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