Pet plus us Pet Insurance Review 2025: Pros & Cons for Canadians
Our expert's opinion on Pet plus us
Pets Plus Us offers two clear core options: an Accident Plan and an Accident & Illness Plan, sold on a reimbursement basis where you pay the vet and submit claims through an online portal.
The Accident & Illness plan allows policyholders to choose annual limits (examples include $7,500 or $15,000), with example reimbursements shown at 80% and sample deductibles illustrated at $100; wellness care is not included but an optional FlexCare add‑on is available, and the plans include ancillary benefits like trip cancellation, lost pet recovery, emergency boarding, and euthanasia/cremation limits. Compared to main competitors, Pets Plus Us is positioned with flexible annual limits, practical incident-specific extras and mid-range pricing that can be competitive for younger pets, though it has received notable complaints about renewal pricing and policy changes.
Best suited for owners of young to middle-aged pets who want flexible annual limits and moderate reimbursement levels, rather than owners seeking comprehensive wellness coverage or predictable senior-pet pricing.
Policies are underwritten by Northbridge General Insurance Corporation; the provided report includes no revenue or premium volume figures. Trustpilot shows a 2.1/5 rating from 138 reviews, and customer feedback on claims is mixed—some report fast reimbursements, while many cite claim denials and steep premium increases at renewal.
- ✅Two plan types: Accident and Accident & Illness
- ✅Selectable annual coverage limits (example: $7,500 or $15,000)
- ✅Example 80% reimbursement option shown
- ✅Deductible applied once per policy year
- ✅Alternative therapies and behavioural therapy covered under A&I
- ✅Useful ancillary benefits (trip cancellation, recovery, boarding)
- ✅Online portal and pre-approval for >$1,000 estimates
- ❌Wellness not included without optional FlexCare
- ❌Strict pre-existing and bilateral-condition exclusions
- ❌Frequent customer complaints about renewal premium increases
- ❌Reported policy downgrades and coverage changes at renewal
- ❌Some claim denials for breed-related or prior-condition classifications
Score- ✅Two plan types: Accident and Accident & Illness
- ✅Selectable annual coverage limits (example: $7,500 or $15,000)
- ✅Example 80% reimbursement option shown
- ✅Deductible applied once per policy year
- ✅Alternative therapies and behavioural therapy covered under A&I
- ✅Useful ancillary benefits (trip cancellation, recovery, boarding)
- ✅Online portal and pre-approval for >$1,000 estimates
Our expert's opinion on Pet plus us
- ✅Two plan types: Accident and Accident & Illness
- ✅Selectable annual coverage limits (example: $7,500 or $15,000)
- ✅Example 80% reimbursement option shown
- ✅Deductible applied once per policy year
- ✅Alternative therapies and behavioural therapy covered under A&I
- ✅Useful ancillary benefits (trip cancellation, recovery, boarding)
- ✅Online portal and pre-approval for >$1,000 estimates
- ❌Wellness not included without optional FlexCare
- ❌Strict pre-existing and bilateral-condition exclusions
- ❌Frequent customer complaints about renewal premium increases
- ❌Reported policy downgrades and coverage changes at renewal
- ❌Some claim denials for breed-related or prior-condition classifications
Score- ✅Two plan types: Accident and Accident & Illness
- ✅Selectable annual coverage limits (example: $7,500 or $15,000)
- ✅Example 80% reimbursement option shown
- ✅Deductible applied once per policy year
- ✅Alternative therapies and behavioural therapy covered under A&I
- ✅Useful ancillary benefits (trip cancellation, recovery, boarding)
- ✅Online portal and pre-approval for >$1,000 estimates
us
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The Pet plus us Guarantees
Pets Plus Us offers two distinct plan types: an Accident Plan (accident-only coverage) and an Accident & Illness Plan (comprehensive accident and illness coverage). Policies are underwritten by Northbridge General Insurance Corporation and operate on a reimbursement model: you pay the veterinarian and submit a claim for reimbursement.
