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Pet Plus Us is one of the most popularized pet insurance companies. Their wellness care plan includes unique veterinary preventive measures. Their proactive nature can help your pet get through tough times. Whether your cat or dog has been into an accident or suffering from illness, Pet Plus Us is arguably one of the most standard options you can choose.

Some of their services for pet owners include emergency medical coverage, pet concierge, compassionate care line, and PetHelpFone.

You can get most of their coverage benefits starting from $8.95 per month. In addition, do not forget to view more details about Pets Plus Us and its services right here.


Average Customer Rating

3.9 out of 5

Based on 11 customer ratings
5 stars
4 stars
3 stars
2 stars
1 star

Pets Plus Us Pet Insurance Reviews


2 out of 5

Manuel Estrada, Arizona

June 22, 2020
When I signed up with Pets Plus Us I thought they cared about my dog's health. I recently took my dog to the vet because he had a urinary infection. I told the vet that my dog could have eaten a leaf in my front yard and that could be the cause of the problem. After the inspection, the vet said that it was probably the leaf that was causing all of the trouble. However, when I called PPU they told me that my dog was diagnosed with a congestive issue which is a pre-existing condition. This is absolutely not true because he has never been diagnosed with anything like that and even if he was, I would have taken him for treatment.
Helpful 1 people found this review helpful
5 out of 5

Leslie Raser, Montana

May 20, 2020
Whenever you sign up for coverage with an insurance company, you have to be prepared for the ups and downs that come with it. I am happy to say that they treat me with respect and always happy to talk to me if I have a question. The only downside is that the premium keeps going up every time I renew, but I guess that this is something that comes with the territory. If you want great service, you have to be prepared to pay for it. In general, I am happy with Pets+ and I would recommend them to other pet owners out there.
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2 out of 5

Christi Valencia, NM

April 24, 2020
The biggest thing that I was looking for from an insurance company was the dental coverage they offer. I had a certain breed of dogs my whole life and the only problems that we had were dental ones. Anyway, I called their customer service and first wanted to buy the plan that costs $40 a month, but the agent told me that it would be better to go with the one that costs $70 since this is what she uses for her dog. Anyway, this was very misleading and it turns out that the policy does not cover the dental procedures I need. I really feel tricked. I have now spent more than $1000 and I wish I chose a different company back when I was researching.
Helpful 1 people found this review helpful
5 out of 5

Henry Zipperman, New York

April 6, 2020
I am happy to say that my cat is currently healthy, but that’s only because I have insurance from Pets Plus Us. Without them, I don't think I would have been able to pay for all of the medical costs. I love my cat very, so I would do anything to keep her healthy so I would have figured something out, but Pets Plus Us made my life so much easier. When I called in for help they were very helpful and pleasant to talk to. I only hope that this will continue because I definitely plan to renew my policy in a couple of months.
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5 out of 5

Paulina Brooks, New York

December 11, 2019
This is the first time I used pet insurance for my cat. And I can say I was pleasantly surprised by the rep I talked to. Helpful and caring! I trust the services at Pets+, and I really hope they will keep on doing a great job. Thank you!
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5 out of 5

John Chapman, Nebraska

October 23, 2019
Overall, I am satisfied with the insurance I have for my pet. And this is because I know there are ups and downs with any pet insurance company. What I like most about Pets+ is that their customer service listens to your issues and responds accordingly. The only thing I wasn’t pleased about was my premium going up each time I moved from one city to another. Well, my job requires it and it seems quite unfair to pay extra because of it. Anyway, Pets+ is ok and reliable. It is a great solution for those that want to have access to the best care for their pets.
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4 out of 5

