Pets Plus Us Reviews 

Please do not to with them. They will use pre existing issues to deny claims, even if the pre existing issue it totally unrelated. Please do not go with them.

After multiple consecutive years of double digit increases they raised my premium 28% this year. When I asked for more information justifying such a large out of line increase they said they would get back to me in 30 days, which they didn't. They claim no in there literature they do not raise premiums based, on claims or aging ...I made 2 claims ( not huge) for first time on my 11 year old dog year before increase and low and behold. They lose on transparency. There are numerous better providers out there

When I initially got this insurance it was $99 per month, $200 deductible and 80% coverage maximum $7500. Now my dog is 5 they charge $150 per month and increase the deductible to $400. I am shocked! I didn’t resign a contract they just changed it. Not happy better to invest your money

Absolutely hopeless. Made a claim. Submitted documentation. Received approval that the funds would be sent. Never saw the cheque. Talked to customer service that said they would take care of it, never did. Cancelled my policy for three dogs. I'll take my business elsewhere.

Do not purchase insurance from this company. Our premiums increased 130% with no notice and no explanation. We are now paying $300 a month and we’re essentially told to take it or leave it. In trying to raise concerns, over several months we have been passed from person to person, but received the same template email reply. This company has no care for their customers or their pets and cannot be trusted to be there when the insurance is actually required.

After a monumental increase of the amount they are making me pay per month with zero reclamation in a year, they refuse the reclamation I made. Run away from them!

Just to add to the plethora of negative reviews, I got this insurance through Costco, as it was reasonably priced for both cats. It was only after purchasing it that I saw these reviews.

Unfortunately, both our cats got sick. We submitted claims, and they were denied, as we were told they were within the waiting period. That's fair; I can't argue with that, as it's part of the policy.

However, after this, they marked diarrhea as a pre-existing condition for one cat and "on-and-off sickness" as a pre-existing condition for the other. Diarrhea covers a wide range of things, but how "on-and-off sickness" can be marked as a pre-existing condition, I have no idea.

Do yourself a favour and avoid this company. Go with someone else, as they will be a huge waste of time and money.

I use to really like this company, however their prices increases are insane and not worth it. Not to mention since they changed to pet cloud their whole system is now stupid. Use to be simple to submit a claim and now it’s replaced with a dum AI chat bot. They tried to re-invent the wheel and made it worse

We have been a customer from 2019 and our dog had accident and tore his ACL and had to go through a TPLO surgery. They denied the claim under the pretext that they have taken exception. They are not a ethical organization and I will never do business with them again. Anybody getting a policy with them please be very careful as they will keep on adding exceptions every year and increase the price significantly. We paid over 7 years and we were very unfair treated. Save your money and go somewhere else.

Do not purchase insurance from Pets Plus Us! Our premiums remained consistent for four years, but have now increased by approximately 65% over the last two years. That is not a nominal cost-of-living adjustment or standard inflationary increase. It feels like a strategic move to increase pricing when pets are older and customers have fewer practical options.

The customer service experience has also been disappointing. There was no flexibility, no meaningful explanation, and very little compassion. My only options were to reduce coverage, cancel coverage, or accept the new rate.

Pet insurance is supposed to provide peace of mind during the years when your pet may need it most. Instead, this experience has left me feeling trapped and deeply frustrated.

This is a money pit that will deny every claim. Will even pretend there were pre-existing conditions when there were none. Absolute scum. Go with anyone else

I paid for this pet insurance for years believing it would provide support when my pet eventually needed medical care. Unfortunately, when that time came, the experience was incredibly frustrating. The claims process was slow, communication was poor, and I felt like every step involved another obstacle. On top of that, my premiums kept increasing significantly each year, making it difficult to justify keeping the policy. I expected peace of mind, but instead I was left stressed and uncertain during an already difficult situation. I cannot recommend this company based on my experience.

