Pets Plus Us | Pet Insurance Review

I purchased Accident and Illness Insurance protection plan for my cat Dazzle back in 2013. As requested by Pets Plus Us, we took Dazzle to a vet and did a thorough examination to ensure there was no pre-existing condition. Fast forward to 2017, Dazzle was diagnosed with Diabetes and suffered a life-threatening condition called ketoacidosis. We had no choice but to send Dazzle to a pet ICU for a couple of nights. Thanks to the protection offered by Pets Plus Us, we were able to obtain all urgent medical assistance Dazzle required, without being overly concerned about the medical bills. Since then, Pets Plus Us had continued to provide reimbursement for routine Diabetes medication and treatments. in May 2023, Dazzle ended his 6 year battle with Diabetes and we submitted the last reimbursement request with Pets Plus Us for cremation expenses. As always, the claim process was smooth and fast. Following the final reimbursement, Pets Plus Us sent us a sympathy letter, cancelled our policy and backdated to Dazzle's day of passing in the most efficient manner. In conclusion, I thank Pets Plus Us for the service and protection they provided for Dazzle for the past 10 years. For the other reviews that indicated issues with the claims, I would suggest you to follow the process and document requirement in the insurance document. For all past 6 years of my claims experience, all claims were processed and reimbursed with 2 calendar weeks. There might be 1-2 incidents where it took 3 weeks. If your wait time is prolonged for the claim reimbursement, maybe check with your vet to see if they sent in all proper documentation as requested.

I could not have afforded to pay for pet care bills without my PetsPlusUs insurance plan.

I had a large expenditure coming up so I went the pre approval route. When I called I was told 10 days to get the funds back. It took a longer time than some of my other smaller claims. When something is pre approved it should be almost instantaneous. Also wish there was a way to direct bill and pay the difference. Overall it has been a very positive experience with the claims.

When I adopted my dog, I got PetsPlusUs from the breeder. I must say, I was in love with the insurance the first year. I paid the most complete coverage. They were fast and cordial in the reimbursements. Last year my dog had to undergo surgery due to 2 canine extractions. That's when I first understood the plan wasn't complete as they sold. 4k cost went from my pocket. In the same year, I tried to add dental with them, and they didn't have it. I mentioned I would need to have a dental for her or cancel the policy. Basically, I heard that "up to you if you want to cancel the policy and lose the pre-existing coverage". That was when I felt this whole scheme of good and fast reimbursement also meant getting you stuck with bad long-term service and coverage. Today I discovered that they do not accept dual insurance, so the dental coverage I got elsewhere for my dog will need to choose either to stay with them or leave. All this because I informed them I had already received reimbursement from another insurance plan and they didn't have to fully reimburse me. Long story short, if you have a chance to find another insurance plan, run a move away from them.

Pets Plus Us gives you your exclusions up front and approves the majority of claims without issue if they are not related to existing conditions listed up front. They are a bit pricier than most insurance, and do not have direct pay (3 week turnaround on claims) but I love the peace of mind of knowing that my claims will likely be approved in a reasonable time. This is in contrast to my usual experience with insurance companies of all kinds! Highly recommend the peace of mind of pet insurance, and if you can't afford PetsPlusUS, just get anything you can afford! It is so sad when owners can't pay for emergency care or cancer care for their pets and consider humane euthanasia instead. Everyone should be insured and it should be considered a matter of ethical pet ownership if at all feasible to the owner.