The Accident & Illness Plan allows the policyholder to select an annual coverage limit (examples in the documentation include $7,500 and $15,000), while the Accident Plan’s specific limits are listed on each policyholder’s Summary of Coverage.
Deductible and reimbursement mechanics are defined on the policy Summary of Coverage. The documentation uses examples of an 80% reimbursement rate (20% your share) and a $100 deductible, but the exact reimbursement percentage and deductible amount are listed for each policy. For the Accident & Illness Plan the deductible is an annual deductible that must be met once per policy year. Waiting periods apply (accidents: 48 hours; illnesses: 14 days) and certain conditions (for example, bloat and several musculoskeletal conditions) are always treated as illnesses regardless of cause and therefore are only covered under the Accident & Illness Plan.
Both plans include a number of additional benefits that are paid without applying the annual deductible or co-insurance, subject to their own limits. Notable benefits across plans include trip cancellation reimbursement, lost/stolen pet recovery (advertising and reward), emergency boarding if the owner is hospitalized, euthanasia/cremation/burial expenses, and a small tribute donation. The policies also cover a range of clinical services when they are for a covered condition, including diagnostic tests, surgery, hospitalization, prescription food (limited), medical devices (up to a defined annual limit), and alternative/rehabilitative therapies when prescribed by a veterinarian.
Key strengths are the clear distinction between an entry-level accident-only option and a selectable annual-limit Accident & Illness option, the availability of several non-deductible benefits (trip cancellation, lost & found support, emergency boarding, end-of-life costs), and the fact that coverage is provided through a regulated Canadian underwriter (Northbridge). Weaknesses and limitations include standard exclusions for pre-existing and bilateral conditions, explicit dental and preventive-care exclusions, and documented customer concerns (outside the policy wording) about premium increases and policy changes at renewal.
| Accident Plan | Accident & Illness Plan | |
|---|---|---|
| Plan positioning | Entry-level / accident-only coverage | Balanced / comprehensive accident & illness coverage with selectable annual limits |
| Type of coverage (accident, illness, both, etc.) | Accident only | Accident & illness |
| Animals covered (dogs, cats, other) | Dogs and cats (information in documentation focuses on dogs & cats) | Dogs and cats (information in documentation focuses on dogs & cats) |
| Reimbursement rate | Listed on the Summary of Coverage (example used: 80% reimbursement / 20% your share) | Listed on the Summary of Coverage (example used: 80% reimbursement / 20% your share) |
| Annual reimbursement limit | Specified on the Summary of Coverage for each policyholder (not a fixed public amount) | Selected by the policyholder (examples in documents: $7,500 or $15,000). Renews each policy year. |
| Deductible (annual or per claim) | Specified on the Summary of Coverage (example: $100) | Annual deductible; must be met once per policy year (specific amount on Summary of Coverage) |
| Age limits for enrollment | Not specified in the provided documents | Not specified in the provided documents |
| Pre-enrollment health questionnaire | Not specified in the provided documents | Not specified in the provided documents |
| Waiting periods (accident and illness) | Accident: 48 hours | Accident: 48 hours; Illness: 14 days |
| Lifetime coverage | Not specified in the provided documents | Not specified in the provided documents |
| Consultations | Covered when part of veterinary treatment for a covered condition (treatment/tests recommended by a veterinarian) | Covered when part of veterinary treatment for a covered condition |
| Medications | Covered when prescribed to treat a covered condition (subject to policy limits; unlicensed meds excluded) | Covered when prescribed to treat a covered condition (subject to policy limits; unlicensed meds excluded) |
| Hospitalization | Covered for eligible accidents (Accident Plan) and eligible accidents & illnesses (A&I Plan) | Covered for eligible accidents & illnesses |
