Choose the type of protection
Decide whether you want help with accidents alone or illnesses too. An urgent vet visit is not automatically an accident under the policy.
Pets Plus Us offers Accident and Accident & Illness insurance for Canadian dogs and cats. The right comparison starts with what your chosen plan covers, how its deductible changes as your pet ages, and the amount you must pay before reimbursement. Use this guide to compare the options, prepare questions for your local clinic, and check the policy details behind your quote.
It is worth comparing if you want a choice of coverage levels and an annual deductible. Look more closely if you need the insurer to settle a bill at checkout, expect routine care to be included, or want to avoid age-related deductible changes. Those needs require specific checks before you choose.
Decide whether you want help with accidents alone or illnesses too. An urgent vet visit is not automatically an accident under the policy.
Compare the yearly cost with your share of an eligible claim and any excluded charges. A lower monthly payment can leave a larger amount due after treatment.
Ask your daytime vet and backup hospital when payment is due. Keep a plan for the amount you may need to pay while an insurer assesses the claim.
| Feature | Accident | Accident & Illness |
|---|---|---|
| Main purpose | Eligible accidental injuries | Eligible accidents and illnesses |
| Annual limit | $5,000 | $7,500 or $15,000 |
| Reimbursement | 80% of eligible costs, subject to the deductible | 70%, 80%, or 90%, subject to the deductible |
| Illness treatment | Not included | Subject to policy eligibility and exclusions |
| What to check next | Definition of an accident and deductible | Age-based deductible, exclusions, and benefit limits |
Sources: the provider’s Accident plan summary, Accident & Illness overview, and co-insurance explanation. All amounts are CAD. Products and options may vary by province, territory, and eligibility.
Emergency does not mean accident: the current policy defines some sudden problems, including cruciate ligament conditions and dietary indiscretion, as illnesses. If you are considering Accident-only cover, ask how likely treatment scenarios would be classified. Read the policy’s definitions rather than relying on the everyday meaning of “accident.”
The Accident & Illness plan uses an annual deductible with age-based options. Ask for the schedule that applies to your dog or cat, including what changes at the next age band. Do not assume the amount on today’s quote stays the same for life.
Record the premium, reimbursement rate, deductible, and annual limit together. Ask for the terms in writing if the quote screen and a general web page show different options.
Use our pet insurance coverage guides to understand the terms, then keep the provider’s answer beside each competing quote.
Assume your policy reimburses 80%, your remaining annual deductible is $200, and the full $2,000 is eligible with enough annual limit left. The percentage is applied before the deductible, giving an illustrative reimbursement of $1,400.
$2,000 × 80% = $1,600. Subtract the remaining $200 deductible: the insurer reimburses $1,400 and your share is $600.
If the deductible is already satisfied, reimbursement on the same eligible amount would be $1,600. Premiums, excluded charges, and any costs beyond the available limit are separate. This is not an estimate of veterinary prices in your city.
Calculation order follows the provider’s claims guidance linked above. Your actual deductible depends on your selected policy and pet; this example is not a quote.
Request the total monthly charge using your home address and the same pet details for every provider. Compare similar annual limits and reimbursement rates. A national average or another owner’s premium cannot show what your own household will pay.
Pets Plus Us lists availability in all Canadian provinces and territories. Local planning still matters: the clinic you use, referral arrangements, and payment timing determine what you need ready before reimbursement. These are practical checks, not verified clinic listings or local price claims.
For households in Surrey, Burnaby, Mississauga, or Brampton, ask where your usual vet sends patients after closing. Confirm the receiving hospital’s intake process, deposit, and record-sharing arrangements separately.
If specialist care could require a longer drive, ferry trip, or overnight stay, ask your vet about the referral path. Budget for travel separately unless the contract expressly includes it. Keep an alternative hospital’s contact details handy.
If you live in Montréal, Laval, or Gatineau, use the provider’s Quebec-specific route and request the documents for your residence. Confirm plan options, service language, and any offer conditions before relying on a general Canadian summary.
Availability and Quebec distribution information: official Canadian coverage page. A provider’s availability does not establish a particular clinic’s payment arrangements.
The standard published process is reimbursement: pay the vet, collect an itemized invoice, and submit your claim through Pet Cloud with supporting records. Direct deposit sends reimbursement to you; it does not mean the hospital is paid instantly at checkout.
The current Accident & Illness guide also describes an option to send a cheque to a veterinarian. Arrange and confirm this with both parties in advance; it is not a promise of immediate direct billing. The guide generally requires claims within 180 days of treatment, with separate rules after cancellation. Your policy version controls.
Costco’s Canadian pet insurance offer is through Pets Plus Us. Treat it as a member offer to compare, not a separate insurer when counting your options. The official partner page advertises a preferred rate and a complimentary first month, subject to offer terms.
Check the membership requirements, ongoing price after any introductory benefit, and whether coverage settings match a direct quote. A discount matters only after you compare the actual policy. Our Costco pet insurance review helps you assess that route.
Relationship and offer source: Costco’s pet insurance page. Confirm the live offer for your province and membership.
Browse the provider reviews hub and use our side-by-side comparisons to investigate different coverage and payment structures.
No. Sudden onset does not turn an illness into an accident. Ask which policy category applies to a scenario and read the definitions before choosing Accident-only protection.
The published Accident & Illness summary lists 48 hours for accidents and 14 days for illnesses. Confirm the effective dates in your documents; conditions arising during waiting periods are excluded.
The provider excludes pre-existing conditions. Symptoms before coverage can matter even if the diagnosis came later. Disclose the full history and ask about any exclusions attached to your pet.
The Accident & Illness overview lists age-based deductible choices. Ask for your dog’s or cat’s full schedule, including the next age-band change, before comparing the long-term cost.
The published claims guidance allows a licensed veterinarian in Canada, or the United States while travelling. Confirm eligibility and travel terms in your policy; clinic payment requirements still apply.
Its standard process is reimbursement after you pay. Any alternative arrangement needs advance confirmation with the clinic and insurer. Do not confuse reimbursement by direct deposit with direct payment to a hospital.
Routine preventive care is separate from the core Accident & Illness protection. The provider advertises optional wellness plans. Compare the extra annual cost with the specific benefits you expect to use.
The provider lists availability in all provinces and territories, including Quebec, and offers a Quebec-specific site. Confirm the documents and options applicable to your residence.
Yes. Costco’s Canadian offer is through Pets Plus Us. Check the current membership offer and compare the ongoing price using identical coverage settings.
Ask for the reason and the policy term used. The provider has a reassessment route for additional medical evidence and a separate complaints process. Follow the instructions and deadlines in your own policy.
Sources include the coverage and claims pages above, the policy guide library, and the official complaints process. General information is not a coverage decision.
Have your pet’s age, breed, medical history, home address, and preferred coverage level ready. Ask for today’s deductible, future age-based changes, and a worked claim example before deciding.
The provider link opens its official coverage page. Requesting a quote does not activate insurance.
Sources checked: 30 August 2026. This document-based review uses the provider’s public coverage pages, claims guidance, policy documents, and Costco’s offer page. We have not purchased or tested a policy, measured claims performance, or assigned a customer rating.
The fit assessment is editorial analysis. Local examples are planning questions, and the calculation is illustrative; no clinic endorsement or city-level price is claimed. Your issued Summary of Coverage and policy govern. Confirm current details before buying or switching insurance.