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: 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.

out of 5

POSTED: | BY: Helena


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.

out of 5

POSTED: | BY: Satisfied Customer

Definitely the best choice in Pet Insurance

My dog was diagnosed with congestive heart failure at 1.5 yrs. His condition is terminal and it is EXTREMELY costly to provide him with all the medications and diagnostic care he needs to live a happy, normal life. Pets Plus Us has made it possible for us and our dog to enjoy what precious little time we have left together, without having to worry about financial constraints or having ANY added stress from claim issues. We had switched to Pets Plus Us insurance from another company because the rates were better and the coverage was more inclusive. I have to say that dealing with this company has been a PLEASURE!! I would absolutely recommend pets plus us to ALL pet owners. Their service is incredible, their staff is always friendly and helpful especially at the most emotional times. All my claims were paid with no questions asked and in a timely fashion. Even when there was a mix up with one of my submission they were available to help me work it out. When I call I am never placed on long holds and I have always been satisfied with the outcome. Forget everything you know about insurance, this company is different, they care about pets and their owners and it shows!!

out of 5

POSTED: | BY: Violette Wu

Do not use this company

Don't use Petsplusus, super slow and refused to pay. My dog is a golden retriever girl, this year, I took her to a pet clinic in my city to give her a full check, they said my dog is very healthy and they would like to offer me a free trail for a pet insurance which is Petsplusus (the insurance free trail only offers to the pet who is healthy after the examination). And then after around 20 days, my dog had diarrhea and ear infection when I took her to the clinic, afterwards they send all her results and records to Petsplusus, I have waited two months and I only got there information submission Emails, I had asked the animal clinic to send them another two times after the first time. After that, another 20 days past, they just disappeared, I have to call them to ask what happened to the claim, they told me the claim was declined, and they refuse to pay because my dog has previous skin issues (which I have never be told by doctors). Even skin issue did happen, how could a skin issue effects her tummy and ear?! I won't go any further with this insurance company, it makes me feel the worst! And the customer service was bad, she was really rude when she telling me the result, and when I said I do not think this is right, could you explain more, she said if you don't like the decision we made, you can apply for a review, they will contact you (I believe they will never do). I don't want myself to go through all these again, and I don't want anybody else to get the same result like me!

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.

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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