Pets Plus Us | Pet Insurance Review

4.1

out of 5

Number of reviews 780

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: Crystal Cyr

PetsPlusUs is a great insurance provider for your dog

You can take care of your animal so well and they can be in the best shape and then all of a sundden accident/injury happens. I feel so blessed to have a great insurance provider with PetsPlusUs. They helped me get my dog the surgery she needed so desperately.
1

out of 5

POSTED: | BY: Danila Sergienko

Avoid This Company – Terrible Experience

This insurance company has been incredibly frustrating to deal with. They don’t respond to emails, even though they recommend this as a way to communicate. When you call, they give you the runaround, and the information from one manager contradicts what another told me just days earlier. I paid premiums for six months to insure my two healthy cats. Both have all necessary international documentation, including microchips, passports, vaccines, and veterinary certificates. After six months, I took one of my cats to the vet for an ear infection and advice on food, as the cat had vomited three times in one week. The veterinarian explicitly noted in the medical file that vomiting is “not unusual.” The issue resolved entirely after switching food, which is also documented in the file. Despite this, the company claimed I hadn’t provided the “correct” medical documents—even though the documents I provided fully complied with the requirements outlined in their User Guide. I sent all required documentation when I enrolled and clearly stated, “If you need anything else, please contact me.” They never contacted me. Instead, six months later, they retroactively canceled my policy and promised a refund. It’s now been over three weeks, and I still haven’t received my money. To make matters worse, they created new policies for my cats and labeled everything from that vet visit—including notes from the anamnesis (not even a diagnosis)—as pre-existing conditions. For example, they listed: “Vomiting / Emesis and associated conditions” Seriously? Vomiting is a natural behavior for cats (e.g., regurgitating hairballs). It’s also a symptom of countless possible conditions. By labeling it a pre-existing condition, they’re essentially trying to exclude everything. This company doesn’t provide insurance—they provide excuses to deny coverage. Avoid them at all costs.
5

out of 5

POSTED: | BY: Lori Belcour

Great insurance partner

Pets plus us has always been a pleasure to deal with. They have great customer service and the claim process is quick and easy. Payment comes very quickly as well.
5

out of 5

POSTED: | BY: Erin Sprunt

BEST DECISION

I had purchased pet Inurance for my Golden when he was just a puppy. I always tetter tottered with the thought of is it worth it. I am paying a premium and not even going to use it (but isnt that how all insurances work. You hope you don't need it) My 7 Year old boy was diagnosed with Lymphoma and heving insurance was the greatest blessing. It made all of my decisions regarding Testing and treatment alot easier. If I hadnt had the comfort of insurance I wouldnt have got to enjoy my boy for as long as I did. I also adopted a new puppy after the loss of my boy and I ensured him before I even picked hime up.
5

out of 5

POSTED: | BY: Cindy Van Meeteren

Extremely helpful

Absolutely impressed with the detailed information and assistance provided!!

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

Coverage can include reimbursement for eligible: illnesses, injuries and accidents, hospitalization, surgery, hereditary conditions, diagnostics, prescription medications, alternative therapies, and behavioural therapies. Plus Additional Benefits such as, boarding for your pet if you’re hospitalized, holiday trip cancellation fees, lost pet advertising and reward, euthanasia, cremation, or burial.

You choose a reimbursement level of 70%, 80%, or 90%.

The pay-out amount is based on your actual vet bill and includes coverage of eligible exam fees and taxes.

An optional wellness coverage add-on is also offered for an additional monthly cost.

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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