Pet plus us Pet Insurance 2025: Canadian Review, Coverage & Costs

Our expert's opinion on Pet plus us

Last update: June 21, 2025

Discover the offer

2.5

Score

2.5

Score

Daniel Clarke

Personal finance expert

Pets Plus Us provides customizable Accident & Illness pet insurance for cats and dogs across Canada, with annual coverage limits (no lifetime cap), reimbursement-based claims, and sublimits for devices and prescription food, but lacks coverage for wellness or pre-existing conditions.
The insurer offers a traditional choice of annual deductibles, 20% coinsurance (“Your Share”) and annual reimbursement caps, with wellness expenses and routine care excluded, differentiating itself from some rivals through generous travel, boarding, and end-of-life benefits, although aggressive annual premium and deductible increases make its pricing less stable than most top-rated competitors.
Pets Plus Us may be best suited for owners of young or middle-aged pets without pre-existing conditions and those prioritizing customizable annual limits over high reimbursements or premium predictability.
Underwritten by Northbridge General Insurance (a major Canadian insurer with substantial national premium volumes), Pets Plus Us scores poorly on Trustpilot (2.2/5, 132 reviews) due to frequent complaints of steep premium/deductible hikes, exclusions, and claim denials; a minority of reviews note fast claim payouts—some processed within a week—especially for clear, covered conditions.

Pros

• ✅Customizable annual limits and deductible options
• ✅Wide accident and illness coverage post-waiting periods
• ✅No lifetime cap; annual limits reset each year
• ✅Includes alternative/behavioural therapies if prescribed
• ✅Travel, boarding, and end-of-life benefits included
• ✅Direct deposit and digital claim submission available
• ✅Underwritten by stable national insurer (Northbridge)

Cons

• ❌Very frequent and sharp premium/deductible increases
• ❌Extensive pre-existing and breed-prone exclusions
• ❌Wellness and preventive care not covered
• ❌Strict limitations and exclusions for senior pets
• ❌Poor Trustpilot rating (2.2/5 from 132 reviews)

ProsCons

• ✅Customizable annual limits and deductible options
• ✅Wide accident and illness coverage post-waiting periods
• ✅No lifetime cap; annual limits reset each year
• ✅Includes alternative/behavioural therapies if prescribed
• ✅Travel, boarding, and end-of-life benefits included
• ✅Direct deposit and digital claim submission available
• ✅Underwritten by stable national insurer (Northbridge)

Our expert's opinion on Pet plus us

Last update: June 21, 2025

Daniel Clarke

Personal finance expert

Discover the offer

2.5

Score

2.5

Score

Pets Plus Us provides customizable Accident & Illness pet insurance for cats and dogs across Canada, with annual coverage limits (no lifetime cap), reimbursement-based claims, and sublimits for devices and prescription food, but lacks coverage for wellness or pre-existing conditions.
The insurer offers a traditional choice of annual deductibles, 20% coinsurance (“Your Share”) and annual reimbursement caps, with wellness expenses and routine care excluded, differentiating itself from some rivals through generous travel, boarding, and end-of-life benefits, although aggressive annual premium and deductible increases make its pricing less stable than most top-rated competitors.
Pets Plus Us may be best suited for owners of young or middle-aged pets without pre-existing conditions and those prioritizing customizable annual limits over high reimbursements or premium predictability.
Underwritten by Northbridge General Insurance (a major Canadian insurer with substantial national premium volumes), Pets Plus Us scores poorly on Trustpilot (2.2/5, 132 reviews) due to frequent complaints of steep premium/deductible hikes, exclusions, and claim denials; a minority of reviews note fast claim payouts—some processed within a week—especially for clear, covered conditions.

