About Pets Plus Us
📖 Looking for a detailed review? Read our comprehensive Pets Plus Us Review 2026 with customer reviews, pricing analysis, and comparison to Trupanion and Fetch.
Pets Plus Us provides pet insurance for dogs and cats across Canada. Its current offerings include Accident & Illness coverage, Accident coverage, and optional Wellness coverage. Policies are distributed by PTZ Insurance Services Ltd. and, according to current policy documents, are underwritten by Northbridge General Insurance Corporation.
What Makes Pets Plus Us Stand Out
Flexible Reimbursement: With Accident & Illness coverage, you can choose for Pets Plus Us to reimburse 70%, 80%, or 90% of eligible veterinary costs, including tax. You pay the remaining 10%, 20%, or 30%, plus your annual deductible when applicable.
Two Accident & Illness Limits: You can choose an annual coverage limit of $7,500 or $15,000.
Annual Deductible: Accident & Illness policies use an age-based annual deductible. Once the deductible has been satisfied for the policy year, it does not apply again to additional eligible claims that year.
Coverage at Any Age: Pets must be at least 7 weeks old to start a new policy. Pets Plus Us states that it does not have an upper age cutoff for senior pets, although pre-existing conditions remain excluded.
Coverage Details
Accident & Illness Coverage
Pets Plus Us states that eligible medically necessary veterinary care can include:
- Accidents and injuries
- Illnesses
- Hospitalization
- Surgery
- Hereditary and congenital conditions
- Diagnostic testing
- Prescription medications
- Eligible alternative therapies
- Eligible behavioural therapies
- Veterinary exam fees associated with eligible conditions
Accident Coverage
The Accident plan provides:
- $5,000 per year of accident coverage
- 80% reimbursement of eligible costs
- $100 annual deductible
- Coverage for eligible exams, emergency care, hospitalization, medication, diagnostic testing, surgery, and specialist referrals arising from covered accidents
Optional Wellness Coverage
Optional Wellness coverage can be added to eligible Accident & Illness policies. Pets Plus Us currently describes two Wellness options, Routine and Advanced. Depending on the selected option, benefits can include items such as:
- Annual veterinary exams
- Vaccinations
- Wellness blood testing
- Fecal screening
- Heartworm testing or FELV screening
- Microchipping and/or urinalysis
- Spay/neuter and/or wellness blood testing
- Flea, tick, or heartworm prevention
- Dental cleaning under applicable coverage
Wellness benefits are reimbursed separately and are not subject to the Accident & Illness deductible or co-insurance.
What's Not Covered
Key exclusions identified by Pets Plus Us include:
- Pre-existing conditions
- Conditions arising during applicable waiting periods
- Routine or preventive care under Accident & Illness coverage unless separate Wellness coverage applies
- Elective and cosmetic procedures
- Breeding-related or reproductive expenses as specified in the policy
- Experimental or innovative treatments as specified in the policy
Plan Options
Accident & Illness
- Annual Limit: $7,500 or $15,000
- Reimbursement: 70%, 80%, or 90%
- Deductible: Annual and age-based
- Waiting Period: 48 hours for accidents; 14 days for illnesses
Current age-based Accident & Illness deductible options:
| Pet | Age | Deductible Options |
|---|---|---|
| Dog | 0-5 years | $100, $200, $300 |
| Dog | 5-10 years | $300, $400, $500 |
| Dog | 10+ years | $500, $600, $700 |
| Cat | 0-5 years | $100, $200, $300 |
| Cat | 5-10 years | $200, $300, $400 |
| Cat | 10+ years | $300, $400, $500 |
Accident
- Annual Limit: $5,000
- Reimbursement: 80%
- Annual Deductible: $100
- Waiting Period: 48 hours
- Illness Coverage: Not included
Pricing Structure
Pets Plus Us does not publish one standard monthly premium that applies to all pets. Pricing varies according to factors such as:
- Pet's age
- Pet's breed
- Location
- Selected coverage
- Reimbursement percentage
- Deductible
A personalized quote is required for current pricing.
Multi-Pet Discount: Pets Plus Us states that customers can receive up to a 15% discount on plans for additional pets.
Customer Experience
Claim Process
Pets Plus Us provides reimbursement claims through its current Pet Cloud system. Claims can also be submitted using the methods identified on its claims page. Supporting veterinary invoices and medical information may be required.
Approved reimbursements can be paid by:
- Automatic/direct deposit
- Cheque
Pets Plus Us recommends automatic deposit for faster receipt of reimbursement.
Customer Support
Current contact information includes:
- Phone: 1-800-364-8422
- Email: info@petsplusus.com
- Mail: Suite #400, 710 Dorval Dr, Oakville, ON L6K 3V7
- Online account/Pet Cloud access
Reviews & Reputation
Trustpilot Rating: 1.6/5 from 186 reviews as of August 24, 2026.
Trustpilot's current review summary indicates that recent reviewers frequently mention premium increases, claim decisions, policy wording, and processing times. Some reviewers also report positive experiences with customer service and successful claim reimbursements. Trustpilot reviews represent individual customer experiences and are separate from Pets Plus Us's own coverage information.
Who Should Choose Pets Plus Us?
Pets Plus Us may suit pet owners who want:
- A choice of 70%, 80%, or 90% reimbursement for Accident & Illness coverage
- An annual rather than per-condition deductible
- $7,500 or $15,000 annual Accident & Illness coverage
- Optional Wellness coverage for routine and preventive care
- Accident-only coverage as an alternative to Accident & Illness coverage
- Coverage for an older pet, since there is no upper age cutoff for enrollment
- Multi-pet discounts for additional insured pets
Important Considerations
Before enrolling, consider that:
- Accident & Illness coverage is capped at either $7,500 or $15,000 per policy year
- Pre-existing conditions are excluded
- Accident & Illness coverage has a 48-hour accident waiting period and 14-day illness waiting period
- Routine and preventive care is not part of standard Accident & Illness coverage and requires applicable Wellness coverage
- Deductible choices change as a pet ages
- Premiums are personalized and can change over time
Special Features
Blue Ribbon Benefits: Pets Plus Us advertises additional member benefits alongside its insurance coverage, including access to pet-related services and resources. Availability and terms should be confirmed on the current Blue Ribbon Benefits page.
Travel: Pets Plus Us states that eligible veterinary care from a licensed veterinarian in the United States can be reimbursed in Canadian dollars when you are travelling with your pet.
Guaranteed Renewal: Pets Plus Us states that once enrolled, coverage benefits are guaranteed to renew each year for the pet's life, subject to the policy terms and conditions.
Final Verdict
Pets Plus Us's Accident & Illness product allows customers to choose between 70%, 80%, and 90% reimbursement and between $7,500 and $15,000 in annual coverage, while its separate Accident product provides $5,000 of annual accident coverage at 80% reimbursement.
Its annual deductible structure, optional Wellness coverage, lack of an upper enrollment-age cutoff, and multi-pet discount may appeal to some Canadian pet owners. However, customers should compare the annual limits, age-based deductibles, exclusions, waiting periods, personalized premium, and current policy wording before purchasing.
Last Updated: August 24, 2026
Trustpilot Rating: 1.6/5 (186 reviews) - checked August 24, 2026