Covers Up to 90% Unexpected Vet Bills
🔥 Click Here for a Fast and Easy Online Quote
- Rated 'Excellent' on Trustpilot with a 4.5 out of 5-star rating.
- $1000 in online vet visits included at no extra cost
- The most comprehensive pet insurance coverage in the industry.
- Dental coverage for all of your dog's teeth, not just canines
- Works with any licensed vet in Canada or the U.S.
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Pets Plus Us is a pet insurance provider offering coverage for Canadian pets. The company permits pet owners to purchase insurance against accidents only, accidents and illnesses, and routine veterinary care. You can choose your own co-pay with Pet Plus Us covering either 70%, 80%, or 90% of eligible claims. The insurer is located in Oakville, Ontario.
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 complete Senior Requirement testing. |
|
Annual deductible |
Age-based, annual deductible |
|
Claim limit |
$5,000 Accidents Only Accident and Illness Plans $7,500 or $15,000 |
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
|
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
- 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 PetHelpFoneTM 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.
Covers Up to 90% Unexpected Vet Bills
🔥 Click Here for a Fast and Easy Online Quote
- Rated 'Excellent' on Trustpilot with a 4.5 out of 5-star rating.
- $1000 in online vet visits included at no extra cost
- The most comprehensive pet insurance coverage in the industry.
- Dental coverage for all of your dog's teeth, not just canines
- Works with any licensed vet in Canada or the U.S.
Latest Pets Plus Us Reviews
I'd like to share my very disappointing experience with Pets plus us! I am a new client with 2 pups that are healthy. I happened to take my youngest pup to the vet as he was more stubborn to potty training and thought perhaps he might have a bladder infection that might be contributing to his pee accidents. So after the vet examination, extraction of urine as he was so tiny, 5 lbs.,there was nothing wrong with him outside of being a stubborn , tiny chihuahua mix and would take more time being house trained! The vet said there was no urinary infection or anything wrong with him. But apparently simple because I was a concerned , proactive pet owner, and despite the fact that there... Read More
I gotta say, I have NOT been impressed with their customer service. It took them WEEKS to process my initial request for coverage, and every single time that I correspond with them it takes them upwards of 3 emails and up to a week for anyone to get back to me, with no apologies offered for the delay in responding.
The straw that broke the camels back was that they refused to honour their obligation to refund my annual vet check-up because I happened to go to the vet one week earlier than the previous year (to be exact, 5 days). So they claimed I maxed out my vet claim for the year. Yeah that's as absurd as it sounds.
Absolutely the worst experience with this company. Stay away, they will keep you in the dark about "exclusions" on your pet's policy and then, after years of collecting premiums without so much as a hiccup, will deny coverage based on "pre-existing conditions" that you were never made aware of... Alas, their slogans are a big lie... I will be canceling the policy asap. Instead of wasting the money on their premiums I should have saved it up instead.
Worst decision ever to trust this company as my beloved's insurance. They've made every possible certainty that when/if our animal is ever in trouble, we'll not have any financial help from them.
I did a lot of research before selecting Pets Plus Us. Unfortunately, it was a bad choice. In the first ten months of coverage, we spent $1200 on vet visits for our new great dane pup. (Excluding heartworm, tick, etc) She developed a few different body infections that had her vomiting or hives or lethargic. To add to our $1200, we chose the Pets Plus Us 20/80 with $200 deductible coverage with a monthly cost of $81. So, our total was $2000 for 10 months. Upon submission of our bills, we received a huge $50 reimbursement for our vet visits and meds. Why????? Our pup showed a slight ear infection or "otitis externa" in one ear on her first check-up. This became an exclusion for coverage.... Read More
I received an email from pets plus us offering the first month free, so I signed up online entered the code from the email, then heard nothing from them till two weeks later when I received an email stating my payment was declined, so I emailed them back telling them how I only signed up because they offered a free month so what am I being charged for? they said the promo code I used was only valid if I phoned in to set up a policy! wow nothing in the email said anything about only being valid over the phone! then they wanted me to call them with my banking details? nope sorry that's not going to happen! So this whole experience has let me wondering how easy it would be if I had to make a... Read More
Absolutely the WORST customer service I have ever encountered. Paid reliably and when I finally have a claim, this company falls short and keeps denying my claim under the presumption 2 different Veterinarians lied on my dogs medical records when stating my dog was 100% healthy before my contract was instated. COMPLETE AND UTTER SCAM!!! I have been fighting with this company for almost 2 months now to get my money that is rightfully owed to me. Complete joke!! Save your money and find a different company.
They were not there when we needed them. I trusted them but it seems like they have not much common sense. I am very disappointed about Pets Plus Us.
We were switched to Pets Plus Us when PC Financial stopped offering pet insurance. Overall, the switch has been a downgrade. I will say there is usually little to no wait time when you call, and the telephone operators are extremely pleasant and helpful. However, there is no online portal, which seems extremely dated in this day and age and because of this, you have to call more frequently to follow up on claims or obtain information that would usually be readily available online. Most importantly, their processing time is extremely slow; expect to wait upwards of two months for your claim to be processed and your reimbursement received. A disappointing replacement from PC who was fast and... Read More
Terrible representation... As a customer, we have our part in responsibility, but when you receive calls with missing information and are surprised by money taken out, clear and effective communication is key. In my case, the customer representative told me they sent me documents when they clearly did not. With that being said, the amount and coverage should be clear. I have never had previous issues, but ever since being covered for a second dog, I have only had issues with communication. This shows they do not respect their customers and are only looking out to get money. It’s too bad, because had they communicated, I would stick to this insurance as it has great benefits for my dog. I... Read More
We tried to insure our 14 week old pure bread puppy with this company and thought they would be a good choice now that Costco has picked them up. What a mistake! They wrote an exclusion into our plan for limping or anything to do with the legs. We went through our vet and questioned it and they wrote a letter to the insurance company. Upon the insurance company getting the letter they removed the one exclusion and replaced it with another. There is nothing wrong with our dog, she is completely healthy as stated by the vet. This company will write exclusions into their contracts so they don’t have to pay. Beware—read the fine print and avoid Pets Plus Us
The sales agent sounded very nice, telling me they would take care of almost everything ever needed to look after my dog even food. well after having several visits to the vet with my dog I put in my claims and out of about $1700 they paid out $48.
