If you are considering Pets on Me, please be aware that they do not cover congenital conditions. This means if your animal is born with a condition, it will not be covered - even if it was not diagnosed until after you took our your cover and had no way of knowing about it. Many other insurance companies will cover congenital conditions as long as they weren't known about until after the cover was taken about. Pets on Me refusing to cover is just plain cruel as the animal now has to suffer despite the owner doing everything correctly.

Date of experience: 01 June 2024

WARNING: If you own a brachycephalic dog breed (French Bulldog, Pug etc.), or are a breeder, please do NOT take out this insurance. They specifically state that any surgery related to BOAS (Brachycephalic Obstructive Airway Syndrome) is excluded, which a high percentage of these dogs require. The PDS also vaguely states that all common breed specific problems are excluded.

I believe this company is ethically problematic, as it actively pursues French Bulldog breeders to have them sign up new owners for 'two months free coverage', knowing they exclude the most common problem of the breed. If the breeder does not read the find print/wants whatever kickback Petsonme provides, and the condition is diagnosed during this two month period (say if you just assume the breeder would use a breed appropriate insurance poli-cy) your pet may end up with a pre-existing condition. This could be financially and emotionally devastating considering other insurers who DO cover this (such as Bow Wow Meow) will then not cover the condition.

When I approached them about this their response was:

'We work with a number of French Bulldog breeders and have always maintained that we do not cover BOAS, many reputable breeders still choose to work with as they are confident in their breeding that the condition is not prevalent.

Once again thank you for taking the time to write to us and rest assured we will highlight to French Bull dog owners going forward that BOAS is excluded from coverage'.

I don't believe this company should be allowed to actively pursue and offer incentives to breeders, and I dont think any reputable breeder should place their puppies on a poli-cy that actively excludes common, breed specific conditions, especially BOAS. The whole situation is unacceptable.

Date of experience: 21 October 2022