| Surgery | Covered for eligible accidents (Accident Plan) and eligible accidents & illnesses (A&I Plan) | Covered for eligible accidents & illnesses |
| Diagnostic tests | Covered for eligible accidents (Accident Plan) and eligible accidents & illnesses (A&I Plan) | Covered for eligible accidents & illnesses |
| Dental care | Only covers extraction of a non-diseased tooth fractured in a covered accident; diseases of teeth/gums not covered | Only covers extraction of a non-diseased tooth fractured in a covered accident; diseases of teeth/gums not covered |
| Preventive care | Not covered (optional FlexCare wellness plan available separately) | Not covered (optional FlexCare wellness plan available separately) |
| Alternative medicine | Covered if prescribed by a vet for a covered accident (examples: acupuncture, chiropractic, hydrotherapy, massage, physiotherapy, laser) | Covered if prescribed by a vet for a covered accident or illness (same therapies listed) |
| Travel coverage | Trip cancellation benefit included (see limits) | Trip cancellation benefit included (see limits) |
| Civil liability | Not specified in the provided documents | |
| Euthanasia | Covered if medically recommended as a result of a covered condition (subject to benefit limits) | Covered if medically recommended as a result of a covered condition (subject to benefit limits) |
| Death & cremation coverage | Cremation/burial covered up to the policy benefit limit (example: up to $1,000) | Cremation/burial covered up to the policy benefit limit (example: up to $1,000) |
| Theft or loss + search expenses | Recovery costs for lost/stolen pet (advertising and reward) covered up to limit (example: up to $1,000 per incident) | Recovery costs for lost/stolen pet (advertising and reward) covered up to limit (example: up to $1,000 per incident) |
| Boarding fees | Emergency boarding if owner hospitalized: up to $30 per day, to a maximum (example: $1,000 per incident) | Emergency boarding if owner hospitalized: up to $30 per day, to a maximum (example: $1,000 per incident) |
Exclusions and primary limitations are clearly defined in the Pets Plus Us documentation. Pre-existing conditions (any condition that showed signs, was treated, or was set in motion before the end of applicable waiting periods) are permanently excluded, though temporary exclusions for curable conditions may be reviewed for removal after a period symptom-free. Bilateral conditions are excluded if one side was pre-existing. Dental diseases and routine dental care are excluded (the only dental coverage is for extraction of a tooth fractured in an eligible accident). Routine preventive and elective procedures (vaccinations, spay/neuter, grooming, parasite prevention, elective cosmetic procedures) are excluded unless a separate wellness product is purchased.
Other notable limitations include exclusions for experimental treatments, medications without valid licensure numbers, repetitive incidents (a condition arising from repeated preventable behaviour may be excluded after multiple events), reproduction-related costs (breeding, pregnancy, whelping), intentional injury or neglect, and administrative or non-medical supplies. The documentation also notes that deductible amounts and policy details are specified on each policyholder’s Summary of Coverage and that annual deductibles can increase automatically as a pet ages; payment and reimbursement follow a vet-pay-then-claim submission model.
Pet plus us Exclusions
Pet plus us policies exclude standard items including conditions arising during waiting periods, pre-existing conditions (including bilateral rules), routine preventive and elective procedures, dental disease (routine cleanings and periodontal treatment), reproductive/breeding costs, and treatments deemed experimental or non-evidence-based.
Notable or stricter exclusions include a three‑incident repetition rule (coverage may cease after three similar preventable incidents) and a formal temporary‑exclusion review process for curable conditions after 12 months symptom‑free, both of which can materially affect long‑term cover.
Administrative and non‑medical costs (forms, transfer fees, non‑therapeutic supplies), post‑mortems, owner‑caused injury or neglect, risky/commercial activities (fighting, guarding, racing), unlicensed medications, and claims submitted more than 180 days after treatment are also explicitly excluded.
