Pets Plus Us | Pet Insurance Review


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.

out of 5

POSTED: | BY: Linda

Invaluable service & easy claims process.

We have a French Bulldog named Pierre, and have had him insured since the day we took him home from the breeders at 10 weeks old. My husband and I knew that frenchies traditionally have a lot of health issues, ranging from various skin allergies, to hip issues, to breathing issues etc. We looked into insuring Pierre before we picked him up, expecting that his insurance premiums would be incredibly high due to the breed, we were wrong. When we phoned Pets Plus Us for a quote, they were friendly, knowledgeable, and regardless of Pierre's age and breed, his quote was the most reasonable monthly payment for Accident and Illness we received. The service rep explained the whole process over the phone, and it was so simple. My pet's policy is easier to read and understand than my home or auto insurance! It was simple, under Accident and Illness, if Pierre was ever hurt or sick, and it was not a pre-existing condition or a regular checkup appointment (ie. vaccinations, or flea prevention) it was covered! In the past year, Pierre, like a kid, got sick with just about everything you can think of! He got kennel cough, he got a scratch in his eye and needed to see a doggy optometrist, he got canine papilloma, he's had ear infections, and skin irritations. The vet visits, optometrist visits, and the medicine tallied to over a grand easily within the first 8 months. It was ALL covered!! I received a cheque in the mail usually within the week of submission. The claims process was so easy. One sheet of paper, easy to understand and even easier to submit. It was actually so easy that the Vet submitted most of the forms for us. All I had to do was sign and date the form. Without Pets Plus Us, we would've hesitated to bring Pierre into see the vet. They've provided us with the kind of service, and peace of mind to be able to keep our pet safe and happy. We owe his health to happiness to Pets Plus Us.

out of 5

POSTED: | BY: Lisa

Great Service, Honest, Fast, Reliable

We adopted an Olde English Bulldogge from a reputable breeder and decided to get pet insurance for piece of mind, hoping we wouldn't have to use it. After research we decided to go with Pets Plus Us and we chose the $200 deductible and 90% coverage plan. By 11 weeks old,our puppy developed chronic urinary tract infections that required multiple tests to find the cause. She also developed a cold and eye infection! It seemed like one thing after another that lead to expensive vet visits. It was scary and stressful but Pets Plus Us was the least stressful part! The claims and payment went through incredibly quickly and exactly as described. The customer service is helpful and great. We are very very happy that we chose to go with this company.

out of 5

POSTED: | BY: Jen Newton

I'd rate them 11/10 if I could

We adopted Mia from the Burlington Humane Society. When we took her on, we knew she’d had G.I. health issues stemming from a serious roundworm infestation. Knowing we were taking on a cat who'd started out life at a disadvantage, we thought we'd be wise and invest in pet insurance. Both our fantastic vet and the shelter recommended Pets Plus Us, so we went with them. And honestly, this decision was a life saver, or at least a life extender, for our cat. For the first year, Mia had continuing G.I. problems stemming not only from roundworm, but other parasites picked up while she was on her own before being rescued. We were nearly at the one year mark when we finally solved this issue. Throughout this, Pets Plus Us was with us every step of the way, covering 80% of our bills as per our agreement. It was just a week later that Mia was diagnosed with terminal cancer; our oncologist gave her only 4 weeks to live without a nearly $5000 chemotherapy treatment that wouldn't cure her but only slightly extend her life. Only the fact that we were with Pets Plus Us gave us the opportunity to fight for our cat. My husband has been out of work for over a year and a half and as the only breadwinner in a family of 4, this is the kind of extra expense that I couldn't manage on my own. But with Pets Plus Us taking on 80% of that bill, we had the freedom to agree to treatment and started right away. We're now over 6 weeks into treatment and things have gone amazingly well—the huge tumour in her neck disappeared in literally 48 hours. But we're very aware that we wouldn't have our girl with us anymore if it wasn't for Pets Plus Us. Hopefully we'll get through the 6 months of chemo. Past that, we may have only bought her 3 months or maybe up to 2 years. It’s a fatal diagnosis, but it allows us more time with her for now. Pets Plus Us has been nothing short of amazing. They make their electronic reimbursements to us in literally a matter of hours after submission. But they really show who they are by the little messages they send. You wouldn't think an insurance company would be happy handing over $2000 for chemo, but at the bottom of the receipt, they included a personal message: ' We are wishing Mia all the very best and are here for support if you need us.' On top of that, they actually called one evening to check in and see how she was doing, an unheard of customer service in this day and age. No doubt about it, this is a special kind of company.

out of 5

POSTED: | BY: Lily Mills

Relief in a time of sadness

When my partner and I adopted a little kitten that we would later name Charles, he was a rescue, but was given a clean bill of health with no apparent pre-existing medical conditions. Three weeks ago, he broke his arms and we opted to have him undergo surgery, the best but, admittedly, the most expensive option. It was only an option because we had insured Charles with Pets Plus Us. Unfortunately, two weeks into his recovery, he broke a third limb. This incident we did witness, and we were able to see that this break was due to a fall from a very low height. For that reason, our vet actually advised that he was quite possibly suffering from a rare bone disorder. A full diagnosis would have been near impossible (they have to go down to the DNA level for that), but we regardless decided that we should probably let Charlie go, to avoid the risk of having him go through any more suffering. It’s ultimately a really sad story, but Pets Plus Us did make this whole thing a lot more bearable, and at the very least, it gave us two more weeks with our cat. It was an awfully big payout for a policy we only held for maybe three months. I'm obviously now a huge advocate for pet insurance. We'll be signing up with Pets Plus Us again when we get our next cat.

out of 5

POSTED: | BY: Pat Kennedy

PetsPlusUs - Fast, Dependable and Caring

Sheila is an adorable one year old bulldog we inherited from our son. He found her too reactive. She has had consultations with behavioural vets, is on special meds and a special diet. All of this has been covered by PetsPlusUs with no questions other than asking us how she is doing and are we enjoying her! Happy to report she is improving and I’m always impressed that PetsPlusUs staff take the time to ask how she is when I call in re a claim! They do 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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