Pets Plus Us is one of Canada's established pet insurance providers, offering Accident & Illness coverage, Accident-only plans, and optional Wellness add-ons for dogs and cats across the country. If you've been searching for "Pets Plus Us reviews" or trying to decide whether this Ontario-based insurer is right for your pet, you're in the right place.
In this comprehensive review, we'll examine Pets Plus Us's coverage options, pricing structure, customer reputation, and how it compares to other Canadian pet insurance companies like Trupanion and Fetch. We'll also analyze real customer reviews from Trustpilot and other sources to give you a balanced perspective on what to expect.
Whether you're a new pet owner looking for your first insurance policy or an existing customer considering renewal, this guide will help you make an informed decision about whether Pets Plus Us offers the right coverage for your furry family member.
What we'll cover:
- Detailed breakdown of Accident & Illness and Accident-only coverage
- Real pricing examples for Canadian pet owners
- Analysis of customer reviews and reputation
- Comparison with Trupanion and Fetch
- Who should (and shouldn't) choose Pets Plus Us
Quick Summary: Pets Plus Us at a Glance
| Feature | Details |
|---|---|
| Coverage Options | Accident & Illness ($7,500 or $15,000/year), Accident-only ($5,000/year) |
| Reimbursement | Choose 70%, 80%, or 90% |
| Deductible | Annual, age-based ($100-$700) |
| Waiting Periods | 48 hours (accidents), 14 days (illnesses) |
| Age Limits | 7 weeks minimum, no upper age limit |
| Wellness Coverage | Optional add-on (Routine or Advanced) |
| Underwritten By | Northbridge General Insurance Corporation |
| Distributed By | PTZ Insurance Services Ltd. |
| Headquarters | Oakville, Ontario, Canada |
| Trustpilot Rating | 1.6/5 (186 reviews as of August 2026) |
| Best For | Pet owners wanting flexible reimbursement options and annual deductibles |
About Pets Plus Us
Pets Plus Us provides pet insurance for dogs and cats across Canada through policies underwritten by Northbridge General Insurance Corporation and distributed by PTZ Insurance Services Ltd. The company is headquartered in Oakville, Ontario. (See our complete Pets Plus Us overview for quick reference specs.)
According to the company's official materials, their most popular plan is the Accident & Illness coverage, chosen by seven out of ten members. This flagship product offers flexibility in coverage limits, reimbursement percentages, and deductible amounts, allowing pet owners to customize their policy to fit their budget and needs.
What Makes Pets Plus Us Different?
Flexible Configuration: Unlike some insurers that offer a one-size-fits-all approach, Pets Plus Us allows you to choose:
- Annual limit: $7,500 or $15,000
- Reimbursement percentage: 70%, 80%, or 90%
- Deductible amount: Based on your pet's age (ranges from $100 to $700)
Annual Deductible Structure: One of Pets Plus Us's key differentiators is its annual deductible. Once you've paid your deductible for the year, you don't pay it again—even if you file multiple claims. If you don't make any claims during the year, you don't pay the deductible at all.
No Age Cutoff: Pets Plus Us states they have no upper age limit for enrollment, making it an option for senior pet owners, though pre-existing conditions remain excluded.
Accident & Illness Coverage: Deep Dive
Pets Plus Us describes their Accident & Illness plan as their "most comprehensive" option, and according to their website, it's designed to provide "total peace of mind" for unexpected health challenges.
