Coverage for Cats & Dogs

In a 2018 study, 76% of people indicated they would spend whatever was necessary to save their pets. We at Access Credit Union believe that pets are valued members of the family and we are committed to helping you protect your four legged family members. Pets Plus Us offers a number of packages for you and your pets situation. Furthermore, because these policies were designed by pet owners and veterinarians, they have pets and pet owners best interest at heart, and that means:

  • 4Life Guarantee - all Pets Plus Us coverage comes with their 4Life Guarantee. That means that once you’ve enrolled for coverage, your benefits are automatically guaranteed to renew each year for your pet’s entire lifetime.
  • No breed exclusions - Pets Plus Us covers every breed, and even health conditions associated with a breed if they aren't pre-existing when your coverage starts.
  • Easy Paperless submissions




Why Choose Pets Plus Us?


Accident & Illness Coverage

  • Choose between $7,500 coverage per year (More) or $15,000 coverage per year (Max) for eligible illness and accidents
  • Flexible coverage options to fit your pet and your budget, including choice of deductible and reimbursement percentage




Optional FLEX Care Program

For a little more each month, get help paying for routine and wellness treatments.

Provides the flexibility to supplement the coverage offered in your policy, including:  
  • Annual exams
  • Vaccines
  • Flea and tick prevention
  • Nail trimming
  • Dental 
  • Routine health and wellness treatments
Available to add to Accident & Illness plans 

Accident Coverage

Coverage for when your pet needs emergency veterinary care and treatment for eligible injuries and accidents, such as:

  • Broken bones
  • Cut paws 
  • Swallowed objects.
$5000 coverage per year, with reimbursement for 80% of eligible veterinary fees (including taxes!)

Additional Benefits

Pets Plus Us Accident and Accident & Illness policies offer Additional Benefits, such as:

  • Boarding for your pet if you are hospitalized due an unexpected accident or illness and can’t care for him or her
  • Holiday trip cancellation if your pet has a medical emergency
  • Lost pet advertising and reward


Access Credit Union is where you need us to be, and through our partnership with Pets Plus Us, our members receive a preferred rate 5%*

Find the best plan for you and your pet here.


*discounts may vary and are subject to change.

Frequently Asked Questions

Pet insurance from Pets Plus Us provides coverage to treat eligible accidents and injuries such as fractures, lacerations or swallowing foreign objects. Insurance plans that also include illness coverage can cover common ailments such as digestive issues, allergies, cancer and infections. These policies include the cost of the diagnostics and treatments associated with the eligible accidents or illnesses.

Most pet insurance plans do not include coverage for routine, preventative or wellness treatments. Examples of excluded treatments include spaying and neutering, annual checkups, vaccinations, flea and tick control, heartworm medication, ear cleaning and microchipping or dental care. That is why Pets Plus Us offers the option to add on Flex Care coverage to the Accident & Illness plan. It can cover annual checkups, vaccinations and more.

Pets Plus Us offers pet insurance for all dog and cat breeds.

You can enroll your pet in a Pets Plus Us plan any time after they have reached eight weeks of age. There are no upper age limits for new enrolments with Pets Plus Us, though pets over a certain age are required to complete some Senior Requirements.

All pet insurance plans have limitations and exclusions. Specific products, features, rates, and discounts may vary by province and territory, eligibility, and are subject to change. Medical Conditions that are noted, symptomatic or diagnosed prior to enrollment, or during a waiting period are pre-existing to Coverage and not eligible for reimbursement. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. This advertisement is an outline only; policy terms and conditions 'User Guide' will prevail. For all terms and conditions visit: https://www.petsplusus.com/service-claims/brochures-guides

© 2023 All rights reserved. Pets Plus Us Pet Insurance policies are underwritten by Northbridge General Insurance Corporation, distributed by PTZ Insurance Services Ltd. & Société d'Assurances Collectives (Sodaco) Inc. in Quebec.  Pets Plus Us Pet Insurance is available in all provinces and territories.
Pets Plus Us®, Pets Plus Us & Design and related words and logos are trademarks and the property of PTZ Insurance Services Ltd.