Pets Plus Us | Pet Insurance Review

4.0

out of 5

Number of reviews 874

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.
5

out of 5

POSTED: | BY: Margret

Thankful

I just wanted to comment as Ive noted some negative reviews. I think with every service there will always be good and not so great. We live in British Columbia, Canada and my experience has been nothing but positive. I have 3 pets, that includes an aging rescue cat. Ive always believed in pet insurance and have coverage for all of my fur babies. Ive found Pet plus Us submissions to be easy as our vet does this automatically after a visit. My old cat has required extra care and knowing that I have an outstanding vet and responsive insurance services has made such a difference in his/our quality of life. Thank you!
1

out of 5

POSTED: | BY: Jenna

Awful

I’ve been with this insurance for over a year, only had one claim and it took months when they guaranteed only a couple weeks. Customer service tells you as little as possible so you have to call back once a week to get any information and hope you get a good representative that can answer questions. I also had problems with payments, and they tell me it’s a system error and I have an extension to pay it, but no one calls me back to set up payment days and then I receive a cancellation email, which was a breach of the extension. So so many problems with this insurance since being with them. Would not recommend ever and will actively be encouraging friends and family to stay far away from it.
1

out of 5

POSTED: | BY: DJ

Questionable business practices

Pets Plus Us was unresponsive to repeated requests for a basic clarification: what, exactly, they consider “pre-existing conditions” under my dog’s new policy. They have full access to the veterinary records, yet refused to specify which conditions they believe are excluded. After a letter of complaint to the Ombudsman at Northbridge, the parent company, forced a response, apparently I should keep paying a sizeable monthly premium and only find out whether my dog is actually covered for a treatment if or when I file a claim. That's not insurance, it'a game of roulette! There is no ambiguity when they debit my credit card each month, but when it comes to defining coverage, the company suddenly becomes vague. Asking customers to pay while withholding clear information about exclusions is reprehensible and feels like a sleazy way of doing business. A company that cannot clearly explain what it will cover does not inspire confidence or deserve any customer’s trust. Potential amd existing customers, please take note!
1

out of 5

POSTED: | BY: DAVID

Great sales pitch. That's where it stops!

Pets Plus Us has been consistently unresponsive to repeated requests for general clarification on coverage and their definition of pre‑existing conditions on my dog's new policy. Taking out this policy feels less like sound protection and more like a game of roulette - you might be covered, or you might not. A company that can’t provide clear answers doesn’t inspire confidence or deserves business
1

out of 5

POSTED: | BY: Brandon

No Reimbursement & Terrible Customer Service

Think twice before signing your pets insurance with PetsPlus. I am stuck with them now and was it ever a mistake!

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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