Pets Plus Us | Pet Insurance Review

We recently received a diagnosis for both of our cats that they had kidney disease before the age of 4. After a rollercoaster of a month, we are lucky to say this diagnosis was not correct. We had multiple claims for two pets through the course of 8 weeks, and all claims were processed in a reasonable amount of time with no issues. It’s great to be able to have an insurance company you can rely on, especially when you are going through turmoil with your fur babies.

They are a good company at heart but they are incredibly slow on reimbursements. It used to take 1 or 2 days and now it takes 3-4 weeks. If I had known it would be this bad I would not have joined. The whole purpose of insurance is to assist with costly vet bills and it's almost pointless when you don't even get your money back for an entire month.

Before you signing up for pet insurance with PetsPlusUs (or any pet insurance) it is important to be aware of what exclusions may exist, and more importantly how those exclusions are applied, both in present and into the future. In our particular case, we brought our dog to our vet because she was vomiting randomly and we could not figure out the cause. We took her in for a check up within a few days because it wasn't going away on its own. Upon examination our vet found Nothing Wrong with her and suggested we try her on a "digestive" food. In doing so, the vomiting stopped. In the meantime we received our policy from PPU after its underwriter review process was completed. What we found within the policy is an "exclusion" for any vomiting conditions...ANY vomiting conditions. In other words, though no underlying illness was found PPU was excluding from coverage ANY current or future conditions associated with vomiting. If you've never looked up conditions that may have vomiting as a symptom, it is extensive. This is important because the exclusion does not only apply to the current circumstances, again, for which no underlying disease was found but any and all future conditions which may have vomiting as a symptom. Essentially our coverage was effectively reduced to conditions which do not have vomiting associated or anything like the dog being hit by a car. After a few months our dog's vomiting returned to a lesser extent but it did return, so again we took her to the vet and requested virtually ever diagnostic test possible: blood tests, urine analysis, ultrasound, and more specific blood tests. PPU, to be clear, covered none of the testing though we continued to be enrolled with their insurance. The explanation given was that the testing was associated with the vomiting exclusion and therefore no coverage provided. The diagnostics performed found No disease condition and the vet once again suggested a change in diet. With that change, the vomiting stopped. With the issue seemingly resolved, and, more importantly, no underlying disease being identified, we Canceled our PPU policy due to the manner in which this was handled and the blanket exclusion being applied. Since most conditions affecting a dog may have vomiting associated, our policy became largely ineffectual, but the premium remained the same. PetsPlusUs is associated with Costco, and with their endorsement comes significant marketing exposure for PPU. We will be contacting Costco to review our personal experience and to gage Costco's understanding of the practices of PPU and their underwriter. My hope is only to try and give consumers an example of the tactics that can be used to limit their pet's coverage. To be fair, it could happen with other insurers too...the point in this case is that there was Nothing found thru extensive diagnostics to warrant an exclusion, most especially on an on-going basis. If they wanted to exclude the current circumstance because the policy was still being reviewed by the underwriter before Final implementation, that might be viewed as fair; however, to exclude all such instances, regardless of circumstance, into the future, when Nothing was found in terms of an underlying condition, does this seem like an acceptable business practice? Does it seem reasonable? Fair? Does it reflect a concern for the well-being of the animal? There are several pet insurers. Please take a good look at each and ask questions about when/how/if exclusions may apply and under what circumstances. Many times as consumers we are faced with choices and often we seek endorsements from family, friends, neighbors, co-workers, And by Reading reviews. The best outcomes stem from being informed. Please choose wisely.

We lost our dog on June 8, 2021. Since, then, I have filed everything that was needed to process the claim (vet bills and reports). For the first month whoever was reviewing the claim was looking at the different claim from 2019. Once we cleared that off the table, I have been waiting for them to reimburse us for part of the claim and prorated premiums. Its has been over 2.5 months. And still they cant get back to me with any response. When call, they are still reading comments that were left by a previous employee. They seems to be unable to add any new comments and make take any steps in completing this claim. I tried to talk to supervisor, who assured me everything will be taken care, only to fail to add comments from that conversation, so that threw us back by few weeks. It seems that once your pet is gone na you are not paying any monthly premiums, you do not exist as far as they are concern. We are trying to put her death past us, but this ordeal with the insurance makes you relief her death over and over again. No help, just making you feel worthless. Horrible, upsetting and unforgettable.

Your site sucks I tried to check out a quote and would not do it therefore will NEVER deal with you.