About Pets Plus Us
Pets Plus Us is Canada's longest-standing pet insurance provider, founded in 1996 in Ontario. As a proudly Canadian company, they understand the unique needs of Canadian pet owners and have built their policies around the Canadian veterinary system.
What Makes Pets Plus Us Stand Out
True Canadian Company: Unlike competitors that operate from the US, Pets Plus Us is 100% Canadian, with policies designed specifically for Canadian pets, vets, and regulations.
Exam Fees Included: Pets Plus Us covers exam fees, which can save pet owners $75-$150 per visit. This is a significant advantage over Trupanion.
Flexible Plan Options: Choose from multiple coverage levels, deductibles, and annual limits to create a plan that fits your budget.
Coverage Details
What's Covered
- Accidents & Injuries: Cuts, broken bones, foreign objects, poisoning
- Illnesses: Cancer, infections, chronic conditions, diabetes
- Hereditary & Congenital Conditions: Hip dysplasia, heart issues (if not pre-existing)
- Exam Fees: Office visit charges for covered conditions
- Diagnostic Tests: X-rays, blood work, ultrasounds, MRIs
- Surgeries: Emergency and elective surgeries for covered conditions
- Medications: Prescription drugs for covered conditions
- Hospitalization: Emergency and overnight stays
- Alternative Therapies: Acupuncture, physiotherapy (up to certain limits)
Optional Wellness Coverage
- Annual exams
- Vaccinations
- Dental cleaning
- Flea/tick prevention
- Spay/neuter procedures
- Microchipping
What's NOT Covered
- Pre-existing conditions
- Breeding costs
- Cosmetic procedures
- Elective procedures (unless wellness add-on)
- Behavioral issues
Plan Options
Three Coverage Levels:
-
Basic Plan
- Annual Limit: $5,000
- Coverage: 80%
- Best for: Healthy young pets, budget protection
-
Standard Plan
- Annual Limit: $10,000
- Coverage: 80%
- Best for: Most pet owners seeking balanced coverage
-
Premium Plan
- Annual Limit: $20,000
- Coverage: 80%
- Best for: Comprehensive protection, chronic conditions
Deductible Options: $100, $250, $500, $750, $1,000 (annual)
Pricing Structure
Pricing based on:
- Pet's breed and size
- Pet's age at enrollment
- Your province
- Chosen coverage level and deductible
Typical Monthly Premiums:
- Dogs: $45 - $90/month
- Cats: $30 - $60/month
Multi-Pet Discount: 5% off when insuring multiple pets
Customer Experience
Claim Process:
- Pay your vet bill upfront
- Submit claim via mobile app, online portal, or mail
- Include itemized invoice and medical records
- Reimbursement processed within 5-10 business days
- Payment via direct deposit or cheque
Customer Support:
- Phone support (business hours)
- Email support
- Mobile app for claims
- Online member portal
- FAQ and help center
Reviews & Reputation
Customer Satisfaction: 4.3/5 stars
Positive Feedback:
- Canadian company with local understanding
- Exam fees covered saves money
- Wellness coverage option is valuable
- Good customer service
- Claims processed fairly
Common Complaints:
- Not 24/7 support like Trupanion
- Annual limits feel restrictive for serious conditions
- Claims require upfront payment
- Some claims denied for "pre-existing" conditions
Who Should Choose Pets Plus Us?
Best For:
- Canadian pet owners who prefer supporting local
- Those who visit the vet frequently (exam fees add up)
- Pet owners wanting wellness coverage
- Budget-conscious buyers seeking good value
- Owners of multiple pets (discount available)
Not Ideal For:
- Those who can't afford upfront vet bills (no direct payment)
- Pet owners seeking unlimited coverage
- Those with breeds prone to expensive chronic conditions
- People who want 24/7 customer support
Special Features
Multi-Pet Discount: Save 5% when insuring 2+ pets
Wellness Add-On: Available on all plans for an additional cost
- Covers routine care: vaccines, dental, exams
- Reimbursement: $100 - $500 per year depending on package
Flexible Payment: Monthly, quarterly, or annual payment options
No Upper Age Limit: Can enroll senior pets (coverage may be limited)
Comparison with Competitors
Here's how Pets Plus Us stacks up against both premium and budget-friendly alternatives. We've compared key features to help you find the right balance of coverage and cost.
| Feature | Pets Plus Us | Trupanion | Petsecure |
|---|---|---|---|
| Price Tier | Mid-Range | Premium | Budget-Friendly |
| Coverage % | 80% | 90% | 80% |
| Annual Limit | $5K - $20K | Unlimited | $5K - $15K |
| Deductible | Annual | Per-condition | Annual |
| Exam Fees | ✅ Covered | ❌ Not Covered | ✅ Covered |
| Direct Pay | ❌ No | ✅ Yes | ❌ No |
| Wellness Add-On | ✅ Optional | ❌ No | ✅ Optional |
| Canadian Company | ✅ Yes | ❌ No (US) | ✅ Yes |
Want to see more providers? Visit our full comparison page to compare all options side-by-side.
Final Verdict
Rating: 4.3/5
Pets Plus Us offers excellent value for Canadian pet owners who want comprehensive coverage without breaking the bank. The inclusion of exam fees and optional wellness coverage makes them stand out, though annual limits mean they're not ideal for extremely expensive chronic conditions.
Recommendation: Pets Plus Us is perfect for:
- Most Canadian pet owners seeking balanced coverage
- Those who visit the vet regularly (exam fees covered)
- Pet parents who want wellness care included
- Budget-conscious buyers who still want quality coverage
Bottom Line: Pets Plus Us is our #2 choice and the best option for Canadian pet owners seeking a balance between coverage and affordability.
Affiliate Disclosure: We may earn a commission if you sign up through our links. This helps us keep our reviews free and unbiased.
Last Updated: August 2026