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Pets Plus Us Pet Insurance Review

Our team researched Pets Plus Us’ Pet insurance coverage, cost, and customer satisfaction scores.

Our grade: B+

pets plus us pet insurance logo

Pets Plus Us is one of the top Canadian pet insurance companies with well-rounded comprehensive pet insurance coverage.

Not only do they offer pet insurance, but Pest Plus Us goes one step further and adds a Blue Ribbon Benefits program at no additional cost.

The Blue Ribbon Benefits program offers access to a pet hotline and 24/7 pet help as well as subscriptions to Modern Dog and Modern Cat Magazine.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Pets Plus Us Pet Insurance Review: Top Highlights

  • A wide range of deductible choices
  • A $1,000 stipend towards emergency care if your pet gets lost
  • Enrollment starts at 7 weeks old
  • Wellness coverage option that can also be a stand-alone policy
  • Blue Ribbon Benefits Program

Pets Plus Us Pet Insurance Coverage

Pets Plus Us pet insurance offers two types of coverage:

Related: 10 Things You Must Know Before You Buy Pet Insurance

Pet Plus Us Accident & Illness Coverage

  • All Accident & Illness
  • Hospitalization
  • Surgery
  • Hereditary conditions
  • Diagnostic exams
  • Prescription medications
  • Alternative therapy
  • Behavioral therapy
  • Medical devices (up to $1,000)

With this coverage, you also get a $1000 per-incident benefit for holiday trip cancellation, lost pet, cremation services and/or boarding of your pet if you are hospitalized or in an accident.

And, no deductible or co-pay applies!

Pets Plus Us Accident Coverage

Pets Plus Us will offer accident-only insurance which covers treatment for any accident-related injury.

However, with this plan the benefit limit is only $5,000.

With this plan, you also get the same $1000 per-incident coverage for a lost pet, boarding coverage.

Real Cost Savings from Healthy Paws Clients


Healthy Paws saved his parents


The playful pup Samson tore his ACL in a lively game of fetch. After surgery and rehabilitation, Samson is back to being active and never turns down a game of fetch!

Blue Benefits Membership Program

Both plans offer their Blue Benefits Membership program which is a really nice perk and includes the following:

  • Their PetHelpFone- with 24/7 line to help answer your questions about your pet
  • A Compassionate Care Line to help you with bereavement or any other questions
  • Pet Poison Helpline® – a 24/7 pet poison hotline to call if you think your dog or cat ate something toxic.
  • Pet Concierge – Help to find pet-related services, pet businesses, and pet products.
  • Emergency Medical Coverage – If your pet gets hurt while lost you get up to $1000 of medical coverage.
  • A free subscription to Modern Cat or Modern Dog Magazine.

Wellness Care Option Plan

Pets Plus Us offers a wellness or routine preventative option that can be added on to either coverage plan or even a stand-alone wellness plan.

The wellness care offers routine procedures such as spaying and neutering, routine office vet visits, nail cutting, dental care and more. You pick the procedure or services you want to be covered for the year and Pets Plus us will reimburse you up 100% up to the maximum benefit offered.

The price is determined on how many services you choose. Just like any pet insurance, it is a one year plan.

Pets Plus Us Hereditary and Congenital Conditions

Pets Plus Us will cover all hereditary and congenital conditions in their accident and illness coverage as long as they are not pre-existing.

Pets Plus Us Alternative and Behavioral Therapy

pets plus us pet insurance reviews

Pets Plus Us offers alternative and behavioral therapy under their accident and illness coverage.

This coverage is a nice addition and can be great for pets that need either alternative therapy or help with some type of behavioral issue.

Some of the alternative therapy options are hydrotherapy, acupuncture, massage therapy and physiotherapy.

Chronic Conditions

Chronic conditions are also covered under their more expansive coverage plan.

Benefit Limits of Pets Plus Us

Pets Plus Us breaks up their benefit limits according to the plan you choose.

With their Accident and Illness plan, you have a benefit limit choice of either $7,500 or $15,000. While this is a generous amount, they don’t offer an unlimited benefit option which is always the preferred choice.

Medical expenses can easily top $15,000 if your pet has a very serious disease or injury.

With their Accident plan, you have one benefit limit choice of $5,000.

Reimbursement Method from Pets Plus Us

With Pets Plus Us Accident & Illness plan, you have three choices of reimbursement levels:

  • 70%
  • 80%
  • 90%

Their Accident only plan has one reimbursement level of 80%.

You are reimbursed on the actual vet bill and it even includes taxes.

Pets Plus Us Deductible Type

Pes Plus Us Accident & Illness plan has an annual deductible model and the levels offered depends on your dog or cats’ age.

For Dogs:

  • 1 month to 5 years old, you have deductible choices of $100, $200 or $300.
  • 5 to 10 years old, you have deductible choices of $300, $400 or $500.
  • 10 year or older, you have deductible choices of $500, $600 or $700

For Cats:

  • 1 month to 5 years old, you have deductible choices of $100, $200 or $300.
  • 5 to 10 years old, you have deductible choices of $200, $300 or $400.
  • 10 year or older, you have deductible choices of $300, $400 or $500

With their Accident only plan, you have one deductible choice of $100.

Their annual deductible only has to be met once per policy year.  The higher the deductible you choose, the lower your premium.

Real Cost Savings from Healthy Paws Clients


Healthy Paws saved his parents


Artemis had a severe ear infection and needed to visit both the regular vet and a specialist, multiple times. After medication and a few follow-up visits, she recovered well and is now doing great!

What Is The Cost of Pets Plus Us Pet Insurance?

Pets Plus Us prices range greatly depending on your dog or cat’s age, reimbursement, and deductible choices.

The monthly premium can cost anywhere from $20-$90.

Claims Process

You can download their claim from the Pets Plus Us website via their site. Fill out the form and you can email, fax or mail the copy of the paid receipt and the necessary information.

Reimbursement is made more quickly if you use direct deposit.

You can use any veterinarian in the United States or Canada

Pets Plus Us Enrollment and Waiting Periods

Enrollment in Pets Plus Us starts at 7 weeks old and there is no upper age limit restriction.

Accident coverage begins after 48 hours and there is a 14-day waiting period for coverage of accidents and illnesses.

Pets Plus Us Questions and Answers

Is there any exclusion with Pets Plus Us?

Pets Plus Us does not cover pre-existing conditions, any elective cosmetic procedures, house call fees or vaccinations (unless you purchase their wellness plan).

Does Pets Plus Us drop coverage if a pet is too old?

No. Once you are enrolled with Pets Plus Us, they will automatically renew you no matter what your pets’ age is. As long as you keep up with your payments, you have what they call their 4LifeGuarantee.

Does Pets Plus Us offer any discounts?

You can get a discount if you enroll more than one pet.

Does Pets Plus Us have an upper age limit?

No. Pets Plus Us has no age limits on dogs and cats and enrollment for your pets can start at 7 weeks old.

Summing Up Pets Plus Us

Pets Plus Us offers some great perks with their Blue Ribbon Membership program and many choices of coverage.

We prefer plans with unlimited benefits and not a specific amount allotted with the maximum being $15,000.

That being said, you can go their site, Pets Plus Us, and decide if you think their coverage is right for you.  Or give them a call at 1-866-397-7417.

If you’d like to keep looking for coverage, check out some of our popular reviews, like Embrace.


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