Overall Rating: 4.0 / 5
Pets Plus Us is a Toronto-based pet insurer offering one of the most flexible plan structures in Canada. You can choose your reimbursement rate (70%, 80%, or 90%), your annual deductible (CAD $100–$1,000), and your annual limit (CAD $7,500 to unlimited). Its optional Flex Care add-on is rare in Canada — it covers vaccines, dental cleanings, and routine exams, bringing Pets Plus Us closer to a comprehensive pet health plan rather than emergency-only insurance.
| Category | Rating | Notes |
|---|---|---|
| Coverage breadth | 4/5 | Accidents, illness, hereditary — comprehensive |
| Price / value | 4/5 | Mid-range; Flex Care adds real value for active pet owners |
| Plan flexibility | 5/5 | Most flexible structure of Canadian providers |
| Claims experience | 3.5/5 | Standard reimbursement, 5–10 business days |
| Wellness coverage | 4.5/5 | Flex Care covers vaccines, dental cleaning, exams — unique in Canada |
Best for: Owners who want control over their deductible/reimbursement settings, and especially those who want preventive care and wellness visits included under one policy.
Not ideal for: Budget buyers who want the lowest possible premium and don't need wellness coverage, or those requiring direct vet payment at checkout.
Pets Plus Us Plans and Options
Pets Plus Us offers two main plan types:
| Plan | What's Covered | Annual Limit |
|---|---|---|
| Accident Only | Injuries from accidents only — no illness coverage | CAD $7,500 |
| Accident & Illness | Accidents + all illnesses + hereditary conditions | CAD $7,500 to Unlimited |
Customizable settings on Accident & Illness plan:
- Annual deductible: CAD $100 / $200 / $300 / $500 / $700 / $1,000
- Reimbursement rate: 70% / 80% / 90%
- Annual limit: CAD $7,500 / $15,000 / Unlimited
Flex Care Wellness Add-On
Flex Care is Pets Plus Us's optional preventive care add-on — one of the only wellness riders available in the Canadian pet insurance market. It reimburses routine and preventive care up to a set annual amount:
| Flex Care Level | Annual Benefit | What It Covers |
|---|---|---|
| Basic | CAD $150/year | Annual wellness exam, vaccines, heartworm test |
| Standard | CAD $300/year | Basic + dental cleaning, flea/tick prevention |
| Plus | CAD $500/year | Standard + spay/neuter, microchip, prescription food (limited) |
Flex Care is separate from your accident & illness plan — it reimburses directly from the wellness benefit pool and does not affect your main deductible or reimbursement rate. For owners who regularly spend CAD $300–$500/year on vet wellness visits, vaccines, and dental cleanings, the Flex Care add-on can effectively pay for itself.
CAD Pricing Estimates
Monthly premium estimates for Accident & Illness plan with CAD $200 deductible, 80% reimbursement:
| Annual Limit | Cat (domestic) | Dog (mixed, medium) | Golden Retriever |
|---|---|---|---|
| CAD $7,500 | ~CAD $22/mo | ~CAD $45/mo | ~CAD $65/mo |
| CAD $15,000 | ~CAD $28/mo | ~CAD $58/mo | ~CAD $80/mo |
| Unlimited | ~CAD $38/mo | ~CAD $75/mo | ~CAD $105/mo |
Adding Flex Care Standard adds approximately CAD $15–$25/month depending on the plan selected.
What Pets Plus Us Covers
- Accidents and injuries
- Illnesses — including cancer, diabetes, kidney disease
- Hereditary and congenital conditions (if not pre-existing)
- Surgery and hospitalization
- Diagnostics: bloodwork, urinalysis, X-rays, MRI, CT
- Prescription medications
- Specialist referrals
- Dental illness — tooth fractures, abscesses (Accident & Illness plan)
- Exam fees — included with eligible claims
Not covered (base plan): Routine wellness, dental cleaning, vaccines, pre-existing conditions, elective procedures, prescription food. Flex Care add-on covers many of these routine items separately.
Waiting Periods
- Accidents: 48 hours
- Illnesses: 14 days
- Cruciate ligament conditions: 6 months
- Dental illness: 6 months
Pros and Cons
| Pros | Cons |
|---|---|
| Most flexible plan structure in Canada | No direct vet payment |
| Flex Care wellness add-on available (unique in Canada) | 6-month waiting period for cruciate and dental |
| Up to 90% reimbursement | Annual deductible resets every year |
| Unlimited plan available | Not ideal for chronic condition pets vs Trupanion |
| Toronto-based Canadian company | Premiums increase significantly with age |
Frequently Asked Questions
Is Pets Plus Us a good pet insurance in Canada?
Yes — Pets Plus Us is particularly strong for owners who want plan flexibility and the option to include wellness/preventive care. Its Flex Care add-on is one of the only wellness riders available in Canada, making it stand out from Petsecure and Trupanion.
Does Pets Plus Us cover dental in Canada?
Dental illness (tooth fractures, infections, abscesses) is covered under the Accident & Illness plan after a 6-month waiting period. Routine dental cleanings are not covered by the main plan but can be reimbursed through the Flex Care Standard or Plus add-on.
How much does Pets Plus Us cost in Canada?
Roughly CAD $22–$38/month for cats and CAD $45–$105/month for dogs on the Accident & Illness plan with unlimited coverage, depending on age, breed, and province. Flex Care adds CAD $15–$25/month on top.