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Before You Sign Up...
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.
Insurer: Pets Plus Us
By: Christopher
Sonnet helped cover the costs of a hit…
Sonnet helped cover the costs of a hit and run and saved me a lot of grief, hassle and money. They expertise and patience went above and beyond the call of duty, from helping me with my claim, to getting me paired with a body shop, to getting me a rental car. would highly recommend their services.
Insurer: Sonnet
By: Mark
Sonya my sonnet contact person was professional and courteous at all times.
Sonya my sonnet contact person was professional and courteous. She responded promptly to my questions and requests. The entire process did take a little longer than I expected but in the end Sonnet appears to have processed my claim accurately and in reasonable time based on what I have heard these situations can take.
Insurer: Sonnet
By: Colin
My insurance was increased 10$ this…
My insurance was increased 10$ this year for no reason, no claim no tickets no accident since I have joined, hope you work on that.
Insurer: Sonnet
By: Amin
Peace of Mind
Trupanion is very easy to deal with!! From the initial application to submitting claims or just answering general questions, all my needs have been met and brought us peace of mind!! I would highly recommend applying for this insurance as soon as you bring your fur-baby home!! Good insurance is never cheap, and Trupanion is well worth every penny!!
Insurer: Trupanion
By: Megan Anderson
Got insurance thinking “just in case”…
Got insurance thinking “just in case” and long behold a short while later as humid weather came upon us, my dog experienced unusual consistent vomiting. My French bulldog only 1 year young needed meds and testing to determine the cause. Just days after while being treated with antibiotics he continued with vomiting to the point of aspiration into both lungs. We were devastated as he almost died that same day. We were willing to do whatever it took but knew we had a financial limit. Unknown to us how much would be covered we started treatment on our lifeless pup. A few days into treatment an estimate was submitted by the hospital and trupanion was quick to respond with their approval giving us a huge financial relief. It truly made the decision easier in helping provide best medical care and give my pup a second chance of life. The process to submit invoice afterwards was seamless and reimbursement was quick! My frenchie now also requires BAS surgery to prevent another episode of aspiration which trupanion has approved for coverage. So grateful for Trupanion. Their customer service is quick and super friendly. Can’t recommend them enough.
Insurer: Trupanion Canada
By: JNet
So Glad I went with Sonnet
So Glad I went with Sonnet. It's easy to sign up, and I have never had any problems with them throughout having insurance with them. They were quick to help me out with any questions or concerns I may have had. Even during the pandemic.
Insurer: Sonnet
By: Lisa
Never an issue
Never an issue, quick to answer any questions I have and great rates.
Insurer: Sonnet
By: Amber
Great service
I have no complaint about Sonnet Insurance I am very satisfied
Insurer: Sonnet
By: Courtney WIlliams
Top tier in every way.
Insurance is one of those things that it's hard to feel good about - until you need it. That is where HealthyPaws absolutley delivers above and beyond. Our dog was diagnosed with a degenerative disc disease a couple years ago. We love the guy and he was getting the surgery regardless of coverage. I called Healthypaws to see if this procedure was covered and sure enough, it was. I called HP a couple weeks after to see what the hold up was in processing my claim only to find the vet didn't file it as they promised. This is where the real customer service magic happened. The girl I was talking to said not to worry, that she would call the vet and get all the forms, etc. By the end of the day I had confirmation that the claim was filed. a day later it was approved and 3 days later I had a check. Amazing! Since that time our poor guys has managed to tear his CCL in both knees - at separate times. In both case the claim was filed and paid within a week. What else could you possibly ask for? This company is serious about it's mission. And our boy is healthy and thriving in part because of it!
Insurer: Healthy Paws
By: John