What's Covered
According to the official Accident & Illness coverage page, eligible coverage includes:
Core Medical Care:
- Illness (the company notes that 80% of vet visits are illness-related)
- Injuries and accidents
- Hospitalization
- Surgery
- Hereditary conditions
- Diagnostics
- Prescription medications
- Alternative therapies
- Behavioural therapies
Additional Benefits ($1,000 per incident each):
- Boarding for your pet if you're hospitalized due to unexpected accident or illness
- Holiday trip cancellation if your pet has a medical emergency
- Lost pet advertising and reward
- Euthanasia, cremation, or burial (plus a $50 tribute donation to a pet charity)
Blue Ribbon Benefits:
- Pet Poison Helpline® (24/7 animal poison control service)
- TELUS Health MyPet app with unlimited vet technician consultations across Canada
Common Claims Covered
Based on Pets Plus Us's official materials, common dog insurance claims they cover include:
- Ear infections
- Bacterial dermatitis
- Allergies (typically skin-related)
- Gastroenteritis (often from dietary indiscretion)
- Lameness
- Lumps and bumps
- Bladder infections
- Orthopedic problems with arthritis
- Eye infections
- Cancer
Coverage Flexibility
How it works:
- Choose your annual limit: $7,500 or $15,000
- Choose your reimbursement rate: 70%, 80%, or 90% of eligible costs (including tax)
- You pay: 10%, 20%, or 30% of costs plus your annual deductible and monthly premium
Age-Based Deductible Options:
| Pet Type | Age | Deductible Options |
|---|---|---|
| Dogs | 0-5 years | $100, $200, $300 |
| Dogs | 5-10 years | $300, $400, $500 |
| Dogs | 10+ years | $500, $600, $700 |
| Cats | 0-5 years | $100, $200, $300 |
| Cats | 5-10 years | $200, $300, $400 |
| Cats | 10+ years | $300, $400, $500 |
Important Note: Your deductible only applies if you make a claim that year. Once you've paid your full deductible, you don't pay it again until the next policy year, even if you file multiple claims.
Accident-Only Coverage: Budget-Friendly Alternative
For pet owners who want protection against unexpected injuries but prefer a lower premium, Pets Plus Us offers an Accident-only plan.
How Accident Coverage Works
According to the official Accident insurance page, this plan provides:
- $5,000 annual coverage for accident-related injuries
- 80% reimbursement of eligible veterinary fees (including tax)
- $100 annual deductible (fixed, not age-based like Accident & Illness)
- 48-hour waiting period for accidents
You pay: The remaining 20% of costs plus your monthly premium and the $100 deductible (only if you make a claim that year).
What the Accident Plan Covers
Eligible accident-related care includes:
- Consultations and exams
- Emergency care
- Hospitalization
- Medications
- Surgery and anesthesia
- Specialist referrals by a licensed veterinarian
Same Additional Benefits: Like the Accident & Illness plan, you still get $1,000 per incident for boarding, trip cancellation, lost pet advertising, and cremation/burial, plus access to Blue Ribbon Benefits.
Accident vs. Accident & Illness: Quick Comparison
| Feature | Accident-Only | Accident & Illness |
|---|---|---|
| Annual Limit | $5,000 | $7,500 or $15,000 |
| Reimbursement | 80% (fixed) | 70%, 80%, or 90% (your choice) |
| Deductible | $100 annual (fixed) | $100-$700 annual (age-based) |
| Illness Coverage | ❌ Not included | ✅ Included |
| Waiting Period | 48 hours (accidents only) | 48h accidents / 14 days illnesses |
| Best For | Young, healthy pets; budget-conscious owners | Comprehensive protection against accidents AND illnesses |
Key Consideration: Pets Plus Us notes that 80% of veterinary visits are illness-related, not accident-related. While the Accident-only plan costs less, it won't cover the majority of common health issues like ear infections, allergies, or cancer.
What's NOT Covered: Important Exclusions
Both Accident and Accident & Illness plans have exclusions you should understand before purchasing.
Across All Plans
According to Pets Plus Us's official coverage materials, the following are NOT covered:
Pre-Existing Conditions:
- Any condition that showed symptoms (even if not formally diagnosed) before coverage became effective
- Conditions that arise during waiting periods (48 hours for accidents, 14 days for illnesses on Accident & Illness plans)
Routine & Preventive Care:
- Dental care (unless caused by a covered accident)
- Wellness exams, vaccinations
- Flea/tick prevention
- Spay/neuter procedures
- These require separate optional Wellness coverage
Other Standard Exclusions:
- Reproductive health and breeding-related expenses
- Elective and cosmetic procedures
- Experimental or innovative treatments
- Anything not medically necessary
Accident-Only Plan Additional Exclusions
The Accident-only plan specifically excludes:
- All illnesses (ear infections, cancer, allergies, etc.)
