Pets Plus Us Pet Insurance Review

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Apr 8, 2021

Advertiser Disclosure

Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.

And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.

We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

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

Our grade: B+

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.

Table of Contents:

Highlights
Plans
Membership
Wellness Plans
Cost
FAQ

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

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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

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Pets Plus Us Pet Insurance Coverage

Pets Plus Us pet insurance offers two types of coverage:

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 PetFirst Clients

Luna

PetFirst saved his parents

$6,712

A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

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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.

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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 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.

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Chronic Conditions

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

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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:

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 PetFirst Clients

Gidget

PetFirst saved his parents

$2,194

Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

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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.

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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.