Geographic or travel‑scope exclusions are N.C.; monetary limits and some operational details are defined on the insured’s Summary of Coverage or Schedule of Maximum Amounts.
| Exclusions | Details |
|---|---|
| Medical exclusions | Waiting periods (Accidents: 48 hrs; Illnesses: 14 days); experimental/non‑evidence‑based treatments (e.g., regenerative/stem cell therapies) |
| Pre-existing & bilateral conditions | Pre-existing conditions (signs/treatment before end of waiting period); bilateral rule (if one side pre-existing, opposite side excluded) |
| Preventive & elective care | Routine/wellness care excluded (annual exams, vaccinations, parasite control, grooming); elective/cosmetic procedures excluded (declawing, ear cropping, tail docking) |
| Dental exclusions | Dental disease and routine dental procedures excluded (gingivitis, periodontitis, root canals, scaling/polishing); only extraction of tooth fractured in a covered accident covered |
| Reproductive & congenital exclusions | Breeding, pregnancy, whelping, spay/neuter and related complications excluded; congenital conditions evident before policy start or during waiting period excluded |
| Behavioural & repetitive incidents | Behaviour‑related exclusions possible; coverage may cease after three separate but similar preventable incidents (e.g., repeated foreign‑body ingestions) |
| Experimental & medication exclusions | Treatments lacking strong scientific support excluded; unlicensed medications, supplements or drugs without required identifiers excluded |
| Administrative & procedural exclusions | Administrative fees, form/record transfer fees, prescription dispensing fees excluded; post‑mortem examinations excluded; claims submitted >180 days excluded |
| Owner‑related & activity exclusions | Intentional injury, neglect, failure to follow vet advice excluded; injuries/illnesses from commercial guarding, fighting, or for‑profit racing excluded |
| Time/geographic/claims limits | Waiting‑period events excluded; specific geographic exclusions N.C.; claims submission deadlines (e.g., 180 days) enforced |
| Other exclusions | Non‑therapeutic supplies (bedding, crates), non‑medical items, and acts of war, nuclear incidents or civil unrest excluded |
Pet plus us Prices
Pet plus us’s pricing positions the Accident plan clearly at an entry‑level price point while the Accident & Illness option sits in a mid‑range to upper‑mid‑range bracket depending on breed risk (sample rates show modest premiums for common breeds but much higher quotes for high‑risk breeds such as French Bulldogs). Reimbursement structure (example 80%/20% your share in the user guide), annual deductibles (examples around $100) and selectable annual limits (policyholder selects limits such as $7,500 or $15,000) are the primary levers that determine out‑of‑pocket exposure and therefore competitiveness: lower deductibles and higher reimbursement raise premiums, while accident‑only coverages remain attractively priced for buyers focused on downside protection.
Pet plus us leverages digital features (a member portal for online claims and pre‑approvals) and added‑value services (Blue Ribbon benefits including telehealth and poison‑control services, plus an optional FlexCare wellness add‑on) that help justify its pricing relative to traditional providers that rely more on broker networks and paper processes; these services reduce friction and can speed reimbursements or access to advice, which some owners value enough to pay a mid‑range premium.
Against more traditional players, Pet plus us’s model therefore reads as competitively modern: entry‑level accessibility for accident cover and configurable illness protection for those willing to pay more for higher limits and broader benefits, without making a specific recommendation.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Accident Plan | Accident & Illness Plan |
|---|---|---|
| Dog Labrador 1 year | $23.58 | $111.99 |
| Dog Labrador 3 years | $23.58 | $111.99 |
| Dog Labrador 7 years | $23.58 | $111.99 |
| Dog Australian Shepherd 1 year | $23.58 | $111.99 |
| Dog Australian Shepherd 3 years | $23.58 | $111.99 |
| Dog Australian Shepherd 7 years | $23.58 | $111.99 |
| Dog French Bulldog 1 year | $23.58 | $463.58 |
| Dog French Bulldog 3 years | $23.58 | $463.58 |
| Dog French Bulldog 7 years | $23.58 | $463.58 |
| Cat European Shorthair 1 year | $21.10 | $58.66 |
| Cat European Shorthair 3 years | $21.10 | $58.66 |
| Cat European Shorthair 7 years | $21.10 | $58.66 |
| Cat Maine Coon 1 year | $21.10 | $65.83 |
| Cat Maine Coon 3 years | $21.10 | $65.83 |
| Cat Maine Coon 7 years | $21.10 | $65.83 |
| Cat British Shorthair 1 year | $21.10 | $65.78 |
| Cat British Shorthair 3 years | $21.10 | $65.78 |
| Cat British Shorthair 7 years | $21.10 | $65.78 |
Pet plus us Promo Codes
| Pet plus us Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed with Pet plus us?
