Pets Plus Us | Pet Insurance Review


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.

out of 5

POSTED: | BY: Tammy Ball

I'm so glad I have Pets Plus Us insurance.

I picked up two kittens (Flip and Flop)from a rescue shelter and luckily they came with a free trail of pet insurance. One of the kittens(Flop)is that kitten that will be my forever problem cat. Within a day of being home his eye started to puss and swell and need attention. After 6 weeks of Vet visits and two surgeries on his one eye, he can partially see out of it and he is doing well. It cost over $2500 ans Pets Plus US covered the 80% no hassles. The Vet sent all the paperwork in and within 10 days the payment was in my bank account. Move forward one year same kitten (FLOP)has somehow broken both his back legs. (indoor cat and a growth plate problem?? Who knew) He needed multiple x-rays Vet visit and Pain meds. It took over 3 weeks to see the Specialist who completed a bilateral hip joint removal. He is almost back to himself minus the hair not fully regrown.(he looks like he's not wearing any pants ... really funny) Pets Plus Us fully covered %80 of all the expenses no question no hassles, the vet sent all the bills in a I had full payment within 10 days the cost was up over $3000 this time. It was wonderful how fast and easy it was to claim. I think this is the best insurance I have. To top it off they have called to see how the FLOP is doing!!

out of 5

POSTED: | BY: Dmitry

Excellent Insurance

I got Pets Plus Us insurance shortly after adopting adorable puppy Molly. 2 weeks later she had an accident and her front leg was fractured. The vet at emergency hospital recommended to leave Molly overnight for additional assessment in the morning. Next morning I've received a phone call and was told Molly needs surgery asap. Everything went great and she recovered completely. I paid almost $5,000. When Molly was discharged I sent a claim request to Pets Plus Us. Without any problems at all I received reimbursement 2 weeks later. Without Insurance I would probably recover from this expense for a year or more.I hadn't had any experience with Pets Insurance companies before, but will always use and recommend Pets Plus Us.

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.

out of 5



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.

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!

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.

Get a quote today

Leave a review