Pets Plus Us | Pet Insurance Review

So worth it for my pet as well me. The stress of proper health care was dealt with by the insurance.

I had the worst experience with the PetsPlusUs insurance company. Surely their policy does not cover pre-existing conditions but it was never disclosed to me that 1) exclusions were added to my pet’s policy; 2} said exclusions were never based on a real diagnosis, just the condition that might in the future lead to a diagnosis. I am very upset and feel that I have been treated unfairly. No amount of phone calls to the company produced any recourse. I canceled the policy. I know I gave them what they wanted, but the stress of dealing with this unfairness, unhelpful reps and manager on top of the stress of my pet's illness and financial expense was too much. My vet advised that I should continue trying to get the coverage as it's the company's reputation that is on the line. Apparently, not so much. I have called and spoken to several reps and a manager Michelle over the past few days. I have also received a "your policy is complete!" email announcing that they have all the medical records for my pet, yet the attached summary of coverage still had NO EXCLUSIONS listed, just a note that they need a full medical history. Ain't that a doozy! The next two emails detailed the claim denials based on a pre-existing condition that I was never aware of or advised about in any prior summaries of coverage. When I called to complain about that, they brought up medical history of my other cat that had a trial policy with them 2 years ago - they were thinking it was the same animal as my cat that got sick! They even asked me if both my cats have the same name! What a mess. Too bad, they have just lost themselves a paying customer and no, my cat is not feeling better. Issuing a "conditional policy" is such a convenient way to mislead customers, fooling them into thinking their pet is covered, and this has been going on for 2+ years in my case. Lack of transparency on what exclusions exist on the policy is the worst thing an insurance company can do to their customers. Obviously I will never recommend a company that just takes the money and has no help available when it is needed. Their slogans are a big fat lie. PS: Oh, and when I started talking with another customer on their Facebook page who had similar issues with them, our discussion was promptly deleted. If you are an inconvenient customer for them - expect to be treated accordingly.

Great company. Would recommend to anyone. Fast, friendly service and no problem receiving payment on claims.

Quick reimbursement. Very happy!

I have had 6 cats with Pets Plus Us, with 5 currently with them. Their customer service I've always found to be excellent! Claim reimbursement times can be lengthy.. 3 to 4 weeks on average, there's been times it's been under 1 week... hopefully that can become more the norm for the company. They've always approved my cats claims other than a few times recently they randomly started denying his long time medication which they'd always approved and then denied the reassessment too, but that's fixed now! Other than that the only downside to PPU is they won't cover any dental at all! I get not covering routine dental and cleanings and knew that when I signed up. But my cat contracted calicivirus (confirmed via a PCR test) and was left with stomatitis and gum/mouth ulcers as a result of the virus continually flaring up.. which he requires antibiotics to clear up which they won't cover because it's 'dental' and he requires cleanings to ease the stomatitis and ulcers because of the calici too.. which they also don't cover. So if you have multiple cats or a cat more likely to come into contact with calici and want the coverage for the mouth/gum aspects of the virus I'd choose another company. This company is great for everything else! P.S I'd like to see a faster process for emergency preapprovals for over $1000, where direct pay to practice is concerned.