Is Pets Plus Us pet insurance the best? Review 2023

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Alexandre Desoutter updated on 28 June 2023

If you are a pet parent, you know vet bills can be substantial and usually come when you are least prepared for them. Pet insurance can be a real relief and help guarantee your ability to pay for quality care at the veterinarian.

Did you know the average cat owner in Canada spent nearly $2,800 in 2022 caring for their pet? For dog owners, this number was even higher at $3,500 and above. More generally, the cost of caring for an animal is increasing every year as per a study by team HelloSafe.

That's why it's important to have a good pet insurance. To help you, today we'll take you through Pets Plus Us Pet Insurance, what it has to offer, its pros and cons, prices, what makes it unique and why it may be right for you.

Our 2023 review of Pets Plus Us pet insurance

There are many pet insurance offers on the market: Trupanion, Figo, Fetch, Lemonade... But what is Pets Plus Us worth? Is it any good? Pets Plus Us pet insurance is a well-established company celebrating its 10th anniversary in 2023. Over the past decade, they have had a positive impact on the lives of 100,000 beloved pets.

So without further delay, let's dive straight into the best features, and also it's not so good points.

Pros of Pets Plus Us Pet Insurance

  • Blue Ribbon Care Line available for accidents such as poisoning
  • Emergency medical coverage
  • Three annual policy limits and deductibles
  • 24/7 PetHelpFone and Pet Poison Helpline
  • Wide range of treatments and conditions covered
  • Vet direct pay option available for expensive procedures
  • Multi-pet discount code
  • Diverse affiliate program

Cons of Pets Plus Us Pet Insurance

  • Site is not easy to navigate
  • Does not cover pre-existing conditions
  • No dental and wellness coverage
  • Age-based deductible as your pet gets older
  • Maximum coverage is $15,000

Compare quotes and options using our comparator below before choosing pet insurance with Pets Plus Us. A little shopping around can help you to save money and find the coverage that fits your needs.

Compare the best pet insurance plans on the market!

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What's Pet Plus Us coverage?

What does Pets Plus Us cover?

Pets Plus Us coverage varies depending on the plan you choose and the deductible you prefer.

You can choose between $7,500 and $15,000 in coverage to cover accidents with a deductible of between 70%, 80%, 90%.

Check out our chart to learn more:

CoverAccidentAccident and illness
$5,000$7,500 to $15,000
$7,500 or $15,000
Behavioural and Alternative Care
Up to policy limit
Wellness Care
Comparison of Pets Plus Us pet insurance plans

What does Pets Plus Us not cover?

PetsPlusUs' Accident & Illness Pet Insurance policy excludes dental care, reproductive health, experimental treatments, wellness/preventative care (unless Flex Care plan is added), pre-existing conditions (similar to other insurers), and conditions within waiting periods of 48 hours for accidents and 14 days for illnesses.

The Accident Insurance policy does not cover illnesses, routine preventive care, pre-existing conditions, non-accident-related issues, or accidents within the initial 48-hour waiting period.

How much does a policy with Pets Plus Us cost?

The price of pet insurance coverage with Pets Plus Us will vary depending on your unique situation.

For example, for a $5,000 accident-only coverage with a $100 deductible, your monthly premium will be around $22, and an annual cost of about $272.

Before settling on Pets Plus Us pet insurance, make sure to compare all the best offers currently on the market using our frre online tool below:

Compare the best pet insurance plans on the market!

Get a quote

How does Pets Plus Us pet insurance work?

How do I purchase a plan with Pets Plus Us?

If you would like to purchase a Pets Plus Us policy for your pet, you can do so online. All you need to do is fill out a quick form on their website on your dog or cat's age, breed, and get a quick quote right after.

You are eligible for a discount if you have a Costco membership so it's advisable to check with your insurer before you sign up for a policy.

As part of the Costco Pet Insurance, Executive Members get a 15% discount, while Gold Star and Business Members receive a 10% discount.

How much pet insurance do I need?

How much pet insurance you need will depend on many different factor. These include your pets:

  • Age
  • Sex
  • Breed
  • Existing health conditions
  • Current health

How do I file a claim with Pets Plus Us pet insurance?

In order to file a claim with Pets Plus Us, you can do so on their member portal. All you need to do is fill up a reimbursement form that can be found in PDF by login on the website and submit it with the required details to start your process.

You could also call them at 1-800-364-8422 for more details and assistance on the process in case you face any difficulties.

Make sure to submit your itemized bill from your vet.

How do I cancel my policy?

If you would like to proceed to the cancellation of your pet insurance policy, you can reach out to the customer service team at 1-800-364-8422 or write an email to [email protected].

Make sure to check with the team on cancelation upon renewal of your policy because some providers may charge additional fee for late cancelation.

Watch out!

However, canceling your policy might put your pet at risk of not having coverage and result in expensive vet fees should something arise. Besides, the cost of owning a pet, even if it's healthy, is generally quite high without pet insurance.

Can I transfer my Pets Plus Us policy?

You might find yourself in a situation where you would like to change your pet insurance provider, for example, to get a better deal. When doing so, there are some factors to take into consideration:

  • Difference in coverage - a medical condition may be considered a pre-existing condition to the new insurer at the time of enrolment, and, therefore, not being covered.
  • There may be an unavoidable waiting period before your new policy begins.
  • Immediate savings of a new policy may ultimately cost more in the long run - the cost of on-going treatment.

Good to know

Make sure to read the clause on pre-existing conditions before you sign up for the policy for pet insurance be it with Pets Plus Us or any other insurance provider.

How can I contact Pets Plus Us?

This is the best way to get in touch with Pets Plus Us:

  • Call their phone numer: 1-800-364-8422 Monday through Thursday 8:00am to 9:00pm, Friday 8:00am to 7:00pm
  • If it isn't urgent, you could also write to them at [email protected].
  • You can also login to your Pets Plus Us Customer's account.

It is important to choose the right policy that meets the needs of both your pet and yourself. This is to ensure that if a problem arises, it will be covered by your insurance. Take time to shop around and compare insurers by using our comparison tool:

Compare the best pet insurance plans on the market!

Get a quote
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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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