Christiana Welch, Hawaii

October 7, 2019
I was never a fan of insurance companies, no matter if they were human plans or pet plans. But at some point, after I got my dog, I decided I needed coverage. So, I got insurance from 24petinsurance; I wasn’t so pleased with the service and decided to switch to Costco. After some tedious initial check-ups and tests, my pup got accepted into the Pets+ plan. Still, my beloved friend fell extremely ill, which led to several expenses. At first, I was quite displeased with how things were done inside Pets+, and I was so frustrated that I blamed them for everything. Anyway, my dog was diagnosed with cancer, which in turn made the vet prompt us to consider surgery. And, of course, it was an expensive surgery I couldn’t afford. The claim I submitted with Pets+ was delayed, additional info was required, and I felt hopeless. And to tell you the truth, I wasn’t sure why we needed so much money or how my dog would get treated. After Pets+ verified my latest claim wasn’t a fraud and asked additional information from my vet about the incoming surgery, everything went smoothly. They paid almost 90% of the costs, which saved me a lot of trouble. And I wanted to apologize for my initial rage. This dog meant a lot to my family and was with us for quite some time. I believe that in that moment of distress, I wasn’t willing to accept - or try to understand - how insurance policies work. In the end, I had a good experience with this company, and their staff was more than sincere with me. And when my poor dog needed to be put down to stop his pain, Pets+ paid for the euthanasia, too. Thank you all for your understanding and patience. I will always recommend Pets+ as the best pet insurer!
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2 out of 5

Katherine, DE

August 19, 2019
I was amazed at how unprofessional this company is. I constantly wonder how it is possible to tell a client that you admit you mistakenly set up a withdrawal date, but you can’t do anything about it. And to add casually that the client must pay for two months instead of one! I mean, my withdrawal date is three days before the date it was intended to be. And on top of that, they don’t want to fix this even though I suggested I wanted to insure my other pets. As such, I insured my other babies with another provider. And my awful experience goes even further. The claim was tedious to submit, the processing timeframe was embedded with a lot of hassle and only a couple of my requests were reimbursed quickly. It is frustrating, and it gives me a lot of headaches. Currently, I am trying to figure out how to move my pet another provider. I would rather have all my pets insured in one place, with a reliable company, rather than continue this thing here.
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4 out of 5

Ronald, Illinois

August 4, 2019
I won’t give ten stars, but at the same time, I won’t be dishonest with you and say this was a dreadful service. Pets+ is ok, but it needs small improvements to become a leader in this market. Anyway, besides a little hassle with my claim, I’m happy my cat is covered by Pets+. The best part about this policy is that the deductible needs to be paid only if you use the insurance. So, it is a relief to know that your rates don’t go up insanely, like with other providers.
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4 out of 5

Kory Wood, California

February 17, 2018
When my dog started to get ill, I was concerned that Pets+ Us wouldn’t accept all my reimbursement requests. Everything began when my dog started having some trouble walking. Initially, my vet believed that my pup just got off on the wrong foot, and his muscle was aching. But after a couple of days, I rushed my dog back to the vet’s office, as he had trouble getting up. That was the moment when my vet requested additional tests, including an MRI, which revealed my dog had hip displacement. This resulted in expensive surgery and post-op treatment I honestly couldn’t afford. But Pets+ Us was there for me and reimbursed everything. And the rep I talked to was extremely friendly, which eased my anxiety about the claim process. Anyway, there is room for small improvements, and I would like to have access in the future to online services. That’s what Pets+ Best can improve to make their services even more professional. It is quite hard to keep track of all those emails you receive with a claim submittal.
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5 out of 5

E.Henderson, Iowa

January 25, 2018
When I adopted my dog from the local shelter, he had a six-week insurance health plan with Pets+. And it was the best thing that ever happened to us! After a month, my dog was involved in a car accident, and I needed assistance with his veterinary bills. I was pleased when I discovered how fast the claim was processed and reimbursed.
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Pets Plus Us Pet Insurance Company Information

Year Founded:    2012
Address:              710 Dorval Dr Suite 400
Phone:                 +1 800-364-8422
ZIP Code:            ON L6K 3Y1
City:                     Oakville
Country:             Canada
Price Range:      from $25 per month

Pets Plus Us is one of the leading pet insurance providers in Canada, offering coverage plans for accidents, accidents and illness, and wellness for your dogs and cats. With insurance sales and service plans designed by veterinarians and pet owners, each plan offers extras like access to PetHelpFone, Pet Poison Helpline, and more. Comprehensive coverage is available from your preferred Canadian veterinarian, plus emergency and specialty care, and even coverage for vet care while you and your pet are traveling in the U.S.

