Pets Plus Us | Pet Insurance Review

After two major unexpected veterinary expenses in less than six months, we were so thankful for our Pets + Us Accident & Illness coverage for our cat Dali, and are very happy with the way our claims have been handled. Within the first week of bringing Dali and his sister Kahlo home from their rescue foster home, Dali experienced a fall and fractured his femoral neck (the bone that connects leg to hip). Unfortunately, we had not yet applied for pet insurance, and had to pay these expenses (about $2000) out of pocket. Needless to say, we were quick to get our application in following this unexpected event. We purchased Accident & Illness insurance for both cats, and hoped we wouldn't need to use it anytime soon. However, within a couple months, we noticed that Dali was limping again; this time, it appeared he had an injury on the opposite side. After a visit to our vet, we were told he had fractured his other femoral neck - apparently this injury is common in larger young male cats, which Dali is. We immediately submitted our claim to Pets + Us, requesting pre-approval for Dali's surgery costs (another $2000 bill). Within a few days, I was called by a Pets + Us advocate to inform us that because of Dali's initial injury, which was listed on our policy as a pre-existing condition, our claim would be denied. I was very upset, given this meant another large and unexpected out-of-pocket expense for our family within 6 months of adopting our young cats. After explaining th

Thank you very much for processing it so quickly. I thought this would take a lot longer but am pleasantly surprised and relieved that it was taken care of so fast.It's very reassuring. I will have to recommend you to my pet owner friends. I am very happy with the hassle free service. All that was required was Jack's medical history along with the doctor's treatment report

Our dog broke her leg so the cost was substantial. We got our claim back very quickly without any hassle.

The vet recommended this co. and we are sure glad he did as they are excellent at everyting, starting with customer service to claims payment. Our vet asks us about this co. as new to them and we said recommend them to everybody.

What I really liked about this pet insurance was they asked for all the pet's medical history when you purchase a policy. Then they issue a statement of coverage which clearly defines what is a pre existing condition. Some conditions might only be temporary, and you can request a review of that after a certain amount of time. In my case, my puppy had some red lesions around her muzzle from play biting with all her littermates, so skin conditions were a pre existing condition. After 6 months, I called in and they asked for my dog's medical history and had the pre existing condition removed as an exclusion. So far I've submitted claims for $100 for a runny nose, $200 for a urinary tract infection, and another $200 for some behaviour issues and to get a referral from my vet to a dog behaviour therapist (which would also be covered I believe). All have been paid quickly, no hassle. Cheque received within two weeks.