Pets Plus Us is a well-established Canadian comprehensive pet insurance brand with strong distribution (it's the brand behind several retail partnerships, including PC Insurance pet coverage). Here's the honest read on the policy and who it actually fits.
Coverage at a glance
| Feature | Pets Plus Us |
|---|---|
| Reimbursement rate | Tiered — typically 70%, 80%, or 90% (plan-dependent) |
| Annual payout cap | Capped — varies by plan tier |
| Deductible structure | Annual, customizable |
| Direct vet pay | No — reimbursement model |
| Waiting period (illness) | Plan-dependent — verify before enrolling |
| Wellness / routine care | Optional add-on |
| Hereditary / congenital conditions | Covered (subject to waiting periods) |
| Plan customization | Highest among major Canadian comprehensive insurers |
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Pros and cons
✓ What works
- Highest plan flexibility — tier your reimbursement and deductible to a specific monthly budget
- Optional wellness add-on for routine care coverage
- Strong Canadian brand presence with established distribution
- Multiple plan permutations make it easy to find a fit for tight budgets or premium coverage
- Hereditary and congenital conditions covered
✓ What doesn't
- Decision fatigue — many plan permutations can make comparing harder than a flat-structure insurer
- Capped annual payout means catastrophic events can exhaust coverage
- Reimbursement model — pay up-front, then submit for reimbursement
- Pricing varies meaningfully by plan tier; cheapest tiers expose you to large out-of-pocket on big bills
Who it's best for
- Owners who want to tune the plan precisely to fit a specific monthly budget
- Owners who want wellness coverage included via the add-on
- Owners comparing several plan permutations across insurers
- Multi-pet households where premium flexibility matters
Our verdict
Bottom Line
Pets Plus Us is the most flexible major Canadian comprehensive insurer. If you want to choose your reimbursement tier, deductible, and add-ons separately, it offers more configurability than Petsecure or Trupanion. The trade-off: more choices to evaluate, and the cheapest plan tiers can leave you significantly exposed on catastrophic events. Choose carefully at the plan-tier step — that's where the protection level is actually set.
Frequently asked questions
Is Pets Plus Us available across Canada?
Yes — Pets Plus Us is a Canadian-licensed insurer serving customers across the country.
What does the wellness add-on cover?
Routine items like vaccinations, dental cleaning, parasite prevention, and annual checkups, up to plan-specific limits. Verify the exact list and limits with Pets Plus Us — wellness details vary by tier.
Are hereditary conditions covered?
Yes — covered on comprehensive plans, provided no symptoms or diagnoses existed before enrollment and the waiting period has elapsed.
How does it compare to Trupanion?
Trupanion is a flat 90% reimbursement, unlimited annual payout, single-plan structure — simpler but less customizable. Pets Plus Us lets you tune the plan but has a capped annual payout. See our full comparison.
How does it compare to Petsecure?
Both are Canadian comprehensive insurers with optional wellness. Petsecure is more streamlined; Pets Plus Us is more configurable. See our full comparison.