- Anything not caused by an accident
- Routine preventive care
Important Note: Pets Plus Us states "We're not fans of fine print" and directs customers to review their User Guides for complete exclusion details. Always read the actual policy documents before purchasing.
Pricing Structure: What Does Pets Plus Us Cost?
Pets Plus Us does not publish standardized pricing—premiums are personalized based on multiple factors.
Factors That Affect Your Premium
According to the company's FAQ, pricing varies based on:
- Pet's age (older pets typically cost more)
- Pet's breed (some breeds have higher health risks)
- Your location (veterinary costs vary by province/city)
- Coverage selected ($7,500 vs $15,000 annual limit)
- Reimbursement percentage (70% vs 80% vs 90%)
- Deductible amount (higher deductible = lower premium)
Pricing
Pets Plus Us requires a personalized quote and does not publish a single average price that we could verify, so we do not quote one here. Request a quote for your own pet and compare it with other providers.
Age-Based Deductible Impact
Remember, your deductible increases as your pet ages with Accident & Illness coverage:
Dogs:
- 0-5 years: $100, $200, or $300
- 5-10 years: $300, $400, or $500
- 10+ years: $500, $600, or $700
Cats:
- 0-5 years: $100, $200, or $300
- 5-10 years: $200, $300, or $400
- 10+ years: $300, $400, or $500
This means both your premium AND your deductible will likely increase over your pet's lifetime.
Multi-Pet Discount
Pets Plus Us offers up to 15% discount for additional pets, making it more affordable for multi-pet households.
To get accurate pricing: Visit the official Pets Plus Us website and request a personalized quote with your specific pet details.
How to File a Claim with Pets Plus Us
Pets Plus Us uses a reimbursement model, meaning you pay your veterinarian upfront and then submit a claim for reimbursement.
The 3-Step Claims Process
According to the official claims page, here's how it works:
Step 1: Get Treatment
- Take your pet to any licensed veterinarian in Canada (or the U.S. if traveling)
- Pay your veterinarian in full
- Obtain a complete, itemized invoice with:
- Invoice number
- Your pet's name and your information
- All treatments provided
- Legible details (nothing covered by payment slips)
- Request medical records to submit with your claim (helps avoid delays)
Step 2: Submit Your Claim Pets Plus Us strongly recommends using their Pet Cloud online portal for fastest processing. You can also submit claims via:
- Email: submissions@petsplusus.com
- Mail: Suite #400, 710 Dorval Dr, Oakville, ON L6K 3V7
- Fax: 1-855-456-PETS (7387)
Available claim forms:
- Accident and Accident & Illness claims
- Wellness Care/Flex Care claims
- Emergency Medical claims
- Lost Pet Advertising and Reward claims
- Trip Cancellation claims
- Boarding/Kennel claims
- Pre-Approval forms
Step 3: Receive Reimbursement
- Direct deposit (recommended for fastest payment)
- Cheque by mail (may experience delays)
To set up direct deposit, contact Customer Success at 1-800-364-8422.
Claims Processing Time
Average turnaround: 15-20 calendar days upon receipt of all required information
This is from the time Pets Plus Us receives your complete claim with all necessary documentation. Incomplete claims may take longer.
Tips for Faster Claims Processing
Based on the official claims guidance:
- ✅ Use the Pet Cloud online portal
- ✅ Submit medical records with invoices
- ✅ Ensure invoices are complete and legible
- ✅ Set up direct deposit (faster than cheque)
- ✅ Include all required information upfront
Customer Support & Contact Information
Phone: 1-800-364-8422
Email: info@petsplusus.com
Mail: Suite #400, 710 Dorval Dr, Oakville, ON L6K 3V7
Online Portal: Pet Cloud (accessible via their website)
Customer Support Features:
- Blue Ribbon Benefits include 24/7 Pet Poison Helpline®
- TELUS Health MyPet app with unlimited vet technician consultations across Canada
- 20% off vet consults in Ontario and BC through MyPet app
Customer Reviews & Reputation
Now let's examine what real customers are saying about Pets Plus Us.
