Petsecure
Nov 11, 2025
9.0
9.0
BestMoney Score
Cost
8.9
Experience
9.1
Flexibility
9.0
Support
9.0
BestMoney User Recommendation
BestMoney.ca User Rating
BestMoney users do not recommend this product giving it a score of -47, or 2.1 stars.
The recommendation score shows how satisfied customers are with a provider. A perfect +100 means all customers recommend it, while -100 means no one does. These ratings come solely from community votes and are never affected by partner payments. BestMoney also monitors and removes fraudulent reviews once identified.
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Pet Plus Us
BestMoney.ca's take: Pets Plus Us offers flexible, comprehensive pet insurance for dogs and cats in Canada, with high coverage limits and optional wellness care though premiums can be steep for older pets or top-tier plans.
Pet Plus Us Features
Accidents, illnesses & vet services
Covers diagnostics, surgery, hospitalization, medications, etc.
No breed or age restrictions
Benefits guaranteed to renew every year for the pet’s lifetime
Wellness and extra perks
Access poison helpline, 24/7 customer/tele-vet support, lost-pet advertising
Customisable plan levels
Choose reimbursement levels (70%/80%/90%)
If you’re in search of pet insurance in Canada, Pets Plus Us offers flexible coverage options that can suit various needs.
This ranges from accident-only plans to more comprehensive accident and illness protections with benefits up to $15,000 annually.
Their plans cover major expenses like diagnostics, surgeries, and medications, plus extras such as 24/7 telehealth and poison helplines.
However, this Pets Plus Us review will show you the limitations to their services and how they could affect you over time too.
Pets Plus Us overview
Pets Plus Us offers flexible pet insurance plans tailored to cover veterinary costs arising from accidents, illnesses, and optional routine care, helping you manage unexpected medical expenses while supporting your pet’s overall health.
In this Pets Plus Us review, you’ll find plans with annual limits up to $15,000, covering consultations, surgeries, hospital stays, and emergency care. You’ll equally get access to Blue Ribbon Benefits like 24/7 telehealth and poison control. The Flex Care add-on handles routine needs such as vaccines and dental care.
In case you’re wondering, how much does Pets Plus Us pet insurance cost? It varies by pet type. It’s also dependent on the coverage chosen and location. However, CAA members get a 13.5% discount, making it cost-effective and comprehensive for peace of mind.
Pets Plus Us products and services
Pets Plus Us offers solid coverage for both accidents and illnesses, Blue Ribbon Benefits and Flex Care for dogs and cats in Canada.
Accidents and illness
Pets Plus Us’ Accident & Illness plan is designed to shield you from the shock of high vet bills. It covers diagnostics, surgeries, medications, hospitalizations, and even specialist referrals, so your pet gets the care they need, fast.
You choose annual coverage up to $15,000 (or $7,500), and Pets Plus Us pet insurance reimburses 70%, 80%, or 90% of eligible claims based on what works for your budget.
Whether it’s a laceration, fracture, or swallowed object, the plan has you covered, letting you focus on your pet’s recovery, not the cost.
With clear terms and a fast reimbursement process, you maintain control and freedom while ensuring your pet’s health.
Accidents
What happens if your pet suddenly breaks a bone or swallows something hazardous? Pets Plus Us’s Accident Coverage plan steps in, offering financial help for injuries like fractures, cuts, and ingestion of foreign objects.
You get reimbursed for a broad range of veterinary expenses. This includes diagnostics, surgery, medication, hospitalization, and specialist visits, up to an annual limit of $5,000.
Coverage kicks in after a 48-hour waiting period, giving you quick protection against unexpected accidents without covering pre-existing conditions.
This plan is ideal for pets prone to accidents and lets you choose your preferred vet. Managing vet bills becomes easier, so you can focus on your pet’s recovery instead of the cost.
Blue ribbon
Accidents like broken bones and swallowing hazards can lead to costly treatments, but Pets Plus Us also offers valuable support beyond insurance coverage.
Their Blue Ribbon Benefits provide you with helpful services such as convenient telehealth consultations, so you can get veterinary advice whenever you need it without leaving home.
You also gain 24/7 access to the Pet Poison Helpline, offering immediate assistance if your pet ingests something harmful.
To support you emotionally, bereavement counseling helps manage the difficult experience of losing a pet. Plus, you get access to learning resources that empower you with knowledge to better care for your pet’s health.
Wellness
Planning for your pet’s ongoing health is crucial, and Pets Plus Us offers several wellness-focused products and services to support this goal.