Premium, Deductible, and Plan Limit Options

Premium Can Be Paid

  • Monthly

Deductible Options

For Accident Insurance:

  • $100

For Accident & Illness, there are 3 tiers of aged-based deductibles. For dogs:

  • 0–5 years old, your choice of $100, $200, $300
  • 5–10 years old, your choice of $300, $400, $500
  • 10+ years old, your choice of $500, $600, $700

Accident & Illness deductible options for cats:

  • 0–5 years old, your choice of $100, $200, $300
  • 5–10 years old, your choice of $200, $300, $400
  • 10+ years old, your choice of $300, $400, $500

Policy Limits

  • $5,000 annual limit for Accident coverage plans
  • $7,500 or $15,000 choice of annual limit for Accident & Illness coverage plans

Coinsurance / Reimbursement Percentages

With Accident Insurance:

  • 20% coinsurance / 80% reimbursement

With Accident & Illness, your choice of:

  • 10% coinsurance / 90% reimbursement
  • 20% coinsurance / 80% reimbursement
  • 30% coinsurance / 70% reimbursement

Pets Plus Us Claim Process

After your coinsurance and annual deductible are met, Pets Plus Us reimburses you for a percentage of the covered cost of your pet's care and treatment. Have your vet fill out and sign the appropriate Reimbursement Request form, then submit it with a copy of your paid invoice. You can be reimbursed by check or direct deposit.

Type of Coverage Model

  • Reimbursement
  • Pay Directly to your vet (by special arrangement for expensive procedures)

Submit a Claim Through

  • Email
  • Postal mail
  • Fax

Claim Processing

  • Claims must be submitted within 6 months of treatment

Memberships, Partnerships, Ratings, and Licenses

  1. Memberships

  • Member of NAPHIA, the North American Pet Health Insurance Association
  1. Partnerships

  • Corporate Partner of OVMA, the Ontario Veterinary Medical Association
  • Partner of the Canadian Kennel Club
  • Partner of PetLynx
  • Partner of PetHub
  1. Ratings

  • Rated Excellent by Consumers Advocate
  • Average customer rating of 8.4 out of 10 on Pet Insurance Review
  1. Licenses

  • Canadian company with a head office, call center, and licensed agents in Canada


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PetsPlus Pet Insurance Cost

PetsPlus Dog Insurance Cost

Age (Years) Prices
Accident $23
Accident & Illness $90

PetsPlus Cat Insurance Cost

Age (Years) Prices
Accident $20
Accident & Illness $51

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Company Policies


  • Available for dogs and cats
  • At least 7 weeks old
  • Vet exam required for senior pets over age 8 (over age 6 for giant breeds)
  • 24/7 online quote and enrollment access

Modification and Cancellation

  • Plans can be upgraded or downgraded mid-policy
  • Plans can be cancelled with 30 days notice in writing
  • Refund available if cancelled within first 30 days of enrollment or renewal

Waiting Periods

  • 2 days for accidents
  • 14 days for illnesses
  • 2 days for additional benefits


  • Pre-existing conditions
  • Breeding costs (except as part of Flex Care or Wellness Care)
  • Wellness and routine care (except as part of Flex Care or Wellness Care)
  • Dental (except as part of Flex Care or Wellness Care)
  • Certain other conditions, including Congestive Heart Failure, Feline Leukemia Virus, Feline Infectious Peritonitis, Advanced Kidney Failure, and Systemic Autoimmune Disease (Lupus)

Breed-Specific Exclusions

  • None

Hereditary and Congenital Conditions Coverage

  • Covered under Accident & Illness plan
  • Pre-existing conditions excluded
  • Coverage subject to deductible and coinsurance

Wellness Coverage

  • Available as add-on coverage with Flex Care or standalone with Wellness Care
  • No waiting periods
  • Not subject to deductible or coinsurance
  • Requires a one-year contract

Exam Fee Coverage

  • Included with coverage

Dental Coverage

  • Tooth extractions covered by Accident & Illness plan
  • Teeth cleaning available with Flex Care or Wellness Care

Spaying and Neutering Coverage

  • Available with Flex Care or Wellness Care

Alternative, Holistic, and Behavioral Coverage

Covered care includes:

  • Acupuncture
  • Behavioral therapies
  • Chiropractic services
  • Hydrotherapy
  • Massage therapy
  • Naturopathy
  • Physiotherapy

Treatment Access

  • Primary care veterinarian of your choice
  • Emergency hospitals
  • Specialty clinics
  • No veterinary network limits
  • International veterinary treatment (when travelling with your pet in the U.S.)
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Pets Plus Us Available Coverage