Trustpilot Rating: 1.6/5 (Poor)
As of August 2026, Pets Plus Us has a 1.6 out of 5 star rating on Trustpilot based on 186 reviews. This is the lowest rating among the six providers we compare.
Review Distribution:
- 73% gave 1-star ratings
- 16% gave 5-star ratings
- Very few moderate ratings (2-4 stars)
Important Context: Trustpilot notes that Pets Plus Us has "no recent history of asking for reviews," which means the review sample may not be representative of all customers. Satisfied customers are less likely to leave reviews unprompted, while dissatisfied customers often seek out review platforms.
Common Customer Complaints
Based on available reviews from 2024-2025, recurring themes include:
Premium Increases: Multiple reviewers report significant premium increases at renewal. Pets Plus Us has stated that premiums periodically increase due to inflation and rising veterinary care costs, a practice common across the pet insurance industry. Review the renewal terms in your sample policy.
Claims Disputes: Some customers report frustration with claim denials or disputes over pre-existing conditions, particularly when conditions weren't formally diagnosed before coverage began but showed symptoms.
Processing Delays: Some reviewers mention longer-than-expected claims processing times or difficulties with the online portal, though official turnaround is stated as 15-20 days.
Customer Service Experiences: Reviews are mixed—some customers praise helpful agents and successful claims experiences, while others report slow responses or difficulty reaching support.
Positive Customer Experiences
It's important to note that some reviewers (the 16% who gave 5 stars) reported:
- ✅ Successful claim reimbursements
- ✅ Helpful customer service representatives
- ✅ Appreciation for flexible coverage options
- ✅ Satisfaction with annual deductible structure
Our Take on Reviews
Balanced Perspective: Online reviews skew negative across most industries because dissatisfied customers are more motivated to leave feedback. However, a 1.6/5 rating with 73% 1-star reviews is concerning and suggests genuine customer satisfaction challenges.
What This Means for You:
- Research thoroughly before purchasing
- Read your policy documents completely
- Understand what is and isn't covered
- Keep detailed records of your pet's health history
- Be prepared for potential premium increases
- Set realistic expectations about claims processing
How Pets Plus Us Compares to Other Canadian Pet Insurers
To help you make an informed decision, let's compare Pets Plus Us with two other popular Canadian pet insurance providers: Trupanion and Fetch.
Pets Plus Us vs. Trupanion
| Feature | Pets Plus Us | Trupanion |
|---|---|---|
| Annual Coverage Limit | $7,500 or $15,000 | Unlimited (no annual or lifetime cap) |
| Reimbursement | 70%, 80%, or 90% | Up to 90% |
| Deductible Type | Annual, age-based ($100-$700) | Per-condition, lifetime ($0-$2,000) |
| Waiting Periods | 48h accidents / 14d illness | Varies by policy (check your quote) |
| Payment Model | Reimbursement | VetDirect Pay at participating clinics |
| Exam Fees | ✅ Covered | ❌ Not covered |
| Wellness Add-On | ✅ Available | ❌ Not available |
| Trustpilot Rating | 1.6/5 (186 reviews) | 4.4/5 (12,080 reviews) |
| Established | Not stated | 2000 |
| 24/7 Support | Via Blue Ribbon Benefits | ✅ Yes |
Key Differences:
Trupanion's Advantages:
- Unlimited lifetime coverage - No annual caps means catastrophic illnesses won't max out
- Direct vet payment - Pay only your portion at checkout (at participating clinics)
- Per-condition deductible - Once met for a condition, you never pay it again
- Much better reputation - 4.4/5 vs 1.6/5 rating
- 24/7 customer support directly from the company
Pets Plus Us's Advantages:
- Plan structure - Annual limits of $7,500 or $15,000; compare quotes to see how the price differs
- Annual deductible - Simpler structure; once you hit it, all conditions covered that year
- Covers exam fees - Trupanion doesn't cover office visit charges
- Wellness options - Can add routine care coverage
- More flexible customization - Three reimbursement levels and two coverage limits
Bottom Line: Trupanion is better for catastrophic coverage and chronic conditions (diabetes, cancer, ongoing treatments) because it has no annual cap. Pets Plus Us may suit owners who want a plan with an annual limit and a choice of reimbursement levels. Compare actual quotes for price.
