Pets Plus Us vs PC: Pet Insurance Comparison (2026)
A side-by-side comparison of Pets Plus Us and PC Pet Insurance for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
Quick Verdict
Across our scored factors, PC wins 4 to 1. That said, the right pick depends on your pet: Pets Plus Us is best for budget-conscious pet owners, especially costco or caa members, while PC is best for budget-conscious pet owners who shop at loblaws/pc stores and want to earn points.
| Feature | Pets Plus Us 2.1/5 | PC 3.5/5 |
|---|---|---|
| Max reimbursement | 90% | 80% |
| Max annual limit | $15,000 | Unlimited |
| Accident waiting period | 48 hours | 48 hours |
| Illness waiting period | 14 days | 14 days |
| Direct vet pay | No | No |
| Exam fees covered | No | Yes |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $45 | $35 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 2.1/5 | 3.5/5 |
Pets Plus Us: Pros & Cons
- Affordable premiums
- Costco members get preferred rates + first month free
- CAA members get 13.5% discount
- Flex Care covers pre-existing conditions
- No lifetime limits on claims
- Doesn't cover dental or alternative therapies in base plan
- Doesn't cover exam fees
- Complaints about premium increases at renewal
- Claims processing can be slow
PC: Pros & Cons
- Most affordable starting prices ($10.95/mo dogs, $9.95/mo cats)
- Earn PC Optimum points on premiums
- Four plan tiers for different budgets
- Covers exam fees
- Available in all provinces
- 6-month waiting period for orthopedic conditions
- No mobile app for claims
- Changing plans requires new application
- Limited online reviews
Pets Plus Us vs PC: FAQ
Is Pets Plus Us or PC better for pet insurance in Canada?
PC comes out ahead on more of our scored factors (4 vs 1), but the best choice depends on your pet. Pets Plus Us is best for Budget-conscious pet owners, especially Costco or CAA members. PC is best for Budget-conscious pet owners who shop at Loblaws/PC stores and want to earn points.
Which has a shorter waiting period, Pets Plus Us or PC?
Pets Plus Us has a 14 days illness waiting period and 48 hours for accidents. PC has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Pets Plus Us or PC?
Average monthly premiums for a dog are about $45 with Pets Plus Us and $35 with PC. Your actual price depends on your pet's age, breed, and location.
Are Pets Plus Us and PC available in Quebec?
Pets Plus Us is available in Quebec. PC is available in Quebec.
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