Pets Plus Us Pet Insurance offers accident-only coverage, comprehensive accident and illness coverage, plus add-on and standalone wellness care. Plans also include exclusive Blue Ribbon benefits. Here are your options:

  1. Accident & Illness

The Pets Plus Us Accident & Illness coverage is designed to give you total peace of mind when it comes to your pet. The plan includes your choice of three levels of coinsurance and annual deductible options and covers many conditions and treatments, with no breed restrictions, even when traveling to the U.S. with your pet. Pets Plus Us offers “underwriting upfront” to inform you at enrollment of any pre-existing conditions that will be excluded from policy coverage and the 4Life Guarantee promises a lifetime automatic renewal of coverage.

Coverage and Treatment Includes

  • Accidents and injuries
  • Alternative therapies
  • Behavioral therapies
  • Diagnostics
  • Hereditary conditions
  • Hospitalization
  • Illnesses
  • Medical devices
  • Prescription diet foods (up to 2 months’ supply)
  • Surgery
  • Tooth extraction
  • Veterinary services

Additional Benefits Include

  • Boarding fees (if you are hospitalized)
  • Holiday trip cancellation (due to a pet emergency)
  • Lost pet advertising and reward
  • Euthanasia and cremation or burial costs
  • A memorial donation to a pet charity in honor of your pet

Blue Ribbon Benefits Include

  • PetHelpFone (24/7 emergency service)
  • Compassionate Care Line (in-house counseling)
  • Pet Poison Helpline (24/7 animal poison control service)
  • Pet Concierge (for pet-related products and services)
  • Emergency Medical Coverage (for a life-threatening injury while lost)
  • Paid magazine subscription to Modern Dog or Modern Cat
  1. Accident-Only Coverage

The Pets Plus Us Accident plan can help you cover the costs if your dog or cat has an accident, so you can focus on care without worrying about bills. It covers veterinary, emergency, and specialist care, plus the same Additional Benefits and Blue Ribbon Benefits as the Accident & Illness plan.

Coverage and Treatment Includes

  • Anaesthesia
  • Consultations
  • Drugs
  • Emergency care
  • Exams
  • Hospitalization
  • Specialist referrals
  • Surgery
  1. Add-On Coverage

With the Accident & Illness plan, you have the option to add on the Pets Plus Us Flex Care Policy coverage, which can help spread the cost of your dog or cat’s routine and seasonal care across 12 months in preset amounts. This plan includes wellness care plus other benefits.

Flex Care Coverage Includes

  • Dental treatments
  • Annual exam and vaccinations
  • Treatment for a condition excluded from your Accident & Illness policy
  • Anal gland expression done at a veterinary practice
  • Blood profile including collection
  • Flea and tick prevention
  • Nail trimming

Flex Care Options Include

  • Must be added with Accident & Illness coverage enrollment
  • Your choice of coverage from $250 up to $1,250 annually in $100 increments
  • The monthly payment is your selected dollar amount spread over 12 equal payments
  • Requires a $25 non-refundable administration fee each year
  • Requires a one-year contract which can be canceled only at your policy anniversary
  1. Wellness Coverage

Pets Plus Us also offers a standalone Wellness Care plan. This coverage pays 100% of scheduled amounts and veterinary benefits according to your pet’s age. Like the Flex Care Policy, Wellness care is a one-year contract.

Puppy and Kitten Wellness (age 7 wks to 1 yr) Includes

  • 3 visits (at 2, 3, and 4 months of age) for exam and core vaccinations
  • Deworming
  • Fecal exam (2x)
  • Spaying or neutering
  • Microchip
  • Heartworm testing and/or medication (puppies only)
  • Flea treatment/prevention

Adult Dog and Cat Wellness (age 1–7 yrs) Includes

  • Annual exam and vaccinations
  • Annual wellness profile
  • Heartworm testing and/or medication (dogs only)
  • Flea prevention
  • Fecal exam
  • Urinalysis including collection fee
  • Mature female spaying/male neutering
  • Nail trim
  • Dental care

Senior Dog and Cat Wellness (age 8+ yrs) Includes

  • Annual exam and vaccinations
  • Six-month exam
  • Annual wellness profile
  • Heartworm testing and/or medication (dogs only)
  • Flea prevention
  • Fecal exam
  • Urinalysis including collection fee
  • Nail trim
  • Dental care


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