They do not cover any dental surgery. It doesn't matter to them how bad it is - even though it's a standard coverage for most good insurances.
accerssing their portal is very problematic. To this day I couldn't access it. They changed their system nd made it worse.
Save yourself some patience, time, and the money and pay out of pocket. Or get any other insurance. If you have a domestic cat, they are not worth it.

I have been with this company for many years and have 2 now senior dogs insured through them.

This company used to be good and processed claims in a decent amount of time.

Fast forward to 2026 and it is taking over 4 months and still waiting for them to process my claim for my dogs pancreatic attack. I have followed up 3 times with via email asking for an status update on my claim with the same response each time that my message has been forwarded to claims and they will be in touch once they have an update. No one has reached out.

It feels as though all this company cares about is your money and not your pets. Each year at renewal time the premium goes up regardless of your claims.

Also every time I've made a claim I have to phone my vet to resubmit all medical documents as somehow they seem to misplaced them.

Having senior dogs I would hate to go without insurance but I may end up having to cancel insurance and find a new insurance company who actually cares about peoples pets.

I will never use this company for pet insurance again.

Pets Plus Us are nothing but parasites with a capital “P” - steer clear. They will happily take your monthly premiums from your bank account and increase them annually but offer nothing in return when it comes to claim time. I purchased insurance through them 3 years ago with my CAA discount for my large senior dog which I adopted when she was 13 years of age. I would have been better off putting the monthly insurance premiums in cash in a bucket and setting fire to it for what I have received from this company which is nothing. Claims are either outright denied within 24 hours or they will have you jumping through hoops to obtain further medical records from your vet for the simplest, nominal claim despite the itemized details being provided on the receipt from your veterinarian only for it to be denied. Example, my sweet girl tripped going up our outside stairs which caused a wound which debrided a small portion of her skin on her leg - no stitches involved but wound flush and an antibiotic ointment was prescribed - they required further medical records for this claim. Being the parasites that they are, they denied it anyway as they had the audacity to deem it as part of her pre-existing condition (osteoarthritis). A trip and fall accident deemed as a pre-existing condition! WTAF?! CAA and Costco should be ashamed for promoting this bloodsucking company to their customers.

This company is extremely frustration to deal with. It takes them weeks to reply to emails. Months to pay out. And have over charged me April 2026 $60.82 to May 2026 $88.95. No warning, no email, no response to my email. I really want to cancel my policy and more elsewhere. Do not trust them.

Avoid like the plague. This company is a total scam at renewal time. Premium jumped from $130.28/month to $299.80/month. More than double overnight. That’s now more expensive than my car insurance and house insurance combined. After years of faithfully paying them, they’ve decided to price-gouge me into cancellation. Zero warning, zero loyalty, zero justification that makes any sense. This feels like a bait-and-switch designed to trap long-time customers. I’ve had enough. Pets Plus Us is greedy, and unreliable. Do yourself a massive favour and stay far away. There are better options out there.

Extremely disappointing claims experience with Pets Plus Us / Northbridge.

Over the course of several months I dealt with:

* duplicate deductible application within the same policy year
* conflicting reimbursement decisions
* reversed reimbursements
* missing claim documents and Explanation of Benefits files in Pet Cloud
* claim pages showing little to no information
* and repeated inability to reach management despite numerous phone calls and escalation requests

I have now sent multiple escalation emails, filed external complaints, and still have not received a substantive resolution or direct management contact. At this stage, I want someone to act now and properly address these issues instead of continuing to send generic responses and delay the matter further. I am still hopeful that this can be resolved quickly and professionally.

The most frustrating part is that the entire purpose of pet insurance is to help avoid financial strain during difficult medical situations. Instead, I was left carrying large balances on my credit card while waiting through repeated delays and inconsistent claim handling.

I would strongly encourage policyholders to carefully review all reimbursements, deductible calculations, and claim records.

I’m trying to cancel an add on and they have a fake email address, plus no way to cancel on your account.

They use any reason to refuse á claim. If I can put 0 star for this company I would. I have been paying $190/month and they find any reason not to pay even a 200$ reclamation from my vet. Do not pruchase
COSTCO should not refer them.