Pros

• ✅Customizable annual limits and deductible options
• ✅Wide accident and illness coverage post-waiting periods
• ✅No lifetime cap; annual limits reset each year
• ✅Includes alternative/behavioural therapies if prescribed
• ✅Travel, boarding, and end-of-life benefits included
• ✅Direct deposit and digital claim submission available
• ✅Underwritten by stable national insurer (Northbridge)

Cons

• ❌Very frequent and sharp premium/deductible increases
• ❌Extensive pre-existing and breed-prone exclusions
• ❌Wellness and preventive care not covered
• ❌Strict limitations and exclusions for senior pets
• ❌Poor Trustpilot rating (2.2/5 from 132 reviews)

ProsCons

• ✅Customizable annual limits and deductible options
• ✅Wide accident and illness coverage post-waiting periods
• ✅No lifetime cap; annual limits reset each year
• ✅Includes alternative/behavioural therapies if prescribed
• ✅Travel, boarding, and end-of-life benefits included
• ✅Direct deposit and digital claim submission available
• ✅Underwritten by stable national insurer (Northbridge)

Discover the offer

Why Trust HelloSafe?

At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies available in the Canadian market every year to provide you with a reliable and objective analysis. Thanks to this thorough approach, hundreds of thousands of Canadians trust us each month to guide them through their most important financial decisions.

Pets Plus Us Coverages

Pets Plus Us provides accident & illness insurance for dogs and cats with customizable annual limits, a choice of reimbursement percentage (typically up to 80%), and an annual deductible that may vary depending on pet age or plan selection.
Wellness, routine, and preventive care—including exams, vaccines, spay/neuter, and dental cleanings—are not included, while coverage for vet consultations, diagnostics, surgeries, and medication is broad but subject to waiting periods and exclusions for pre-existing and bilateral conditions.

Strengths include flexible limits and some non-medical benefits (boarding, trip interruption, missing pet advertising), plus support for alternative therapies prescribed by a vet.

Weaknesses are significant exclusions for anything routine, dental (except accidental injury), pre-existing issues, and a lack of direct reimbursement (owners must pay up front and submit claims).

Good to know Deductible and reimbursement percentage may change upon annual renewal, especially as pets age. Claims for pre-existing, preventable, or bilateral conditions may not be eligible, and full medical history is required for all enrollments.

Compare plans to find the lowest rate and coverage that matches your pet’s needs.

Pet Plus Us Exclusions

Pets Plus Us applies comprehensive exclusions typical for Canadian pet insurance, such as all pre-existing conditions (including any noted symptoms before coverage or during waiting periods) and strict denial of all routine, wellness, and preventive care (exams, vaccines, spay/neuter, and dental cleanings are never reimbursed).
Notably, dental coverage is restricted to accidental extraction of a healthy tooth due to a witnessed trauma—regular dental disease and cleaning are always excluded, which is stricter than some competitors. Bilateral conditions are also rigorously excluded from both sides if present or symptomatic on one side pre-enrollment or during the waiting period.
Any reproductive services or complications, experimental treatments, elective or cosmetic procedures, and injuries resulting from owner negligence are ineligible for reimbursement. Other notable exclusions include travel-related medical care outside Canada/USA, commercial/working pet claims, and multi-policy duplication.

Pets Plus Us Prices

Pet Plus Us occupies a mid-range position in the Canadian market, offering customizable accident and illness plans with broad veterinary coverage, moderate reimbursement levels, and flexible deductibles.

The annual benefit limits are typical for the segment, and most high-cost veterinary items—such as diagnostics, hospitalization, prescription medications, and select alternative therapies—are included, though routine and wellness care as well as comprehensive dental remain excluded.

Pricing is generally balanced relative to the breadth of included services, though premium escalations and rising deductibles with pet age can erode value over time compared to some digital-first or low-cost competitors.

While a digital claims and member portal is available, Pet Plus Us is not a pure digital player, so it doesn’t offer the lowest-cost pricing but provides human support and established reliability.

Overall, Pet Plus Us is suited for pet owners seeking dependable, substantial protection and value, landing between entry-level and premium insurers.

