Pets Plus Us Canada Pet Insurance Review

Pets Plus Us is a fairly new pet insurance company that provides pet insurance services in Canada. It offers three major types of pet insurance policies, Accident, Accident and Illness, and Wellness Care. Policies are also offered separately for cats and dogs with three distinct deductible and co-pay options for each.

Plan Details

Cancellation policy

Cancellation takes effect on the next month’s payment due date following the date the cancellation request was received. A refund of the premium paid will be given when a request for cancellation is made 30 days from the date of a completed application.

How much is it going to cost you?

Co-pay and co-insurance

Your share 10%, 20%, 30% (Accident and illness plans)

Your share 20% (Accident plan)

Deductibles

Accident Plan

$100 annual deductible

Accident and Illness Plans

You choose from three options. Deductible increases are based on the policy anniversary date and not your pet’s birthday

Dogs

Cats

Reimbursement policy

Not later than 6 months from treatment date or within 60 days of the date when your policy terminates.

What does it cover?

Accident and Illness Plans

• Hospitalization
• Surgery
• Hereditary conditions
• Diagnosis
• Prescriptions and medications
• Behavioral therapy
• Veterinary services
• Prescription diet foods 
• Prescription diet foods (up to 2 months per policy year, limit of $50/cat, $200/dog)
• Medical devices (up to $1000)

Alternative therapies covered:

• Acupuncture
• Chiropractic services
• Hydrotherapy
• Massage therapy
• Physiotherapy

*** Co-pay and deductibles applies

*** Alternative therapy treatments covered if provided by a licensed veterinarian and related to an eligible accident or illness

Wellness Care

Pets Plus Us offers Wellness Care as a stand-alone plan. With it, you pay your monthly fee and schedule veterinary appointments according to your pet's age and selected Wellness Care benefits. You are then reimbursed for 100% of the pre-selected services.

Puppy/ kitten 7 weeks - under 1 year

• Fecal test
• De-worming
• Spaying or neutering
• Microchip
• Three visits (2, 3, and 4 months of age) for physical exam and core vaccinations.
• Blood profile
• Flea treatment and prevention
• Heartworm testing
• Heartworm prevention

Dog/ cat 1 year - under 8 years

• Exam and vaccinations
• Blood profile
• Fecal test
• De-worming
• Urinalysis
• Dental care
• Nail trim
• Flea treatment and prevention
• Heartworm testing
• Heartworm prevention (dogs only)

Pets ages 8 years and over

• Exam and vaccinations (1 exam/ policy period)
• 6 month follow up exam (1/ policy period)
• Blood profile
• Fecal test
• De-worming
• Urinalysis
• Nail trim
• Dental care
• Heartworm testing
• Heartworm prevention (dogs only)
• Flea treatment and prevention

Additional benefits

• Boarding kennel or cattery fees—up to $1,000 per incident if you’re hospitalized and can’t care for your pet
• Cremation and/or burial if related to a covered condition—up to $1,000 if your pet passes away
• Holiday trip cancellation—up to $1,000 per incident (If your pet has a medical emergency)
• Lost pet advertising and reward—up to $1,000 per incident (if your pet goes missing)
• $50  tribute donation to a pet charity in honor of your pet (if your pet passes away)

*** No deductible or co-pay applies to any of these Additional Benefits.

What’s not covered?

Accident and Illness Plans

• Pre-existing conditions
• Any reproductive system expenses (spaying, neutering)
• Vaccinations and routine procedures
• Elective procedures
• General policy exclusions

Free Blue Ribbon Benefits

When you purchase a Pets Plus Us policy, you become a Blue Ribbon Benefits member. Blue Ribbon Benefits include:

• Free access to the Pet Poison Helpline, our PetHelpFone^TM and Compassionate Care Line
• Up to $1,000 in Emergency Medical Coverage if your pet incurs a life-threatening injury while lost.
• A subscription to Modern Cat or Modern Dog magazine.

Please note Blue Ribbon Benefits and FLEX Care are not offered in Quebec, and related documentation is published in English only.

Summary

Pets Plus Us is a good pick for pet insurance as the company does not discriminate based on age or increase premiums based on claim history. However, annual deductibles do increase every five years but will never go up more than $100 at a time. It's also worth pointing out that Pets Plus Us' deductible only has to be fulfilled annually and not on per condition/incident basis. The company will also cover alternative treatments so long as they are administered by a licensed veterinarian.