Most pet insurance companies use reimbursement to pay claims, so you don’t need to worry about what vet clinic to go to, or if they take your pet insurance. Your pet insurance should work at any licensed vet or animal hospital across Canada - however, double-check with your provider when taking out a new policy.   With Pets Plus Us, members can take their insured pet to any licensed veterinarian— even specialists and emergency care providers. Pets Plus Us pet insurance programs** also covers the cost of care from a licensed veterinarian in the USA should something happen while you are travelling.