This company basically just steals your money every month for the premium and denies any claims you make, regardless of what they are. My dog had an ear infection, a fluke accident, and they denied the claim because they said it was a pre-existing condition. I don't understand how an ear infection is a pre-existing condition and even had my vet write a letter stating the exact cause of the ear infection and how it just happens in dogs from time to time, it wasn't caused by anything he's ever had previously and they denied both my appeal forms. They are greedy, won't pay for anything, and make the entire process horrible. There is no one to even call about discussing a denied claim, their call center doesn't know anything and can't give you any information as to the reasoning for the denial. They said there is no way to contact the appeals team directly which is just ridiculous. Do not get insurance with them, they deny everything and do not care about your pets, just making money off of you.

This company is a fraud. After submitting all medical documents, I received a confirmation email that my cat was covered. Then they denied my claim because they said the documents I originally uploaded weren't valid. I spoke with several customer service agents, none seemed like they knew what they were doing as I received different information from each one, and one agent told me they don't look at medical documents until a claim is filed; so they falsely told me that my cat was covered when I originally signed up. Absolutely disgusting business practice. Don't use them. They'll steal your money and you'll still end up with a vet bill.

I would not recommend. Claims were denied on my senior dog when he started having liver issues because when he was a puppy he had a high liver enzyme reading after surgery. They claimed pre-existing condition. My other two dogs were still insured with them when they started not paying claims because I started using Pet Desk points and paid ahead on my account. When I used my credit balance they claimed I was getting discounted services. The line items on the invoice were not discounted, I was just trying to use my credit balance. That was when I did the math to see if I was really saving anything over a three year period. I was shocked to see that I was paying hundreds of dollars more by having the insurance. I no longer have the insurance and just set aside the money each month into a fund and I'm saving a lot of money. Update after response: An abnormal liver enzyme during recovery after a surgery is not a precondition of anything except normal metabolism of healing. Especially when there is many many years that it is normal again before a true illness occurs. My rating stands and I would give lower if I could.

Customer service is trained to not answer calls and delay working with customers. This company is a fraud who will not pay claims but will continue to increase premiums. If they know you are wanting to cancel they will actively make the process difficult. I worked with Jennifer who was rude and closed my chat twice when trying to resolve the issue. When trying to cancel they renewed my plan at a higher premium. This company should be avoided at all cost.

My claim was not processed properly until I had to call and the customer service representative realized that the claims processing did not operate as it should have. This whole thing was a nightmare. I couldn’t be more dissatisfied. At least your customer service representative was able to help me, because the rest of you all dropped the ball.

This claim was honored; others were not, contrary to correct medical findings and review

You should offer a bundle of insurance,renters,long term elderly,pet,auto, umbrella,ad it should be cheaper to get all you cover with one payment.

This company raises rates SIGNIFICANTLY every year, especially as your pet ages when you actually start to need the insurance the cost becomes unreasonable. They give you corporate answers as to why they’re increasing rates despite claiming they want the best for pets. Do yourself a favor and do a quick search about HealthyPaws rate hikes and you’ll see why people choose to leave them. Hopefully someone decides to investigate soon.

After eight years as a Pets Plus Us customer, I'm incredibly disappointed with the recent changes and lack of communication I've experienced. What started as a reliable insurance provider for my furry friend has transformed into a frustrating and potentially predatory service. The initial shock came when I noticed a premium didn't come out of my bank account. Upon calling Pets Plus Us, I was informed that my policy was discontinued and I hadn't opted into their new coverage. The problem? I never received any notification of this significant change. This lack of communication alone is unacceptable for a long-standing customer. However, the real issue lies in the details of the new plan. I was offered a policy with drastically reduced coverage – a drop from $5000 per incident to a mere $3000 annually total. This represents a massive decrease in protection for my pet. To add insult to injury, this downgraded coverage comes at a higher price, nearly $30 more per month than my previous policy. When I raised my concerns with Pets Plus Us, I was essentially told that this severely limited plan was my only option. Furthermore, they informed me that if I chose to explore other plans or insurance providers with better coverage, any prior vet visits – even for common issues like vomiting or accidental ingestion – would be considered pre-existing conditions. This is a blatant attempt to strong-arm loyal customers into accepting a subpar product with significantly reduced benefits. This tactic feels incredibly disingenuous and borderline unethical. To penalize customers for exploring better options after unilaterally changing their policy is a terrible practice. It leaves me questioning the integrity of the company and its commitment to its customers. My loyalty of eight years has been met with a complete lack of transparency, a significant reduction in coverage, and thinly veiled threats. While I understand that companies can change their policies, the way Pets Plus Us has handled this transition is deeply concerning. I'm left wondering how this is even legal, and more importantly, I'm incredibly disappointed that this is how Pets Plus Us treats its long-standing customers. Be warned: what appears to be a reliable and trustworthy insurance provider can quickly become a source of frustration and financial burden. I highly recommend carefully reviewing your policy and exploring all available options before committing to Pets Plus Us.

They do not cover anything, and they will raise your prices up every year, and not notify before they do so.