Pets Plus Us Reviews 

When I adopted my dog, I got PetsPlusUs from the breeder. I must say, I was in love with the insurance the first year. I paid the most complete coverage. They were fast and cordial in the reimbursements.
Last year my dog had to undergo surgery due to 2 canine extractions. That's when I first understood the plan wasn't complete as they sold. 4k cost went from my pocket. In the same year, I tried to add dental with them, and they didn't have it. I mentioned I would need to have a dental for her or cancel the policy. Basically, I heard that "up to you if you want to cancel the policy and lose the pre-existing coverage".
That was when I felt this whole scheme of good and fast reimbursement also meant getting you stuck with bad long-term service and coverage.
Today I discovered that they do not accept dual insurance, so the dental coverage I got elsewhere for my dog will need to choose either to stay with them or leave. All this because I informed them I had already received reimbursement from another insurance plan and they didn't have to fully reimburse me.

Long story short, if you have a chance to find another insurance plan, run a move away from them.

I had sent in a previous 5 Star. I read a previous stating the 5 stars were fake. I can only speak for myself and Ziggy. If you have any doubts, probably 1/2 of London Ont. knows Zig.

Don't invest in this product, as it caused my dog to experience frequent vomiting. When I tried to make a claim, my application was denied because my dog had diarrhea last year. The company claimed that this was due to the same digestive issue and considered it a pre-existing condition.

I have nothing but good things to say about Pets Plus Us. I was brought over from PC Pet Insurance 10 years ago when my account was transferred and it was an easy transition, my vet sends them in my receipts for me and they then mail me my cheque, it's a seamless process and with a sick dog, that has epilepsy and also congestive heart failure, but she was completely healthy until 7 years of age, she's now 14 almost and I pay about $500 in her meds every other month. Without insurance I would be up s**t creek without a paddle, it's my #1 piece of advice for any new pet parents. A1+++

I have found pets plus us to be a typical insurance company. I they can find a loop hole to deny you, they will find it. It has been a waste of Money.

I've actually had a decent experience with these guys and would use them for my next pet. Easy enough to get reimbursed (just one form), and if your pet doesn't have any preexisting conditions you're good to go. Rates are favourable compared to other companies I've looked into, and I've always been reimbursed quickly. When my pet passed away, they sent a lovely note of condolences and made a donation on his behalf to a charity.
They offer a review on exclusions after a certain time frame so you're able to get those removed if your pet has been healthy. I just wish they had a multi-pet discount!

STAY AWAY FROM PETS + US. I'd give them -10 stars if I could.

I wish I could go back in time and choose ANY OTHER pet insurance company.

I've been paying roughly 120$/month for 36 months for my dog and it's been an utter waste of money. That money would have been better spent on any other company, or just in a savings account.

First, it takes up to HOURS to speak to an actual human on the phone and it's usually someone with a huge accent and it's super complicated to communicate with them and you always need to spell out the most basic things. It's awful.

I tried submitting 3 different claims, and they only accepted one out of the three. They argue and nitpick everything about the other two, and they even quote sentences and exclusions that are NOT part of my insurance policy when they deny claims. It's absolutely insane. I sent my policy's user guide + they letters refusing claims to a lawyer friend and he says it's insane that they're denying and they're literally pulling exemptions out of nowhere and those exemptions are NOT in my policy user guide.

But guess what? If you want to fight them, it's a David vs. Goliath battle. It doesn't matter that you are right. You are likely a regular person with a full-time job, your pet, maybe a spouse, kids, etc. And they're a big company with tons of lawyers and insurance people who have all the time and resources to drain you out mentally and financially.

Stay away. It's the best thing for your pet and yourself - your financial health, mental health and your own physical health, as they will grind you down.

Also, the (very few) 5-stars review on here look fake. I wish I had looked on here before signing up with Pets + Us.

We have been SO happy with our petsplusus insurance. We have 4 pets covered with them and they have covered every claim so far. If you actually submit everything properly and read the fine print you should have no problems with the company. My dog recently had the TPLO surgery done which costed us $4000. Petsplusus covered our butts paying everything but the deductible and our share, being only $709! Wow! We have also had to use it for our cat, and dog in the past and have had no issues getting the money back FAST and CONVENIENTLY. 100% recommend. Whenever we call they always answer quickly and they have such nice customer service representatives working for them. Thank you so much petsplusus.

