Pets Plus Us Pet Insurance Review
Pets Plus Us offers affordable pet insurance with flexible coverage options. They're known for their Costco and CAA member discounts, and their optional Flex Care add-on that covers routine and preventive care.
Quick Summary: Is Pets Plus Us Worth It?
Pets Plus Us offers 80% reimbursement with annual limits up to $15,000.Monthly premiums range from $25-$95 for dogs and $18-$55 for cats.
Pets Plus Us Waiting Periods
All pet insurance has waiting periods before coverage starts. Here's what to expect with Pets Plus Us:
Pre-Existing Conditions Policy
Understanding how Pets Plus Us handles pre-existing conditions is crucial before enrolling.
Standard pre-existing condition exclusion
Pets Plus Us Pros
- 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
- Available in all provinces
Pets Plus Us Cons
- 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
- No direct vet pay
What Pets Plus Us Covers
Core Coverage
- Yes Accidents
- Yes Illnesses
- Yes Hereditary conditions
- Yes Congenital conditions
- Yes Chronic conditions
- Yes Cancer
Medical Services
- No Exam fees
- Yes Prescriptions
- Yes Diagnostics (X-rays, MRI)
- Yes Surgery
- Yes Hospitalization
- Yes Emergency care
Dental & Therapies
- No Dental (accident)
- No Dental (illness)
- No Alternative therapy
- No Behavioral therapy
- No Physical therapy
Pets Plus Us Plans
Accident Only
- Accidents only
- Lowest premium
Accident & Illness MORE
- Accidents & illnesses
- Mid-tier coverage
Accident & Illness MAX
- Highest coverage
- Best protection
Claims Experience
- Processing Time:5-10 business days
- Direct Vet Pay:No - reimbursement only
- Mobile App:Available
- Submit via:app, online, email
Mixed reviews. Some complaints about premium increases at renewal and claim denials. Good Costco integration.
About Pets Plus Us
- Headquarters:Toronto, ON
- Founded:2013
- Underwriter:Northbridge General Insurance Corporation
- Available in:All Canadian provinces
Eligibility Requirements
- Minimum age: 8 weeks
- Maximum enrollment age: No limit
- No maximum enrollment age
- Any vet: Yes
- US travel coverage: Yes
Available Discounts
- Multi-pet discount: 5%
- Costco members - preferred rate + first month free
- CAA members - 13.5% off
Ready to protect your pet with Pets Plus Us?
Get a personalized quote based on your pet's age, breed, and location.
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Pets Plus Us Head-to-Head Comparisons
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