Pets Plus Us vs. Fetch
| Feature | Pets Plus Us | Fetch |
|---|---|---|
| Annual Coverage Limit | $7,500 or $15,000 | $5,000, $10,000, or $15,000 |
| Reimbursement | 70%, 80%, or 90% | 70%, 80%, or 90% |
| Deductible | Annual, age-based ($100-$700) | Annual ($250-$2,500) |
| Waiting Periods | 48h accidents / 14d illness | No wait for accidents / 15d illness |
| Dental Coverage | ❌ Excluded (unless accident) | ✅ Dental injury & disease included |
| Exam Fees | ✅ Covered | ✅ Sick-visit exam fees covered |
| Wellness Add-On | ✅ Available | ✅ Available |
| Age Limit | 7 weeks min, no max | 6 weeks min, no max |
| Trustpilot Rating | 1.6/5 (186 reviews) | 4.6/5 (7,541 reviews) |
| Avg Monthly Premium | Quote required | Fetch states $35 dogs / $21 cats |
Key Differences:
Fetch's Advantages:
- No accident waiting period - Coverage starts immediately for accidents
- Dental coverage included - Injury and disease in all adult teeth
- Published average prices - Fetch states $35/month for dogs and $21/month for cats; Pets Plus Us requires a quote
- Excellent reputation - 4.6/5 rating (highest of the three)
- More payout options - $5K, $10K, or $15K limits
Pets Plus Us's Advantages:
- Shorter illness wait - 14 days vs 15 days (minimal difference)
- Age-based deductible options - Can choose lower deductibles for younger pets
- Blue Ribbon Benefits - Pet Poison Helpline and MyPet app included
Bottom Line: Fetch offers broader dental coverage, no accident waiting period, and a much higher Trustpilot rating (4.6/5 vs 1.6/5). Pets Plus Us's main advantages are the Blue Ribbon Benefits and slightly more deductible flexibility. Compare actual quotes for price.
Who Should Choose Pets Plus Us?
Pets Plus Us may be a good fit if you:
✅ Want flexible customization - Choose from two coverage limits ($7,500 or $15,000), three reimbursement levels (70%, 80%, 90%), and age-based deductible options
✅ Prefer an annual deductible - Once you hit your deductible for the year, all eligible claims are reimbursed without paying it again
✅ Have a senior pet - No upper age limit for enrollment (though pre-existing conditions are excluded)
✅ Want optional wellness coverage - Can add Routine or Advanced wellness plans for preventive care
✅ Value Blue Ribbon Benefits - 24/7 Pet Poison Helpline and MyPet app with unlimited vet tech consultations
✅ Have multiple pets - Up to 15% multi-pet discount
✅ Need budget-friendly options - $7,500 annual limit plans cost less than unlimited coverage options
Who Should Look Elsewhere?
Pets Plus Us may NOT be the best choice if you:
❌ Have a pet with chronic conditions - Annual limits of $7,500-$15,000 may not be enough for ongoing expensive treatments (consider Trupanion's unlimited coverage)
❌ Want comprehensive dental coverage - Dental care is excluded unless caused by a covered accident (Fetch includes dental injury and disease)
❌ Prioritize customer service reputation - 1.6/5 Trustpilot rating raises concerns about claim disputes and service quality
❌ Need direct vet payment - Pets Plus Us uses reimbursement model; you must pay upfront (Trupanion offers VetDirect Pay)
❌ Want claims to process faster - 15-20 day turnaround vs some competitors' faster processing
❌ Are concerned about premium increases - Multiple customer reviews mention significant rate hikes at renewal
Final Verdict: Is Pets Plus Us Worth It?
The Good: Pets Plus Us offers genuine flexibility in coverage customization, with options that let you balance protection and affordability. The annual deductible structure is simpler than per-condition deductibles, and the lack of age restrictions for enrollment makes it accessible for senior pets. Blue Ribbon Benefits add value, and the multi-pet discount helps families with multiple furry friends.
