Pets Plus Us Canada Pet Insurance Review

#3 in Pet Insurance in Canada

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

Waiting period

Accident 48 hrs, Illness 14 days, Additional benefits 48 hrs

Out of country coverage

Yes, when traveling within the United States with your pet.

Age limit

No, however dogs 8 years and older (6 years or older for giant dog breeds), and cats 8 years and up must have had a physical exam, blood profile and urinalysis within the past two months.

Annual deductible

Age-based, annual deductible

Claim limit

Up to $7,500 or $15,000  (Accident and Illness Plans)

$5,000 (Accident plan)

 

 

 

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 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

Pet’s Age

Option A

Option B

Option C

Under 5 years

$100

$200

$300

5 to 10 years

$300

$400

$500

Over 10 years

$500

$600

$700

 

Cats

Pet’s Age

Option A

Option B

Option C

Under 5 years

$100

$200

$300

5 to 10 years

$200

$300

$400

Over 10 years

$300

$400

$500

 

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

Medical devices (up to $1000)

Prescription diet foods (up to 2 months per policy year, limit of $50/cat, $200/dog)

Alternative therapy

  • 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. In 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
  • Non-essential services and supplies
  • Any reproductive system expenses (spaying, neutering)
  • Vaccinations and routine procedures
  • Elective procedures
  • House call fees

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 it to point out Pets Plus Us' deductible only has to be fulfilled annually and not on per condition/incident basis. More treatment options are available like alternative as long as these are administered by a veterinarian. 

Latest Reviews

Start your review for Pets Plus Us Canada Pet Insurance
J
Jolene J
Chilliwack, British Columbia
Pets Plus Us Canada Pet Insurance review
9/3/2016
Pets Plus Us had been fantastic so far. My dog had a $5500 knee surgery at the specialist and the problem arose a few weeks after signing up, they are covering 90% of the surgery as that's the plan I signed up for. They also cover 90% of the physiotherapy and rehabilitation she will be needing. They never increase my monthly rates and won't increase my deductible until she is 5 years of age. So far absolutely recommend the company.