later, I have to say I am so glad that we got it!!! We have had to bring her in for: a recurrent urinary tract infection, an accident with another dog that left her limping really badly so she needed X-rays, an eye infection, and pneumonia!!! Never thought that a pup could run into so many issues in her first year!!! In total it would have all cost us $3000 for the numerous visits, X-rays, tests and medications. Pets Plus Us has paid for all of it at 90% with no issues, no questions asked! Only with her recurrent bladder infection, we had to explain some expenses, but once discussed with a rep, it was cleared up and covered. We do have to wait about 3 weeks or so for reimbursement but I usually pay by credit card, so by the time the bill is due, the cheque arrives in time!I would definitely recommend using this company for your pet. If you are debating whether or not to get insurance for your pet, my advice is to definitely get it!!! Never imagined I would need to visit the vet so often in the first year of having a pup! With each visit with tests and meds costing around $700, so worth it to have insurance and pay the affordable premiums and have no worries if something happens!
1

out of 5

POSTED: | BY: Camille

Extremely Long Reimbursement Times

Have had no problems, I've liked dealing with the company, they've covered all problems and been a stress reliever when it comes to getting good care for my pet. However I was just told to expect a 15-20 business day turnaround for a claim to be processed, which is ridiculous. Especially when other large competitors offer direct billing so you are never out of pocket. Would likely not insure another animal under this company for this reason.
1

out of 5

POSTED: | BY: Helena

Disappointing

I bought accident insurance for my 4 month old kitten. The poor kitten fell from the ground floor to the basement. He could not stand on his left hind leg, blood was coming out of his nose and he was in pain. We rushed him to the vet ER. Because the vet report says his presentation was "limping", Pets Plus Us denied the claim saying that it is not obvious it was an accident. Really!? Save yourself some grief and your business elsewhere. They do not deal in good faith. Do not insure with Pets plus Us.

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.

Coverage

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.

Deductible

$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.

Exclusions

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: https://www.petsplusus.com/service-claims/brochures-guides
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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