Pets Plus Us | Pet Insurance Review

4.1

out of 5

Number of reviews 682

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.2
  • 4.1
  • Count
  • 20
  • 131
  • 682

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.
1

out of 5

POSTED: | BY: Sam

You will not be happy at all with Pets plus Us.

If you don’t mind waiting a long time for repayment they are less expensive. I sent a prescription invoice on Feb. 4, 2019 and I still have not received a cheque? It’s March 19th. My other pets are with Trupanion. I always have cheque within 2 weeks. They also said I could appeal a decision 1 year later they made on my dog based on some erroneous reports before I adopted him. I waited two years, sent my appeal and again heard nothing back. My rates go up annually even though they said they would not. I thought I would try another company because I wa with Trupanion for many years and did not like their changes in their policies but they are considerably better than Pets plus Us.
1

out of 5

POSTED: | BY: Unhappy Customer

Total Rip Off

Wish I had read all the negative comments before I signed up for this insurance. When I thought the plan was canceled they kept billing me premiums and then sent me to a collections agency. A phone call would have been nice. Then I asked if I could make a claim since I am paying the premiums aparently owed. But they said no. So I basically paid them for 2 years of premiums with zero claims. They were not willing to negotiate. This business is about getting your money not caring for your sick pet. BUYER BEWARE do not use this insurance!!!
5

out of 5

POSTED: | BY: Dennis Marcus

Do what they say

Helped us over 10,000$./Dog is recovering well
1

out of 5

POSTED: | BY: Linda

NOT a Smooth Transition from PC Pet Insurance

We were sadly transferred from PC Pet Insurance to Pets Plus Us and there's a huge difference between the two. My vet has sent a number of claims over the past few months, but I've only heard back from Pets Plus Us 3 times. However, the biggest issue for me is that there is no way to access your account online. I don't mind if reimbursements take some time, but in 2019, I'd expect to be able to see my claims and reimbursements online. Disappointed and shopping for a different insurance company :( ...
3

out of 5

POSTED: | BY: J

Exhausting to deal with

If I could switch companies, I would! But my guy is stuck here because he has medication conditions he developed while on Pets Plus Us. There's almost always some problem or another that you need to call them about.. often them blaming the vet/waiting on the vet which is not true. My vets have shown me proof when they've sent what this company requests and they say they get this problem from PPU all the time. One of my vet clinics has stopped recommending this company. Their customer service is horrible. I just spent 20 mins on the phone, most of it on hold trying to sort out my monthly premiums ($200) for my cats and the discount I was supposed to be getting. Let me say this is the second time I've had to call.. and the first resolved nothing at all, which is typical of PPU. After 20 mins they either hung up on the other end or the call dropped, that's was 20 mins ago. No call back. Nothing. Still unresolved. Add to that.. one of my cats I have an e-mail from them stating the monthly premium would be x amount, and they actually charge nearly $10 more a month than I have them on e-mail stating it would be. I feel this company counts on just exhausting you fighting to get things resolved.. hoping you'll just give up. I don't recommend this company at all, it's far too much hassle. I've been with them for going on 3 years now. Oh and I've never gotten a reimbursement for my cats medications from last May! They denied it.. and it's the exact same ongoing medications they've continue to cover! lol Figure that one out? Literally no change or different, they just decide to decline a month of his monthly medications then resume covering it again lol Not the first time they've done this. They're very unreliable. I'm exhausted trying to deal with them. Reading other reviews it seems I'm not the only one. I will say the positives I've found is that they do cover alternative treatments and when they're not trying to wear you down and are actually on the ball, they're great.

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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