Pets Plus Us | Pet Insurance Review

4.1

out of 5

Number of reviews 694

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.2
  • 4.1
  • Count
  • 18
  • 131
  • 694

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: Margaret Maclaren

Aw some

Our dog had a vet bill of around $500 and then surgery which was several thousand dollars. Pets plus us covered everything promptly after we paid the deductible. I wish we had the insurance with our other dog. At 6 years of age she got cancer in her jaw and the total bill came to around $10,000 .
5

out of 5

POSTED: | BY: Danielle Gauvreau

Lucky We Went With Pets Plus Us!

We purchased pet insurance for Milo in March of 2015 – when he was 4 months old. For the minimal premium of $22 a month, we knew that if anything arose, we were covered. A little over a year later in April of 2016 Milo broke his right hip, a funny jump and a scream later we were on our way to the animal hospital with our little 1 year old kitten. He had to be sedated immediately for the pain (a no brainer right?) when it comes to Pets Plus Us it was. They do not need to authorize procedures or medications prior to them being administered or performed. Something I never even thought of when we were choosing which company to go with. Some insurance companies require the vet to obtain authorization prior. He spent the night comfortably medicated and had the surgery the next day. In the interim I called Pets Plus Us to see what the procedure was to submit a claim and if they needed to be versed on what was going to happen prior. They were extremely sorry to hear of the situation, and walked me through where I could find the claims form on their website, and how to submit it. That is all they required. Our doctor was informed that we had pet insurance and to go ahead with whatever needed to be done to keep Milo happy (without having to authorize additional fees with us or the pet insurance company). The recovery was hard on everyone as its 6 weeks inside a big dog crate because you cant reason or explain to a cat that they have to sit still until they are fully healed. I submitted the form they required, along with a history from the vet of what had happened. In 6 weeks I received a cheque couriered to my office. Not once did they ask for additional information. They sent me a note saying they have received the claims form and if anything was missing they would be in contact. I thought for sure they were going to try and find a loophole somewhere to get out of reimbursement. They didn’t. They called to see how he was doing mid way through the recovery process at which time I asked if there was any issue with my claim and they responded no, its just being processed. They then called again after the full recovery time (6 weeks) to see how he was doing, and if the recovery went well. Skip ahead 7 months to November where he broke his other hip. This claim was a bit different (in a good way) in that he was limping funny which we attributed to the pins that were placed in his hip were bothering him.
5

out of 5

POSTED: | BY: Leigh-Anne Gartner

Would never own a pet with out insurance

I have had Louise since she was just hours old. She was an orphaned kitten that I hand raised and bottle fed. When she was just over a year old my husband and I went away on vacation, after a few days the house sitter let us know that Louise had been vomiting after eating. When we got home, I could tell right away Louise was not well. She was swallowing over and over, crying in pain, and drooling. I brought her to the veterinary clinic, where with x-rays it was determined she had something lodged in her esophagus. Off to the specialty hospital we went for an endoscopy, they had to put a camera down her throat and into her stomach to see why she couldn't swallow. It turned out to be pieces of her food that were stuck. They also determined that her esophagus had very little almost no motility. The muscles didn't move and contract the way they should to make her swallow. They were also able to diagnose her with low/non functioning lower esophageal sphincter. So the bottom of her esophagus did not close all the way as it is supposed to. This was causing stomach acid to splash up into her throat, irritating her esophagus, and likely cause the low motility. We decided to treat her with a strong antacid, as well as a medication that would hopefully increase the muscle contraction and therefore motility of her esophagus. This helped, but Louise continued to vomit and regurgitate regularly, and have episodes of food getting stuck, she would become painful, dehydrated and required hospitalization multiple times, over the next 2 years. She had multiple ultrasounds, multiple endoscopy procedures, and lots of trial and error with medications and types of food that would agree with her. It was difficult watch her choke and struggle so often. The most recent episode of choking, she was hospitalized for almost a week, because we couldn't get the pain under control. The radiologist at the hospital recommended we try doing a fluoroscopy swallowing study, to figure out exactly where and why food always gets stuck. At last Louise was diagnosed with a hiatal hernia. The hole in her diaphragm for her esophagus was much too large, and part of her stomach was up in her chest. This is a rare condition in dogs, but extremely rare almost unheard of in cats. It was decided that Louise would go to surgery. During surgery, Louise had a stomach tube placed into the side of her abdomen, to facilitate feedings while she was recovering.
5

out of 5

POSTED: | BY: Megan

Wonderful company!

We have a Chesapeake Bay Retriever who just turned 2 years old. At 6 months, he was diagnosed with entropion and has required 3 corrective eye surgeries and numerous other vet appointments. PetsPlusUs has given us the peace of mind knowing we could proceed with all of his surgeries. He's 100% now and we are so happy. Every time I call or email PetsPlusUs their first question is always to ask how Walter(our pup) is. They never make us feel bad or guilty for using the insurance. Without hesitation I would insure any other pets through PetsPlusUs. Truly a wonderful company that made our tough situation so much easier!
5

out of 5

POSTED: | BY: Megan

Wonderful company!

We have a Chesapeake Bay Retriever who just turned 2 years old. At 6 months, he was diagnosed with entropion and has required 3 corrective eye surgeries and numerous other vet appointments. PetsPlusUs has given us the peace of mind knowing we could proceed with all of his surgeries. He's 100% now and we are so happy. Every time I call or email PetsPlusUs their first question is always to ask how Walter(our pup) is. They never make us feel bad or guilty for using the insurance. Without hesitation I would insure any other pets through PetsPlusUs. Truly a wonderful company that made our tough situation so much easier!

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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