The Flex Care add-on reimburses routine preventive treatments like annual exams, vaccines, flea and tick prevention, nail trimming, and dental care. This helps you spread the cost of these essential services over 12 months, making budgeting easier.
Flex Care also covers seasonal care needs to prevent illnesses before they start. While it supports proactive pet health management, it’s important to note this add-on isn’t available in Quebec but integrates with accident and illness plans in other regions.
When considering how much does Pets Plus Us pet insurance cost, several factors significantly impact your premiums. These include your pet’s species and age, along with the specific coverage plan and geographic location you choose.
The annual deductible you select ranges from $100 to $700 and generally increases as your pet ages. Beyond the deductible, you can choose between Accident Only coverage capped at $5,000 per year.
Alternatively, more comprehensive Accident and Illness plans offer limits of either $7,500 or $15,000 annually.
Each plan gives you control over your reimbursement level after your deductible is met. You can select whether Pets Plus Us covers 70%, 80%, or 90% of eligible veterinary bills. This flexibility lets you balance your monthly premium against your potential out-of-pocket expenses.
If you are a Canadian Automobile Association member, you will receive a 13.5% discount on all policies. This member benefit adds even more value to coverage that already fits your pet’s needs and budget.
How does Pets Plus Us operate
Pets Plus Us operates by providing flexible pet insurance plans underwritten by Northbridge General Insurance Corporation. They cover all Canadian provinces and territories except Quebec for Flex Care.
You get options tailored to your pet’s health needs, whether for accidents, illnesses, or preventive care. Annual coverage limits of up to $15,000 for accidents and illnesses, with a separate $5,000 accident-only option. Fast claims process with responsive customer service, plus educational materials and 24/7 poison-control support.
Pets Plus Us benefits
Pets Plus Us offers comprehensive coverage for veterinary services, including consultations, surgeries, and emergency care. This Pets Plus Us review highlights these key advantages.
Wide range of veterinary services covered
Pets Plus Us Accident and Illness coverage provides up to $15,000 annually for veterinary services. This includes diagnostics, surgeries, medications, hospitalization, and specialist consultations.
You get treatment coverage for accidents like broken bones, cuts, and swallowed foreign objects.
The plan also covers illness management, including diagnosis and treatment for serious conditions like cancer and arthritis.
Emergency hospitalization is included for urgent care and stabilization when your pet needs immediate help. These services give you peace of mind so you can focus on your pet’s recovery without worrying about costs.
Educational resources and support materials
Pets Plus Us goes beyond just covering veterinary costs by providing education and helpful resources.
You get access to comprehensive guides and easy to understand policy examples that clearly explain insurance terms and exclusions. Through Blue Ribbon Benefits, you have free 24/7 access to the Pet Poison Helpline for expert emergency advice.
Additional resources include telehealth consultations and bereavement counseling that offer both practical help and emotional support during difficult times.
The company also provides online content about responsible pet ownership and community engagement to keep you empowered and confident.
Quick and easy claims process
Pets Plus Us makes the claims process simple so you can focus on your pet’s health instead of paperwork. Their responsive agents guide you smoothly through every step of the process without confusion.
Claim submissions are quick and easy, even for complex cases like biopsy results that reduce administrative hassle. Fast refunds provide timely reimbursements to ease your financial worries about veterinary bills.
All breeds accepted without restrictions
Pets Plus Us accepts all dog and cat breeds without any restrictions or exclusions. Even breeds considered high risk, like pit bulls or German shepherds, qualify for full coverage.
Both Accident and Illness plans and Accident Only plans are available without fear of denial based on breed.
Pros and cons of Pets Plus Us
Here are the pros and cons of Pets Plus Us:
Pros of Pet Plus Us
- Flexible coverage options: Annual limits up to $15,000 allow you to tailor protection for accidents and illnesses based on your pet’s needs and budget.
- Free Blue Ribbon Benefits: Includes 24/7 telehealth consultations, pet poison control helpline, and bereavement support.
- No age restrictions: There is no upper age limit, so you can enroll and protect your senior pets against new health issues.
- CAA member discount: Canadian Automobile Association members receive a 13.5% discount on all policies, making coverage more affordable.
- Quick claims process: Fast and easy claim submissions with quick refunds reduce stress during difficult times.
- Comprehensive coverage: Includes diagnostics, surgeries, medications, hospitalizations, and emergency care for complete protection.
