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. 

Average customer rating

7.9 Out of 10
60 Days 1 Year Lifetime
Rating 3.2 6.5 7.9
Count 5 65 429
1
Out of 10

Nope nope nope

Posted: 09/20/2021
By:
Jerry
Schmous

Im canceling my insurance with these guys asap. Have a vet visit tomorrow $1300 to which they are covering 0. Ive been paying $85 month during a pandemic for nothing. With the $200 you have to pay in order to even make a claim thats $1220. I should have just flushed that money down the toilet. Do not recommend. Going with another company.

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
1 - 8
10
Out of 10
Recommended

Great customer service

Posted: 09/13/2021
By:
Heather
Linge

We recently received a diagnosis for both of our cats that they had kidney disease before the age of 4. After a rollercoaster of a month, we are lucky to say this diagnosis was not correct. We had multiple claims for two pets through the course of 8 weeks, and all claims were processed in a reasonable amount of time with no issues. It’s great to be able to have an insurance company you can rely on, especially when you are going through turmoil with your fur babies.

Injury/illness
Claim Amount
Breed

Maine Coon

Age of Pet
1 - 8
2
Out of 10

Very slow

Posted: 09/13/2021
By:
Megan
Jamieson

They are a good company at heart but they are incredibly slow on reimbursements. It used to take 1 or 2 days and now it takes 3-4 weeks. If I had known it would be this bad I would not have joined. The whole purpose of insurance is to assist with costly vet bills and it's almost pointless when you don't even get your money back for an entire month.

Injury/illness
Claim Amount
Breed

English Bulldog

Age of Pet
1 - 8
2
Out of 10

Before You Sign Up...

Posted: 08/27/2021
By:
Christopher
Murphy

Before you signing up for pet insurance with PetsPlusUs (or any pet insurance) it is important to be aware of what exclusions may exist, and more importantly how those exclusions are applied, both in present and into the future.
In our particular case, we brought our dog to our vet because she was vomiting randomly and we could not figure out the cause. We took her in for a check up within a few days because it wasn't going away on its own.
Upon examination our vet found Nothing Wrong with her and suggested we try her on a "digestive" food.
In doing so, the vomiting stopped.
In the meantime we received our policy from PPU after its underwriter review process was completed. What we found within the policy is an "exclusion" for any vomiting conditions...ANY vomiting conditions. In other words, though no underlying illness was found PPU was excluding from coverage ANY current or future conditions associated with vomiting. If you've never looked up conditions that may have vomiting as a symptom, it is extensive. This is important because the exclusion does not only apply to the current circumstances, again, for which no underlying disease was found but any and all future conditions which may have vomiting as a symptom. Essentially our coverage was effectively reduced to conditions which do not have vomiting associated or anything like the dog being hit by a car.
After a few months our dog's vomiting returned to a lesser extent but it did return, so again we took her to the vet and requested virtually ever diagnostic test possible: blood tests, urine analysis, ultrasound, and more specific blood tests. PPU, to be clear, covered none of the testing though we continued to be enrolled with their insurance. The explanation given was that the testing was associated with the vomiting exclusion and therefore no coverage provided.
The diagnostics performed found No disease condition and the vet once again suggested a change in diet. With that change, the vomiting stopped.
With the issue seemingly resolved, and, more importantly, no underlying disease being identified, we Canceled our PPU policy due to the manner in which this was handled and the blanket exclusion being applied.
Since most conditions affecting a dog may have vomiting associated, our policy became largely ineffectual, but the premium remained the same.
PetsPlusUs is associated with Costco, and with their endorsement comes significant marketing exposure for PPU. We will be contacting Costco to review our personal experience and to gage Costco's understanding of the practices of PPU and their underwriter.
My hope is only to try and give consumers an example of the tactics that can be used to limit their pet's coverage. To be fair, it could happen with other insurers too...the point in this case is that there was Nothing found thru extensive diagnostics to warrant an exclusion, most especially on an on-going basis. If they wanted to exclude the current circumstance because the policy was still being reviewed by the underwriter before Final implementation, that might be viewed as fair; however, to exclude all such instances, regardless of circumstance, into the future, when Nothing was found in terms of an underlying condition, does this seem like an acceptable business practice? Does it seem reasonable? Fair? Does it reflect a concern for the well-being of the animal?
There are several pet insurers. Please take a good look at each and ask questions about when/how/if exclusions may apply and under what circumstances. Many times as consumers we are faced with choices and often we seek endorsements from family, friends, neighbors, co-workers, And by Reading reviews.
The best outcomes stem from being informed. Please choose wisely.

Injury/illness
Claim Amount
Breed

West Highland White Terrier

Age of Pet
1 - 8
Monthly Cost

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

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, $7,500 or $15,000 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. 

Waiting Period

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

Exclusions

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!