The Concerns: The 1.6/5 Trustpilot rating and 73% one-star reviews raise significant red flags about customer satisfaction. Common complaints about premium increases, claim disputes, and customer service issues cannot be ignored. The annual coverage caps ($7,500-$15,000) may be insufficient for serious chronic conditions or emergencies that require ongoing treatment.
Our Recommendation:
Consider Pets Plus Us if:
- You're insuring a young, healthy pet with no pre-existing conditions
- You understand and accept the annual coverage limits
- You're looking for a budget-friendly option with some customization
- You're comfortable with the reimbursement model and 15-20 day claims processing
Look at alternatives if:
- Your pet has or is prone to chronic conditions (consider Trupanion's unlimited coverage)
- You want better customer reviews and reputation (consider Fetch with 4.6/5 rating)
- Dental coverage is important (Fetch includes it standard)
- You prefer direct vet payment (Trupanion's VetDirect Pay)
Before You Buy:
- Get quotes from Pets Plus Us, Trupanion, and Fetch for accurate price comparison
- Read the complete policy documents and exclusions carefully
- Verify Trustpilot ratings are still current when you're ready to purchase
- Understand that premiums will likely increase over your pet's lifetime
- Keep detailed records of your pet's health history
- Ask specific questions about claim processing and coverage scenarios
Bottom Line: Pets Plus Us can work for budget-conscious pet owners with healthy pets who want customizable, moderate coverage at lower premiums. However, the poor customer reviews and service reputation make it essential to carefully weigh alternatives before committing. For many Canadian pet owners, competitors like Fetch (higher-rated, dental coverage included) or Trupanion (unlimited coverage, direct payment) may be worth comparing.
Frequently Asked Questions
Q: Does Pets Plus Us cover pre-existing conditions?
A: No. Like all pet insurance providers, Pets Plus Us excludes pre-existing conditions—any condition that showed symptoms before coverage became effective or during waiting periods.
Q: Can I use any veterinarian in Canada?
A: Yes. Pets Plus Us allows you to visit any licensed veterinarian in Canada, and they also reimburse eligible care from U.S. veterinarians if you're traveling with your pet.
Q: How long does it take to get reimbursed?
A: Average claims turnaround is 15-20 calendar days upon receipt of all required information. Direct deposit is faster than cheque by mail.
Q: Will my premium increase over time?
A: Yes, most likely. Multiple customer reviews mention premium increases at renewal. Pets Plus Us states that premiums can change due to inflation and rising veterinary costs. Your deductible will also increase as your pet ages.
Q: Is the $7,500 annual limit enough?
A: It depends. For minor accidents and common illnesses, $7,500 may be sufficient. However, serious conditions like cancer, ACL surgery, or chronic diseases can easily exceed this amount. Consider the $15,000 limit or an unlimited option from competitors if catastrophic coverage is important.
Q: What is the Blue Ribbon Benefits program?
A: Blue Ribbon Benefits includes access to Pet Poison Helpline (24/7 animal poison control) and the TELUS Health MyPet app with unlimited vet technician consultations across Canada, plus discounts on vet consults in Ontario and BC.
Q: How does the annual deductible work?
A: You only pay your deductible once per policy year, and only if you make a claim. Once you've met it, all additional eligible claims that year are reimbursed at your chosen percentage (70%, 80%, or 90%). If you don't make any claims, you don't pay the deductible.
Ready to get a quote? Visit our Pets Plus Us company page for quick specs and to get started, or go directly to the official Pets Plus Us website to compare pricing for your specific pet.
Want to explore alternatives? Check out our detailed reviews of Trupanion and Fetch to see how they compare.
Disclaimer: This review is based on publicly available information as of September 2026. Pet insurance policies, pricing, and terms can change. Always verify current details with Pets Plus Us directly and read complete policy documents before purchasing. Trustpilot ratings and customer reviews represent individual experiences and may not reflect your own experience.
Last Updated: September 2, 2026
Trustpilot Rating: 1.6/5 (186 reviews) - verified August 24, 2026