After telling them to cancel my policy the went ahead and took the next months payment.
Oh yes and i chose the best most expensive plan for my dog.
I have been with Pets plus for almost 5 years. I just added a puppy last spring. When I did, I looked to save some money and talked with an agent and lowered my older dog to an accident only plan for $20 a month. I then heard some stories from friends and called back to increase my plan again. They said, since I lowered my plan I will now be treated like a new customer, and all previous issues will be exempt. They never said this when I lowered. I am cancelling and telling everyone I know to never use this company!
My premium was increased by 35% to $102 after paying into my policy for over 5 years at just over $60. Was sent an email giving me 30 days notice of the increase. Can't go to another company because my dogs pre-existing conditions would not be covered. Backed into a corner with no choice but to pay the increase. When is the next one? No respect for the policy holder, could have implemented a gradual increase and could have given more notice. I would not trust this company nor will I recommend them or open any future policies with them.
I got screwed over by this insurance company. My dog had Entropion surgery. Because he had a "pre-existing" condition for conjunctivitis, his claim for surgery was denied. His Entropion was cause by the lower lid rolling into the eye, and the lid hair scratching the cornea creating an eye ulcer. This was not caused by caused by conjunctivitis. Entropion is a common condition for wrinkle-faced dogs. So let me provide a history of customer service with this company... Once I knew my dog required surgery, time was of the essence....I reached out to this company for a pre-approval before deciding on which procedure to arrange. I told Pets Plus Us that I needed this information as soon... Read More
Wish I had read all the negative comments before I signed up for this insurance. When I thought the plan was canceled they kept billing me premiums and then sent me to a collections agency. A phone call would have been nice. Then I asked if I could make a claim since I am paying the premiums aparently owed. But they said no. So I basically paid them for 2 years of premiums with zero claims. They were not willing to negotiate. This business is about getting your money not caring for your sick pet. BUYER BEWARE do not use this insurance!!!
Think your pet is covered for legitimate illness? Think again! My dog had e-coli infection and then a stomach condition called ileus. We have almost $7000 in vet bills and have paid Pets Plus Us our $100/month premium since we got our dog. They have found a sleazy little loophole in order not to cover our claim. Small Claims Court it is!
If you don’t mind waiting a long time for repayment they are less expensive. I sent a prescription invoice on Feb. 4, 2019 and I still have not received a cheque? It’s March 19th. My other pets are with Trupanion. I always have cheque within 2 weeks.
They also said I could appeal a decision 1 year later they made on my dog based on some erroneous reports before I adopted him. I waited two years, sent my appeal and again heard nothing back.
My rates go up annually even though they said they would not.
I thought I would try another company because I wa with Trupanion for many years and did not like their changes in their policies but they are considerably better than Pets plus Us.
My dog passed away & before they would process the last claim for her cremation they insisted that my vet send all her medical record before they would process the claim. They treated me so poorly at a time when I was already stressed. Shame on you - you are the worst company.
This company is a sham. They place exclusions on your policy for making a 'proactive' visit to the vets office for any 'minor' occurence. They have terrible customer service. I was denied for any coverage on anything I claimed, their excuse was that it was "routine" vet care and not considered an 'ailment' - When I starting asking to see my record of "claims" - none of which were ever "paid out" - they refused to provide those "claims" - instead making veiled threats that if I wanted to change insurance companies, these claims would be viewed by other pet insurers and considered "pre-existing " conditions. Stay away from this company.
*** REVISED *** After getting off to a bumpy start - which turned out to be due to some miscommunication by my veterinarians office and not the fault of Pets Plus Us - I was put in touch with an Advocate Pack Leader... She explained exactly why our claim was initially denied, outlined how we could appeal the decision, forwarded my appeal to a claims manager, and our claim was reassessed as payable. This was done quickly too! I submitted the letter from my veterinarian at approximately 5:30 pm and had a reassessment result before noon the next day - less than 24 hours. Now my only regret is how quickly I jumped to a negative review - I should have taken some time to settle down... Read More
Terribly difficult to cancel. Not by phone, they lose your emails. Very disorganized.
Insurance companies are out to get your money and they will do everything possible to not pay out. Put your money away and forget this company. I was told, no I do not need a vet check up every year but when making a claim it was denied for the very reason.
I don't just understand this ..... 26 comments 20 of which are very bad and rated 4 stars out of 5. In short, don't waste time and money with this company. I cancel my policy after 7 months. SHAME
Extremley disappointed in their cavalier attitude. Their phone message says they care… well that is not the experience I have had with them in the first month since taking a policy with them. Perviously I had always used trupanion, but thought I would support the local economy. I took out a policy on my pup. I am aware of the exclusion periods and thats fair, thus when she had a urinary infection within that period I had no concerns that she would not be covered. I am however extremley angry at them that on the visit for the tract infection I brought up to the vet that she had eat a leaf while in the garden and hacked it up but to be on the safe side can you check if there was... Read More