Pets Plus Us pet insurance in Canada

2 plans. Facts checked against Pets Plus Us's own policy documents and website (reviewed 2026-05-19). We're independent and earn no commission.

A good fit if

✓ you want exam fees covered
✓ you're insuring an older pet

Look elsewhere if

✕ dental disease coverage matters to you

Pets Plus Us

Accident

Accident-only coverage for injuries — a low-cost safety net that excludes illness.

$ BudgetAccident only

Reimburses: 80%
Annual limit: $5,000
Deductible: Annual
Exam fees: Covered
Accident wait: 2 days
Illness wait: none

Deductible: Annual deductible, paid once per policy year.
Annual limit: Around $5,000 per policy year for accident claims.
Dental: No dental coverage on the accident-only plan.
Alternative therapy: Alternative therapies are covered on the Accident & Illness plan, not this one.
Wellness: The FlexCare wellness add-on is only available on the Accident & Illness plan.
Waiting periods: Accidents 2 days, illness none.
Eligibility: No maximum enrollment age. Minimum age 7 weeks. Sold in every province.
Multi-pet discount: 5%
Underwriter: Northbridge General Insurance Corporation (admin: PTZ Insurance Services)

Good to know

•Lowest-cost way to cover unexpected injuries
•Sold across Canada, including Quebec
•Vet exam fees included
•No maximum enrollment age

Watch out for

!Illness, cancer and chronic conditions are NOT covered
!Reimbursement model — you pay the vet, then claim back
!No dental coverage

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Sources

Pets Plus Us

Accident & Illness

Comprehensive coverage with a choice of reimbursement rate and a built-in alternative-therapy benefit.

$$ Mid-rangeAccident & illness

Reimburses: 70/80/90%
Annual limit: $15,000
Deductible: Annual
Exam fees: Covered
Accident wait: 2 days
Illness wait: 14 days

Deductible: Annual deductible, $100–$500, set by your pet's species and age.
Annual limit: Choose $7,500 or $15,000 per policy year. Renews yearly; no lifetime cap.
Dental: Dental is excluded under Accident & Illness — even an accidentally fractured tooth gets only an extraction. Routine cleanings only via the FlexCare add-on.
Alternative therapy: Acupuncture, chiropractic, hydrotherapy, massage, physiotherapy and laser therapy covered when vet-prescribed.
Wellness: Optional FlexCare wellness add-on covers routine exams, vaccines and dental cleanings.
Waiting periods: Accidents 2 days, illness 14 days. Cruciate/orthopedic is treated as standard illness — 14-day wait, no special orthopedic delay.
Eligibility: No maximum enrollment age. Minimum age 7 weeks. Sold in every province.
Multi-pet discount: 5%
Underwriter: Northbridge General Insurance Corporation (admin: PTZ Insurance Services)

Good to know

•Pick your reimbursement: 70%, 80% or 90%
•Vet exam fees covered
•Alternative & behavioural therapies built in
•Sold nationwide, including Quebec
•CAA members get roughly 13.5% off this exact plan

Watch out for

!Dental disease and dental fractures are NOT covered (FlexCare add-on covers cleanings only)
!Reimbursement model — pay the vet, then claim
!Annual payout caps at $7,500 or $15,000
!After 3 similar 'preventable' incidents (e.g. quills, foreign-body), further such claims are denied

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Pets Plus Us: common questions

Does Pets Plus Us cover vet exam fees?

Yes. Exam fees for covered conditions are reimbursed.

How much does Pets Plus Us reimburse?

70%, 80%, 90% of eligible costs after the deductible. Annual deductible, $100–$500, set by your pet's species and age.

Is there an annual limit with Pets Plus Us?

Choose $7,500 or $15,000 per policy year. Renews yearly; no lifetime cap.

Does Pets Plus Us cover dental?

Dental is excluded under Accident & Illness — even an accidentally fractured tooth gets only an extraction. Routine cleanings only via the FlexCare add-on.

What are Pets Plus Us's waiting periods?

Accidents: 2 days; illness: 14 days. Cruciate/orthopedic is treated as standard illness — 14-day wait, no special orthopedic delay.

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Other Canadian insurers

Trupanion · Petsecure · Sonnet · OVMA Pet Insurance · Furkin · PHI Direct · Fetch · Desjardins · Spot