Pets Plus Us | Pet Insurance Review

4.1

out of 5

Number of reviews 685

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.2
  • 4.1
  • Count
  • 20
  • 129
  • 685

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.
2

out of 5

POSTED: | BY: Richard

Save your money instead

My dog ingested something that cause her to vomit, have diarrhea and drool excessively all in the space of a couple hours. Took her to the emergency vet where problem was indicated as gastroenteritis- possible toxin. She received treatment and after a few hours were sent home two medication. Total bill was $718. Vet submitted claim but PetsPlus claim they did not receive it so spend time running around to get copies of report, scan and email. When I received the results of my claim, they said condition was excluded from coverage. My dog is only one year old and over the eight month period that we were covered by PetsPlus we paid $512 in premiums. I could have saved that money and also avoid the hassle. My health insurer Sunlife is easier to deal with than these guys. I am sure some owners with pets having catastrophic illness value the coverage but for most people I don't think it is worthwhile. Best just to open a special account and put aside some money for vet care.
5

out of 5

POSTED: | BY: Rose Nadon

Superior customer service and handling

Firstly, we were very impressed with the structure of the coverage: age divided into 3 groups only, 4 clear plans, 3 deductible coverage choices - this was not complicated like other plans. We insured both our dogs. Second, our 1st claim was handled with compassion, professionalism and efficiency. While investigating our dog's torn cruciate replacement, 3 further major issues surfaced including a left nephrectomy, adrenalectomy and cystotomy, all needing to be done immediately. PetsPlusUs underwriters worked diligently and quickly to advise on exclusions and inclusions so we could move forward fast. Immediately upon receiving pathology results, they mailed reimbursement cheques and Melissa went through the details clearly and concisely by phone with us. For your info: we only paid 35% of all fees. We were not out of pocket for long and came away with a most satisfactory experience. The cruciate ligament surgery is next and they've already committed to full coverage. We recommend this company highly for their empathy, efficiency, competence and reaction time. Calls were always returned promptly, and with answers. This is the way to conduct business. Ten out of 10, for sure. Rose Nadon and Murray Clifford, British Columbia
5

out of 5

POSTED: | BY: Joel

review

Great service all around. My kitten is back to her hyper self and my claim was paid in under a week. So happy I got insurance for my new little buddy. Owl was only home for a few days after I adopted her when she became very sick. She had a gift insurance from the shelter she was adopted from and I'm so thankful she did. Two nights nights in the emergency hospital was very expensive. I have since bought an extended policy and am now a believer in the benefit of insurance. I never want to worry about being able to care for her again. Thanks for being there for us!
5

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!
5

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.

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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