Pets Plus Us Reviews 

The major issue I’ve had with PetsPlusUs is their massive yearly premium increase. They have increased my premiums by 50% each year the last few years, while also increasing the deductible. On top of that I’ve had to fight with them several times after they have rejected claims that were absolutely insurable claims and not preexisting conditions.

I have had a Pets Plus Us policy for 4 years now and have made periodic claims. My pet got diagnosed with allergies and requires a medication for the foreseeable future. Pets Plus Us has covered all of my claims relating to those allergies including the medication. I have had no complaints what so ever and their agents on the phone are very pleasant and actually have a conversation with you rather than sounding like a robot reading off a script. A+ service!

I purchased a policy for my dog when he was a puppy. I am SO GRATEFUL that I purchased the policy. Pets Plus Us has been a fanstastic partner. All claims have been paid in a timely manner, per the policy terms, no surprises at all, I have never had to appeal a claim.

My dog has had some complex health issues and it has been such a relief to be able to make decisions for his care based upon what is based for him and our family vs. a financial decision.

I highly recommned Pets Plus Us and would definitely purchase again.

Don't waste your money. I haven't made a claim in 10 years until my dog fell down the stairs and injured her paw. The accident insurance wouldn't cover any vet expenses because she has arthritis, which was pre-existing. If a fall down the stairs isn't an accident, I don't know what is. Lightning strike?

When they initially took over PC pet insurance, there were no major issues. They recently told us they are dropping the old PC plans and offered lower coverage at a very high price for my senior dog. They want to charge over $100 per month and are only offering a pool of $3000 per year, which is less coverage than we originally had. Our existing plan provided $1500 per condition for a little over $30 per month, so if I claimed for multiple conditions, I could end up getting back more than $3K. What they're offering now is almost 4 times more expensive. They are basically trying to kick PC customers with older dogs off their plan.

They are forcing loyal customers out with the excuse of a change of policy. I’m reporting them everywhere I can.

They will not cover anything that they consider a pre existing condition. The breed of dog you have almost is guaranteed to be excluded from coverage based on the breed characteristics. I have a dachshund who injured her back playing and they won't cover her because the breed is prone to IVDD. If you have a shitzhu, beagle, German shepherd, lahsa apso, Basset Hound or other breed that could get IVDD, they will not cover anything. Absolute scam. Should have just saved the money myself.

Disgusting company! We've been with Pets Plus Us for over 12 years and I get an email today my policy is being cancelled because it's "outdated". Now that my dog is a senior they aren't making money off her anymore, so they cancel the plans offering us a more expensive plan with less benefits.

They advertise 4Life Guarantee! "Our promise to you". The only reason we stayed with them.

BEWARE! THEY WILL DO THIS TO YOU EVENTUALLY!

Dont send me unsolicited marketing spam. I never consented to reseive your crap. I specifically chose no marketing from telus.

My Vet submitted an underwriting appeal claim Dec 18 2024. We heard nothing until I chased Jan 28th 2025. The result was a letter that did not address the issue - I suspect an AI letter

2025-01-26
This insurance company has been incredibly frustrating to deal with. They don’t respond to emails, even though they recommend this as a way to communicate. When you call, they give you the runaround, and the information from one manager contradicts what another told me just days earlier.

I paid premiums for six months to insure my two healthy cats. Both have all necessary international documentation, including microchips, passports, vaccines, and veterinary certificates. After six months, I took one of my cats to the vet for an ear infection and advice on food, as the cat had vomited three times in one week. The veterinarian explicitly noted in the medical file that vomiting is “not unusual.” The issue resolved entirely after switching food, which is also documented in the file.

Despite this, the company claimed I hadn’t provided the “correct” medical documents—even though the documents I provided fully complied with the requirements outlined in their User Guide. I sent all required documentation when I enrolled and clearly stated, “If you need anything else, please contact me.” They never contacted me. Instead, six months later, they retroactively canceled my policy and promised a refund. It’s now been over three weeks, and I still haven’t received my money.

To make matters worse, they created new policies for my cats and labeled everything from that vet visit—including notes from the anamnesis (not even a diagnosis)—as pre-existing conditions. For example, they listed:
“Vomiting / Emesis and associated conditions”
Seriously? Vomiting is a natural behavior for cats (e.g., regurgitating hairballs). It’s also a symptom of countless possible conditions. By labeling it a pre-existing condition, they’re essentially trying to exclude everything.

This company doesn’t provide insurance—they provide excuses to deny coverage. Avoid them at all costs.

2025-01-30
Reply to company answer:
Thank you for responding.
While I appreciate your effort to be transparent, my experience with your company tells a different story - poor communication and inconsistent guidance from your team.

Despite providing all required documentation upfront and offering to send more if needed, my policy was canceled retroactively, causing unnecessary stress. Labeling such a general symptom as a pre-existing condition is a blatant attempt to limit coverage arbitrarily. This is not what I expect from an insurance company that markets itself as supportive and reliable.

It has also been over three weeks since you promised a refund, yet I am still waiting.
Transparency means following through on your promises in a timely manner.

I urge you to review how your practices affect customers and act responsibly.