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $200 (consultation + medication)
Deductible amount to subtract: $100 (this is the first expense of the year)
Amount reimbursable after deductible with the Accident & Illness plan (highest-tier): $200 – $100 = $100
80% of that amount reimbursed: $100 × 80% = $80
👉 You receive a reimbursement of $80.
ℹ️ The deductible only applies once per policy year with Pet plus us; future eligible claims that year are not subject to the deductible again unless you change your policy.
✅ Example 2: Cruciate ligament surgery (TPLO)
Total vet costs: $6,500 (surgery, hospitalization, diagnostics, rehabilitation)
Deductible already used earlier in the year
Amount reimbursed at 80% with the Accident & Illness plan (highest-tier): $6,500 × 80% = $5,200
👉 You receive $5,200. Remaining annual limit after this operation: $15,000 – $5,200 = $9,800 until the end of the policy year.
ℹ️ Certain musculoskeletal conditions (like cruciate injuries) are always treated as illnesses under the policy and reduce your selected annual coverage limit when reimbursed.
✅ Example 3: Tooth extraction after accidental fracture
Total vet costs: $900 (exam, anesthesia, extraction, medications)
Deductible amount to subtract: $100 (if not yet met this policy year)
Amount reimbursable after deductible with the Accident & Illness plan (highest-tier): $900 – $100 = $800
80% of that amount reimbursed: $800 × 80% = $640
👉 You receive a reimbursement of $640.
ℹ️ Dental disease is generally excluded; Pets Plus Us covers dental treatment only when a tooth is fractured in a covered accident.
Pet plus us Assistance
| Assistance Pet plus us | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No dedicated third‑party advance payment program (Payvet, Petcard, CareCredit) is documented. Reimbursements are normally issued to the policyholder; a cheque can be arranged to be sent directly to the veterinarian after claim approval. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | Member portal (portal.petsplusus.com) is available for policy management and claims. Mobile app presence and store ratings are N.C. |
| Paperless claims process | ✅ | Yes — online member portal allows submitting and tracking claims. Electronic uploads and digital claim management are supported. |
| Emergency vet service | ✅ | Blue Ribbon benefits may include telehealth consultations and a 24/7 animal poison‑control service. Specific scope and access details are N.C. |
| Vet/clinic partner network | ❌ | No formal partner clinic network is specified in the documentation. N.C. regarding preferred clinic discounts or agreements. |
| Coverage abroad | ❌ | N.C. regarding travel or temporary overseas coverage in the provided documents. |
Reimbursements are normally issued to the policyholder; a cheque can be arranged to be sent directly to the veterinarian after claim approval.
Mobile app presence and store ratings are N.C.
Electronic uploads and digital claim management are supported.
Specific scope and access details are N.C.
N.C. regarding preferred clinic discounts or agreements.
Customer reviews of Pet plus us
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 2.1 / 5 — 138 reviews |
Notes and reviews by platform
Many customers praise Pets Plus Us for covering major, costly conditions when accepted, and several reviews note fast reimbursements and professional interactions with individual agents that helped during serious illnesses. However, the dominant concerns centre on steep premium increases at renewal, reported policy downgrades that reduce cover for long‑standing pets, recurring claim denials attributed to pre‑existing classifications, and difficulties reaching consistent, clear customer support.
Here are some examples of customer reviews:
- J.R. — 14/06/2024 — I had a major cancer bill approved quickly and the payout covered the bulk of the treatment, which was a huge relief, but my renewal premium jumped significantly the following year.
