Review Time
Difficult to reach Quebec Representative and you have to leave a message and wait a few days to get a response. Errors with my premium and received an update that it increased from $86 to $850 per month, which was a gross error! You wait a long time to get reimbursed - 6+ weeks! There are other great providers of pet insurance - Furkin offers $20,000 annual coverage and the premiums are much lower.
I seldom write a review for company but I think this is my responsibility to share my experience with Pet Plus us to all the Pet owners out there, I purchased the pet insurance for my dog since she was a baby, first through PC president Choice, I am very happy with them, no issue for any claim. My dog is very healthy in general. Later on Pet Plus us took over PC insurance. They offer the same coverage and it seems ok at the beginning. Until my dog get older, despite her medical claim is very minimal, the insurance premium increase by $50-60 a month, from approx. $110 to $160 monthly, and them became $217 monthly just within 2 years period. Few months ago, we received another renewal noticed said the next renewal in Nov 2025, the insurance premium will be $499.00 per month which is 130 % increase. My dog was 14.5 years old at that time and this is the time that she needs the insurance protection the most, everyone agrees the fact that this insurance company is trying to make me cancel because they know when the dog get older, there may be more claims. They also know no one is going to pay $500 per month + $500 deductable yearly + 20% co-insurance and the owner either pay the ridiculous amount or cancel the policy. I was super upset and demand for explanation from Pet Plus us, all they said was they are no longer offer PC insurance coverage and we can lower the coverage amount with slightly lower premium. I was speechless, my family pay insurance for the whole life of my dog and when she needs it the most, this company do this to us. while I was thinking what to do as the insurance renewal date was approaching, my dog suddenly get very ill and she passed away in Oct, 2025 before the renewal date. While I am grieving for the passing of my dog, I thought I don't have to deal with Pet plus us anymore but this is not the end, now I still have to deal with them for the over charge premium fee they are owing me, they deducted one month premium after my dog pass away and they agree to refund them to me, it has been more than two months since my dog's passing , they still own me the money as of today Dec 23, 2025. I have to call them every few days and push. I am so frustrated therefore I decided to write this review and warning the Pet owners out there. Be careful and make the right choice when select the Pet insurance .
Been with this company for over 6 years. While I have a breed of dog that might require more visits, this has turned out not to be the case, but here I am and have just cancelled my policy.The payments for one dog (I have 2) is over $2400 per year for 90% reimbursement. What % you go for is neiother here nor there really. However what we forget is that now each year there is a $300 deductible (Over 6 years thats an additional 1800) on top of that they have co-pay so again something else you are absorbing beefore you get any assistance towards your dogs health costs. I have not claimed or received anywhere near that yet annual increases by far outpace inflation (improvements to drugs and research their usual excuse yet I have yet to see any benefits from this cutting edge wonderful world of veterinary improvements). On top of this they are exceedingly slow to process (their time frame is minimum 4 weeks) due to "volume" my arse!. erhaps they should take a little out of the research fund and put towards staffing quota's.I have canceled my policy and will go it alone. At least dealing directly with a vet there is no in-between taking their slice of the pie and just giving my pet just the crust and pertaining to be the real hero's in what they offer the public.Shop elsewhere or save your money for your pet and use as needed.And I have not even mentioned the appalling "My PetCloud Portal" they want us to use that does not even have my, my pets info policy numbers etc it is as though they dont want to make ANYTHING easy for the users and wont work on Safari, Google you can log in but not file a claim.
Not a very good pet insurance trust meYou pay each month but when your dog is sick and you try to get reinbursed they will go out of their way not to pay youAll of our doctors that have treated our dog agreed on her new health issue but Pets Plus Us says complete oppositeVery very bad stay awayGo with another company
Pets Plus Us increased my monthly premiums by almost 150% after paying into the policy for 12 years. This forced me to cancel my policy when I actually stared to need to use it for my aging dog. This company has no ethics. They’ll gladly take your money and then force you out when you need to use their services. I DO NOT recommend them.
I’ve never dealt with a company that hides behind confusing, over-engineered wording the way this pet insurance provider does. Every claim feels like a homework assignment — pages of “legal-sounding” policy language that only they seem to understand, and somehow every sentence ends up meaning “not covered.”I signed up expecting clear support for my pet. Instead, it feels like they’ve designed their policies to be as vague and technical as possible, so they can deny anything they want. Whenever I ask for clarification, I get a copy-and-paste paragraph that explains nothing and contradicts their own previous messages. It’s like they speak a different language.The worst part? The reps sound friendly, but they always redirect you back to the same impossible-to-decipher policy wording. It leaves you feeling tricked — like you’re paying monthly just to be told “no” in 12 paragraphs.If you want transparency, honesty, or even basic clarity, this is not the company for you. Save yourself the frustration and choose an insurer that actually values your time, your money, and your pet’s wellbeing.
Good luck getting paid (you won’t). As another user suggested, they’ll provide reasons that don’t make sense to deny your claim. If you fight it, well, let’s say they make it near impossible. That’s their business model. STAY AWAY. Just save the money for any future expenses because you won’t come out ahead with these guys.
I used to think pet insurance brought peace of mind. Then I saw my Pets Plus Us renewal. The premium is now $379 a month — 130% higher than last year and more than 500% above where it started. Same coverage, same pet, same me. Just a price tag that keeps reinventing itself.I asked for a review of the policy and got a series of polite form letters followed by replies that sounded tired of hearing from customers. It’s impressive, really — few companies can raise rates this high while lowering expectations this far.If you’re considering Pets Plus Us, ask yourself one question: how attached are you to your wallet?
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Pets Plus Us provides pet health insurance for your dog or cat and is the only pet health insurance designed by pet owners and veterinarians. We have pet health insurance plans for every budget, that way you can worry less about veterinary care costs and focus more on providing the best quality of life for your pet.
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