Petsplusus is Reasonable, reliable, fast service. Do not go to other insurance companies.

Literally the worst company ever. DO NOT USE THEM. We’ve been out of our portal for over a year trying to get it fixed and they just ignore us. Keep saying reset your password but it never works. Impossible to get a hold of and when trying to change our payment card they just keep saying they never received it even though the agent confirmed they changed it.

BEWARE DO NOT USE PETS PLUS US

En 2016 j’étais avec PC assurances. Ils ont été acheté par pets plus us en 2018. À ce moment on m’avait assuré que mon contrat resterait le même avec les mêmes couvertures et conditions et ce POUR TOUTE LA VIE DE MON ANIMAL. En effet pets plus us aime bien se vanter que le contrat est garantie pour toute la vie de votre animal alors que c’est faux! Depuis 2018 que je suis avec eux et là alors que mon chien à 10 ans, ils ANNULENT MON CONTRAT, parce qu’ils ont décidé de ne plus offrir le plan que j’avais avec eux depuis 2018 (5000$ par accident et par maladie par année que je payais 115$ par mois). Ils m’offrent à la place 3000$ total par année pour 75$ par mois!!! Donc je passe d’une couverture de 5000$ par accident et par maladie par année à 3000$ TOTAL POUR TOUT ACCIDENT ET MALADIE qui pourraient survenir dans l’année. Et le pire dans tout ça c’est que je n’ai même pas l’option de payer plus par mois pour avoir une meilleure couverture, c’est 3000$ de couverture pour 75$ par mois ou bien rien du tout!!! Contrat garanti pour toute la vie de votre chien?!? Cest de la BS!!!
FUYEZ CET ASSUREUR COMME LA PESTE!!!

Stress fee worry about ins coverage for our kitty. Communication was superb, reps from Pets Plus Us kept us informed and were pleasant and caring on the phone

They did what they said they would do and made the claim process easy (the animal hospital did all the paperwork) only had to worry about my dogs health not claims forms.

The portal is easy to use and they typically get back to me faster then the time suggested. It's nice knowing that I do not have to worry about the cost of care needed for my crazy GSP and can focus on supporting her health needs and getting her better. I appreciate Pets Plus Us very much from ease of the website and submitting claims to the piece of mind I get when I am unexpectedly at the vets.

I am shopping for insurance currently and have spent days making calls and researching. This was the ONLY company to have their full comprehensive policy for everything online - not just a silly sample policy... all this even before paying for coverage and before going through underwriting.

Info was very clear on what is covered and not covered. When I called the 1-800 number & I reached an agent in less than 5 mins
- they answered every single question I had (while other companies refused to and told me to just sign up and see) I explained how I have new puppy, im unsure what plan I want - I explained I have full genetic testing for over 200 health issues and 3 generations of DNA, pedigree and health testing from a breeder that's been in business since 2007 along with being AKC registered. The ppu agent responded with enthusiasm and PRAISED my extensive due diligence and pet research.. MENTIONED it gets VERY hard for them and the claims department when they cant clearly identify the genetics and health of a pet and they cant have a CLEAR understanding of what is preexisting and what is not when the plan starts. The agent was clear and said without this It can cause problems down the line for claims. Specially for certain breeds that have KNOWN EXSISTING conditions, and susceptibilities (IMO you can easily google these breed problems and talk to your vet before getting your pet)

IMO-I can see why It can be hard for mixed dogs/mutts/rescues and in other situations where the so called "breeders" don't do all vet appointments or testing... how would the insurance company know your pet is healthy...?

On the phone They also reassured me that once the PACKAGE of documents I had from both my breeders vet, my vet and all the genetic health paper work etc etc is sent in they will respond clearly with what they will and wont cover for my pet as per their policy. (on top of what is very detailed and clear online) if I don't like the results and in this time don't use the policy I was advised I could cancel and get my first month refunded.

Just like human health insurance the more info and paper work you have upfront; the more you will be reassured and covered.

On the flip Trupanion wouldn't provide any info and said if I cancel post their underwriting which can take a month or two wait there is no premium refund. I was basically told to sign up and pay and wait to see what my animal was covered for and wasn't covered (despite their lofty claims on the website)

I understand there are a lot of bad reviews.... but if you don't complete the list OF REQUIRED annual care items, you dont care for and feed good food, you don't send in all the documents to support your animals health... and you don't have a lot of health and genetic info on your pet .... they like EVERY INSURANCE company are going to give you trouble..... not one I spoke to today proved other wise. Even trupanion had a clause for predisposed and pre-existing and wanted a full health check up prior to. As their preexisting coverage was only for things developed after coverage was started, and AFTER you can prove you cared for you pet and followed all their annual rules....

Very disappointed with this insurance company. I have paid $760.00 this year for fees for insurance and submitted close to 2 thousand in vet bills and they are covering zero costs. This insurance company is a scam DON'T USE THEM!

A literal scam, their insurance policy says they won't even reimburse "treated" conditions if it re-occurs even once. Meaning, if you have an infection once for a certain illness, and you get it again later in life, theyre not covering any of that. Especially if it mimics similar symptoms.