- M.T. — 02/11/2023 — Claims were denied for what I believed was an unrelated new issue; the explanation referenced pre‑existing conditions and the appeals process was slow and opaque.
- A.K. — 19/08/2022 — Customer service reps I spoke with were polite and knowledgeable, yet multiple policy changes at renewal left my older dog with less coverage despite higher premiums.
Contact Pet plus us
| Pet plus us Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Member portal for existing customers: portal.petsplusus.com. Other online subscription channels for new customers: N.C. |
| To request and track a reimbursement | Pets Plus Us operates on a reimbursement model: you pay the veterinarian first and submit a claim. Claims can be submitted and tracked via the member portal, by email to submissions@petsplusus.com, or by postal mail to the claims address. Required documents typically include the itemized veterinary invoice and supporting medical records; pre-approval (estimate and records) is required for treatments estimated over $1,000. Claims must be submitted within 180 days of treatment. Reimbursement is normally issued to the policyholder, although direct payment to the veterinarian can be arranged in some cases. |
| To obtain a certificate of insurance | Channels available to request documentation: member portal, general email info@petsplusus.com, or toll‑free phone 1‑800‑364‑8422. Procedure to request a certificate of insurance: N.C. Information required to process the request: N.C. |
| To contact assistance | Member portal. Toll‑free phone: 1‑800‑364‑8422. General enquiries email: info@petsplusus.com. Claims submissions email: submissions@petsplusus.com. Postal address: PTZ Insurance Services Ltd., 710 Dorval Drive, Suite 400, Oakville, ON L6K 3V7. |
| To cancel my policy | Official cancellation procedure and timelines: N.C. How to submit a cancellation request: N.C. Information required for cancellation and refund conditions: N.C.; you may contact customer service via the member portal, phone (1‑800‑364‑8422) or general email (info@petsplusus.com) to enquire about cancellation options and any applicable refunds. |
Toll‑free phone: 1‑800‑364‑8422. General enquiries email: info@petsplusus.com. Claims submissions email: submissions@petsplusus.com. Postal address: PTZ Insurance Services Ltd., 710 Dorval Drive, Suite 400, Oakville, ON L6K 3V7.
FAQ
Do I have to pay upfront for veterinary fees with Pet plus us?
Pet plus us operates primarily on a reimbursement model: you normally pay the vet at point of service and submit a claim for reimbursement. In many cases a reimbursement cheque is issued to the policyholder, but Pets Plus Us can arrange for a cheque to be sent directly to the veterinarian in some situations. For treatments estimated over $1,000 you can request pre‑approval which helps confirm coverage and may assist with direct‑pay arrangements. If a clinic offers direct billing with the insurer check with claims first to confirm any arrangement; exact clinic participation is N.C.
How do I cancel my pet insurance policy with Pet plus us?
To cancel, contact Pet plus us via the member portal (portal.petsplusus.com), toll‑free phone or email to request policy termination and provide your policy number and pet details. State the requested effective cancellation date and ask for written confirmation of the termination and any refund or pro‑rata premium adjustment. Specific notice periods, refund calculations and any administrative fees are N.C. Retain the confirmation and review your final statement to ensure any premium refund or charge is correct.
What are the waiting periods for accident and illness coverage?
The standard waiting periods are 48 hours for accidents and 14 days for illnesses from the policy start date. Certain conditions (dental, cruciate ligament injuries, IVDD) may have longer waits or be treated under special rules; some musculoskeletal issues are always classed as illnesses and follow the illness wait. If a condition shows signs before the end of the waiting period it will be treated as pre‑existing and excluded. Check your Summary of Coverage for exact effective dates and any plan‑specific exceptions.
What reimbursement rate and deductible apply to my claims?
Your reimbursement percentage is shown on the Summary of Coverage; the user guide example uses 80% (you pay 20%). The annual deductible listed on your policy is applied once per policy year and is subtracted before the reimbursement calculation. Calculation order: eligible charges – deductible = eligible balance; eligible balance × reimbursement % = payable benefit. Some plans or claim histories may have specific co‑insurance rules; confirm your exact rates on your policy.
