Pets Plus Us | Pet Insurance Review


out of 10

488 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 8.7
  • 7.1
  • 7.9
  • Count
  • 9
  • 68
  • 488
Pets Plus Us is a leading Canadian pet insurer whose goal is to help pet owners deal with all the joys and challenges of pet ownership. As well as making vet bills more manageable, Pet Plus Us provides its Blue Ribbon Benefits free with any coverage plan. 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.

out of 10

POSTED: | BY: Megan Vezina

Stay Away!

I never leave reviews, but if I could give negative scores to these guys, I would. The only good thing about this insurance company is that the reps you’ll speak with are super nice (they can’t help you - but they’re still very nice). My pup had a skin infection, so I submitted a claim. Easy, right? Wrong. They state that it should take between 15-20 days to get a response after you submit. No problem. On the 20th day, they tell me they need the entire medical and background file on my dog. No problem. Now it’s another 15-20 days. Just as were nearing the NEXT 20th day, I’m told it’s been denied due to it being “pre-existing” because it shows in our file that he had puppy acne. The rep told me I could contest it by going back to the vet and getting a written statement saying that it wasn’t pre-existing, but that I probably wouldn’t win - even with vet confirmation. I cancelled my account with them. If it was this much of a headache for a small issue like a skin infection - I can’t imagine the nonsense they’d pull for a bigger issue. I’ll put that $100/month into savings for future vet visits myself. Try them out if you’d like, hopefully you’ll have better luck with them then we did. Good luck.

out of 10

POSTED: | BY: Leanne Neill

My claim for my dog was covered with out hesitation

My puppy eats EVERYTHING! I literally can not let her out of my sight, but we are a family and I am not the only one who cares for her, so sometimes she gets into things she shouldn't. She managed to eat a squeaker out of a toy plus a bunch of the stuffing while she was in her crate after we had gone to bed (lesson learned, no toys in crate). I took her to the vet when she woke me up at 2:00 am whining (I guess the stuffing made her super thirsty). I noticed the squeaker was no where to be found, so after googling what I should do I immediately took her to the vet, to try to avoid a blockage and a very expensive vet bill. They induced vomiting and the stuffing and squeaker came out. Then a couple of weeks later, she was in the backyard with us and she ate some wild mushrooms and got very sick. Again, straight to the vet for a very expensive bill, which was covered by pets plus us. Then after my claim went through I noticed on the bottom it said that your dog can only claim three times in it's lifetime for any of the following: foreign body ingestions, porcupine quill impalement and/or lacerations, fight/bite wounds/lacerations, motor vehicle injuries and poison ingestions. So now, my dog has made two claims in this very broad category, so I have to hope over the rest of her life (which is probably like 14 more years) she doesn't get hit by a vehicle or bitten by another dog or cut herself badly etc. I feel this is a bit unfair. I think repetitive behaviour is one thing, for instance, maybe she shouldn't be covered for eating mushrooms again, because as a pet owner I should now know better and make sure she stays away from them. And maybe she shouldn't be covered if she ingests another squeaker, because again, I know not to leave toys in her crate. But what does any of that have to do with her getting bit by another dog or lacerated while playing on a trail etc? Or the odd chance that a porcupine jumps out of the woods and gets her with a quill. I mean come on, these are very different scenarios that I think should be covered.

out of 10

POSTED: | BY: Alexandra Stevanovich

Pets Plus Us Insurance really helped us out!

Pets Plus Us insurance really came in handy when our German shorthaired pointer needed 2 TPLO surgeries. With the surgery costs to post-op appointments, to refills to physiotherapy, we were grateful to have the extra financial support during such a tough and financially stressful time. When we first got our pup, Arrow, I knew she was going to be a handful (obsessed with her ball, very hyper and loves being outside) and knew she would one day unfortunately probably hurt herself ..well I was right. 2 torn CCLs (and many many other small injuries throughout her life). Would 100% recommend investing in something like this.

out of 10

POSTED: | BY: Gaby Almero

Good Experience Overall

My puppy has had a few health problems. She is now two and had to get treatment for a liver dysfunction which she made a full recovery from and pancreatitis. Both treatments were covered by PetsPlusUs and it was a relief that I didn’t have the added stress of wondering how I was gonna pay for her treatments. Thankfully, our vet clinic submits all the claims for me so it is super easy every time!

out of 10

POSTED: | BY: Catherine Rosso

Happy to have the peace of mind coverage

Although pet insurance gets expensive and you may question it in the early years it is wonderful to have the peace of mind and coverage in your pets later years

Monthly Cost

$19 – $89, depending on your chosen plan.


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, $7,500 or $15,000 annually depending on your chosen plan.


$100 – $700 age-based annual deductible.

Age Limits

Pet must be at least 7 weeks old to enroll.

Waiting Period

Coverage begins after 48 hours for accident claims. A policy waiting period of 14 days applies for illness claims.


Pre-existing conditions are not covered.

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.

Pets Plus Us is a leading Canadian pet insurance provider whose goal is to help pet owners deal with all the joys and challenges of pet ownership. As well as making vet bills more manageable, Pet Plus Us provides their Blue Ribbon Benefits free with any coverage plan. This provides owners with free 24/7 access to PetHelpFone™ and Pet Poison Helpline®, a subscription to Modern Dog or Modern Cat magazine, and more!

Get a quote today

Leave a review