Each time I go to the vet my clinic submits the documents for me and then I hear nothing and recieve no reimbursement. I have to chase this company, they always ask for extra documents and make my vet jump through hoops. I do not recommend. I would like to switch company's but am worried about exclusions with another company since my dog was recently diagnosed with hypothyroid issues and I don't think a new company would cover any of that. I guess I am stuck chasing this company around for everything that comes up. I have at least 2 claims that have not been addressed yet.

When you needed the most after my dog passed away they simply followed the protocol of rejecting claims...don't waste your time using this service, they are just for the money...I will NEVER use this service again!

This pet insurance company is a complete rip-off as they take $100 a month and provide zero customer service! They have made my experience in trying to put my dog down so incredibly difficult as they do not provide accurate information to veterinary clinics they are extremely difficult to get hold of by telephone and never respond to emails! My advice is to never ever use this insurance company.

They have yet to cover a single submission including routine vet visits which they state they cover. Everything I submit gets rejected as ‘elective.’ Their policy states ‘Consultations, exams, emergency care, hospitalization, drugs, surgery, anaesthesia, specialist referrals and other medical procedures performed by a licensed veterinarian.’ but I have yet to have any of those things covered.

This is by far the worst pet insurance company, they don't even worth 1 star rating. They never process any claims you make and they'll ask you for tons of papers and doctors' notes just to stall the reimbursement ... take my advise never deal with them

They gladly take your money but if you even speak to a vet during the first year about anything they put a permanent exclusion on the policy which means the pet is never covered. I am very surprised that Costco is associated with this company as it not complementary to the Costco customer satisfaction brand. Avoid this insurance company completely.

Terrible. They will gladly take your money and give you thing in return. They have take. Our money for a year and yet somehow told us when we went to make a claim that since they are waiting on information we are not covered. So in my opinion that’s stealing.

J’ai laissé un message et envoyé pas un, ni deux mais 3 courriels! Pas de réponse ! Et c’est pour vous payer! J’imagine comment ce sera si je demande un remboursement de frais !!!!

Absolutely terrible dishonest business with horrendous customer support and predatory practices - they will do anything to not pay out and change terms mid policy. After months of billing errors on their end, they finally sorted it out and collected multiple months worth of premiums from me in a lump sum, almost $500. I was originally fine with it - monthly premiums are part of having insurance, obviously, and technical errors happen. However, even though this was a simple billing issue (the charge was getting stuck in a pending status on their end) they said they had to reissue my insurance policy and it needed to be underwritten again. They then asked all this extra documentation for my dog from when he was a puppy 7 years ago in a city we no longer live in, even though I’ve had an active policy and been paying them premiums for MONTHS. I rejected this request on principle because I shouldn’t have to provide any additional documentation - it’s NOT a new policy and never should have been “terminated for non payment” in the first place - my credit card has been active and valid this entire time. This literally was not my problem or fault at all. After getting absolutely nowhere with their Support team (their replies would take weeks and I also spent about 10 hours on the phone with them), I disputed the charges via my credit card and reported this business to the provincial regulatory body and the BBB. I won my chargeback dispute and Visa sided with me immediately. I wish I hadn’t wasted MONTHS of my time trying to resolve this with PetsPlus directly. Such a waste of time. What a shady company, stay far far away! (I found them via Costco and I’m usually happy with businesses partnered with them but wow, worst decision I ever made).

Read your policy, as they barely cover anything. Might as well save up every year and pay for surprises out of pocket. You will come out ahead that way. Pets Plus Us barely covers anything.

The worst pet insurance provider ever! They will waste your time and reject your claims by repeatedly asking you to provide more information but that won’t change their mind to reject your claims no matter what your vet says!

Awful experience. Opened a policy through Costco program as when we got a puppy. Paid premiums and submitted expenses as they arose, however, only to find out months later that they did not accept our vaccination record at the underwriter. So we were paying for a policy that wasn't even active. It took 12 months to actually solve this, because the original shots the puppy got was at the breeder. Ultimately, claims were paid out but much closer to 40% of the total value after deductible, vs the 90% that I was paying.

Canceled the policy at the 12 month mark, and would have forgotten all about this experience, except that they continued to bill me without notification.

They then sent 3 months of bills to a debt collector, who contacted me 9 months later and 1 year after I canceled. This was an unwelcome surprise, and I hope this review turns away anyone considering using this provider.