Compare Pet Plus Us plans to find the right balance of monthly cost and coverage for your pet.

Pets Plus Us Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

Pet Plus Us: Understanding Your Reimbursement

With Pet plus us, you pay your annual deductible once per policy year, then 20% of remaining eligible veterinary costs—the rest (80%) is reimbursed directly to you up to your annual plan limit.

✅ Example 1: Emergency surgery for intestinal blockage (dog)
Total veterinary cost: $3,500 (exam, X-rays, surgery, anesthesia, hospitalization, medications)
Deductible amount to subtract: $100 (annual deductible, applies to the first claim of the year) Amount reimbursable after deductible: $3,500 – $100 = $3,400
80% of that amount reimbursed: $3,400 × 80% = $2,720
👉 You receive a reimbursement of $2,720.
ℹ️ After you meet your deductible, only co-insurance (your share) applies for the rest of the year, making future claims even more affordable.

✅ Example 2: Recurring ear infection (cat)
Total veterinary cost: $450 (consultation, diagnostics, ear treatment, meds)
Deductible already met earlier in the policy year 80% reimbursed: $450 × 80% = $360
👉 You receive a reimbursement of $360.
ℹ️ At this point in the year, your costs for eligible illnesses are just your 20% “your share”—no more deductible until renewal.

✅ Example 3: Accidental tooth fracture (dog)
Total veterinary cost: $950 (consult, X-ray, extraction, anesthesia)
Deductible already paid earlier in the year 80% reimbursed: $950 × 80% = $760
👉 You receive a reimbursement of $760.
ℹ️Only extractions for healthy teeth fractured accidentally are covered—regular dental cleaning or disease is not eligible under this policy.

Pets Plus Us Assistance

Pets Plus Us stands out with a competitive range of assistance features, notably providing digital claims submission and comprehensive telephone support for policy management.

While the absence of upfront payment options or a dedicated mobile app could be inconvenient for tech-savvy clients seeking instant management or in-clinic financial relief, the flexible online portal ensures most claim services remain efficient and paperless.

The company does not offer a 24/7 veterinary teleconsultation or emergency advice line, which can be a limitation for pet owners worried about after-hours health events.

No partnered vet/clinic network is in place—pet owners may visit any licensed veterinarian in Canada or the USA, which is a valued form of freedom but lacks cost savings linked to preferred networks.

International coverage is restricted to Canada and the United States, and reimbursement is made in CAD without conversion fees, providing financial clarity for eligible cross-border treatments.

Customer Reviews of Pet Plus Us

We analyzed reviews from the site listed above.

• An efficient claim processing experience, with some reimbursements deposited within a week of submission.
• A perception of comprehensive coverage, especially for chronic conditions or allergies, when claims are approved.
• Interactions with polite and supportive customer service agents are positively noted in several cases.
• A sense of peace of mind is valued by owners facing high or unexpected veterinary bills.
• A segment of users reports timely payments and express high satisfaction with the claims process.

• A steep and sometimes unexpected increase in premiums and deductibles, especially as pets age, is a major criticism.
• A high rate of claim denials due to the strict definition of pre-existing conditions frustrates many users.
• Frequent changes in policy terms, plan downgrades for older pets, and cancellations are reported by long-term clients.
• Delayed or unresponsive customer service and technical issues with the online portal are commonly cited complaints.
• Some users experience significant delays in receiving refunds for cancelled policies or clarity about benefit reductions.

Contact Pet Plus Us

FAQ

Daniel Clarke

Personal finance expert

Daniel is a Canadian personal finance expert passionate about making financial literacy more accessible to everyone. He holds a degree in Economics from the University of British Columbia and a Master’s in Financial Planning from York University. Before joining HelloSafe, he worked as a financial coach and content editor for a number of fintech platforms across Canada. At HelloSafe, Daniel writes clear and practical guides on insurance, credit, savings, and budgeting—always with the goal of helping readers make confident and informed money decisions.