What annual limits and benefit caps should I expect?
You choose an annual coverage limit when you buy the policy (examples in the guide include $7,500 or $15,000) and that limit renews each year. Several benefits have separate maximums (e.g., prescription food, rehab, medical devices, emergency boarding) which do not count toward the main annual limit. Once your annual limit for the policy year is reached, additional eligible expenses are your responsibility. See the Schedule of Maximum Amounts and your Summary of Coverage for precise caps.
How do I submit and track a claim with Pet plus us?
Submit claims online via the member portal (portal.petsplusus.com) for fastest processing, or by email to submissions@petsplusus.com, fax, or postal mail to the address provided in your policy. Include a completed claim form, the itemized veterinary invoice and any supporting medical records to avoid delays. Claims must be submitted within 180 days of treatment; late submissions may be excluded. Track status in the portal and expect reimbursement to the policyholder, although a direct‑to‑vet cheque can be arranged in some cases; contact claims for details.
Do I have to pay upfront for veterinary fees with Pet plus us?
Pet plus us operates primarily on a reimbursement model: you normally pay the vet at point of service and submit a claim for reimbursement. In many cases a reimbursement cheque is issued to the policyholder, but Pets Plus Us can arrange for a cheque to be sent directly to the veterinarian in some situations. For treatments estimated over $1,000 you can request pre‑approval which helps confirm coverage and may assist with direct‑pay arrangements. If a clinic offers direct billing with the insurer check with claims first to confirm any arrangement; exact clinic participation is N.C.
How do I cancel my pet insurance policy with Pet plus us?
To cancel, contact Pet plus us via the member portal (portal.petsplusus.com), toll‑free phone or email to request policy termination and provide your policy number and pet details. State the requested effective cancellation date and ask for written confirmation of the termination and any refund or pro‑rata premium adjustment. Specific notice periods, refund calculations and any administrative fees are N.C. Retain the confirmation and review your final statement to ensure any premium refund or charge is correct.
What are the waiting periods for accident and illness coverage?
The standard waiting periods are 48 hours for accidents and 14 days for illnesses from the policy start date. Certain conditions (dental, cruciate ligament injuries, IVDD) may have longer waits or be treated under special rules; some musculoskeletal issues are always classed as illnesses and follow the illness wait. If a condition shows signs before the end of the waiting period it will be treated as pre‑existing and excluded. Check your Summary of Coverage for exact effective dates and any plan‑specific exceptions.
What reimbursement rate and deductible apply to my claims?
Your reimbursement percentage is shown on the Summary of Coverage; the user guide example uses 80% (you pay 20%). The annual deductible listed on your policy is applied once per policy year and is subtracted before the reimbursement calculation. Calculation order: eligible charges – deductible = eligible balance; eligible balance × reimbursement % = payable benefit. Some plans or claim histories may have specific co‑insurance rules; confirm your exact rates on your policy.
What annual limits and benefit caps should I expect?
You choose an annual coverage limit when you buy the policy (examples in the guide include $7,500 or $15,000) and that limit renews each year. Several benefits have separate maximums (e.g., prescription food, rehab, medical devices, emergency boarding) which do not count toward the main annual limit. Once your annual limit for the policy year is reached, additional eligible expenses are your responsibility. See the Schedule of Maximum Amounts and your Summary of Coverage for precise caps.
How do I submit and track a claim with Pet plus us?
Submit claims online via the member portal (portal.petsplusus.com) for fastest processing, or by email to submissions@petsplusus.com, fax, or postal mail to the address provided in your policy. Include a completed claim form, the itemized veterinary invoice and any supporting medical records to avoid delays. Claims must be submitted within 180 days of treatment; late submissions may be excluded. Track status in the portal and expect reimbursement to the policyholder, although a direct‑to‑vet cheque can be arranged in some cases; contact claims for details.
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