- All breeds accepted: No breed exclusions or restrictions, so every dog and cat qualifies for coverage.
Cons of Pet Plus Us
- Pre-existing conditions excluded: Any health issues that began before enrollment are not covered, leaving you liable for those ongoing treatment costs.
- Cost sharing required: You pay your share based on your chosen reimbursement rate (10%, 20%, or 30%) plus your annual deductible.
- Annual payout limits: The maximum coverage limit may not cover extensive or prolonged treatments for severe cases.
- Quebec restrictions: Flex Care wellness add-on is unavailable in Quebec, limiting access to routine care coverage for residents.
- Waiting periods apply: Coverage starts 48 hours after enrollment for accidents and 14 days for illnesses, delaying immediate financial assistance.
Alternatives to Pets Plus Us
If you’re exploring alternatives to Pets Plus Us, consider plans like Trupanion, Spot, and Fetch, which offer different coverage options and annual limits.
Comparing these options can help you find a plan that fits your budget and offers the coverage you want.
Trupanion
Trupanion offers a strong alternative to Pets Plus Us by providing unlimited lifetime coverage for veterinary expenses related to accidents and illnesses, without annual payout limits.
You choose your deductible, ranging from $0 to $1,000, with lower deductibles raising your monthly premium.
Trupanion reimburses up to 90% of eligible bills after your deductible, and you’re covered for hereditary and congenital conditions from day one, as long as they aren’t pre-existing.
There’s no upper age limit for enrollment, and you can add coverage for rehab, alternative therapies, or even third-party property damage.
Trupanion pays veterinarians directly, cutting off the inconvenience of waiting for reimbursements after a vet visit.
Spot
Spot Pet Insurance stands out as a flexible alternative to Pets Plus Us by letting you customize reimbursement rates at 70%, 80%, or 90% after a deductible, tailoring your plan to fit your budget.
You get coverage for accidents and illnesses with annual limits up to $10,000, including diagnostics, surgeries, and medications.
Spot covers pets of all ages with no upper age limit, just like Pets Plus Us, but requires a 14-day waiting period for illness coverage.
Beyond insurance, Spot offers 24/7 vet chat support and optional add-ons for routine care like vaccines and dental.
This makes Spot a good choice if you want control over your coverage and access to extra resources, all while managing costs effectively.
Fetch
Fetch Pet Insurance offers a competitive alternative to Pets Plus Us with comprehensive accident and illness coverage. The company provides adjustable annual limits and varying deductible options to fit different budgets.
Fetch offers annual payout limits ranging from $5,000 to $15,000, similar to Pets Plus Us coverage tiers. Deductible choices start as low as $25, giving you more control over your out-of-pocket costs upfront.
Reimbursement rates go up to 90% of eligible veterinary bills after your deductible is met. The claims process is simple and quick, with many submissions done directly via your phone at the vet’s office for added convenience.
However, Fetch has some key differences compared to Pets Plus Us. Unlike Pets Plus Us, Fetch may not include wellness coverage as a standard add-on option.
Free benefits like 24/7 telehealth services and pet poison helplines are also not typically included with Fetch policies. Consider what matters most for your pet’s care when choosing between these two providers.
Conclusion to our Pet Plus Us review
When considering how much Pets Plus Us pet insurance costs and whether it’s the right choice, this Pets Plus Us review confirms the platform gives you flexible, affordable coverage with plans for accidents, illnesses, and routine care add-ons.
You get up to $15,000 annually for vet diagnostics and treatments, plus 24/7 telehealth and poison helpline benefits. It’s available for all ages, though pre-existing conditions and some features are excluded in Quebec.
If you want solid pet insurance tailored to your pet’s needs, Pets Plus Us is a reliable option to protect your furry friend without breaking your budget.
Thanks for checking out our Pet Plus Us review. Here’s where you can find lots of pet insurance companies compared in one place.
Pet Plus Us Details
Pet Plus Us Contact Info
+1-800-364-8422
Mon - Fri, 8:00 AM – 8:00 PM EST
Suite 400, 710 Dorval Drive, Oakville, Ontario, Canada L6K 3V7
info@petsplusus.com
Pet Plus Us Community Reviews
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BestMoney.ca User Rating
BestMoney users do not recommend this product giving it a score of -47, or 2.1 stars.
The recommendation score shows how satisfied customers are with a provider. A perfect +100 means all customers recommend it, while -100 means no one does. These ratings come solely from community votes and are never affected by partner payments. BestMoney also monitors and removes fraudulent reviews once identified.
