Pets Plus Us | Pet Insurance Review


out of 10

493 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.2
  • 7.1
  • 7.9
  • Count
  • 6
  • 69
  • 493
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: 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 10

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 10

POSTED: | BY: Marion

EXCELLENT company to have on your side.

I an so glad we decided to use Petsplus as I thought I bought a healthy puppy and when we got her home she has been sick many times and the insurance company has always come through for us. Everyone should get on board with this company, always pays immediately on claims. EXCELLENT

out of 10

POSTED: | BY: Nicola Stunt

Pets Plus Us! Highly Recommended!

When we adopted Opie, our precious 12 week of Neopolitan Mastiff, our vet had us enrol in the one month free trial with Pets Plus Us! That decision was something that would become a godsend! We didn’t realize what a life saver it would be! Not only for beautiful Mastiff but also to protect our savings and future savings against unseen concerns. Our family had previously had a very healthy Bull Mastiff who had lived a very long, healthy life. Adopting a dog with health concerns did not cross our mind when I feel in love with our new family member! Shortly after his initial check up Opie started showing issues with his eyes, skin, allergies and the worst to come was he was examined and found to have bilateral hip dysplasia. We purchased the 80% coverage through the Accident & Illness insurance, and hoped we wouldn't need to use it anymore anytime soon. Well turns out we submit a claim monthly for his pain medicine, eye drops and other miscellaneous ointments and potions. AKA thousands of dollars later! Having pet health insurance certainly helped take some of the stress out of having our dog undergo 3 cherry eye surgeries, eye ulcer surgery and pain medication to manage him until he hits maturity. He has a hip surgery in his future, in the meantime, Pets Plus Us gives us the coverage to medically manage his pain. I would highly recommend Pets Plus Us to anyone looking for pet health coverage!! Thank you for being there for us!

out of 10

POSTED: | BY: Clarissa Barton

What a find

I bought an adorable miniature poodle at three months and friends encouraged me to get pet insurance. I was sceptical at first. Some years ago I had cats who were very healthy up till there last year (they were 17 when they died). I had diligently paid my premiums into a competitor's plan and when I needed to claim, I received very little assistance.Anyway I decide to join Pet Plus Us. When puppy was 4 months old it was obvious he was having difficulty. He was diagnosed with bilateral lateral displacement of the patella, a congenital problem. he required surgery straight away followed by rehab. At 10 months he had to undergo a more definitive surgery and is now signed up for more rehab. I have been so impressed with Pet Plus Us. At this point I have contributed to the plan for 9 months and they have reimbursed me for the significant costs that my puppy has incurred. The staff are polite and helpful and payment is very prompt. I would highly recommend this company.

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!

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