Petsecure | Pet Insurance Review

I insured my dog for 8 years, ever year they increased the price and the deductible, for 4 years I didn't have any claim, once my dog had a surgery they totally changed the plan, increased the deductible 400% than the original price. They are just there to get money the moment you need it they increase everything so much that is not worth it at all.

I won't get into details as it's the same review scades of others on this site have given. In order to avoid having to pay, this company will twist around whatever your pet is experiencing, to link it to some preexisting condition (even if it's unrelated). No wonder their rating is so abysmal!

My experience is nothing but the idea that you were paying for insurance and when it comes time to actually have a concern, coverage denied. What a waste of putting money into peace of mind that you have pet insurance and when then time needed the most, you have nothing. The lady on the phone was very pleasant and sympathetic. Great phone skills but this goes beyond her control. We have an 11 year old boston terrier who was perfectly healthy, only to one day find a scratch on the lens of his eye, (long story made short) his eye needed to be removed. Deemed not accidental which I don't see how else a scratch to the cornea would happen that would happen, and easy for them to say not covered. Nothing else, that was it. At this point its not even about the money, its the principle in which they review and decide on coverage. How can you say something so simple is actually that complicated and wrap words around. I come from a world of customer service and I know if my customers were treated this way I would be out of a job. Save your money, put in to a seperate account and save hopefully for a rainy day that never comes.

Unfortunately, our first-time experience with PetSecure was very disappointing. We encountered a lot of lack of transparency. Our dog was 10.5 and very healthy. When we noticed early signs of arthritis, we decided to get her insurance and went to the vet to get her blood work and X-ray done. In the meantime, I applied for Secure 3. It took about 48 hours to hear back from them. Our vet had already forwarded our dog's most up-to-date medical records. So when we spoke to a rep, she said that we were all set and good to go. I passed on my credit card details and the next day we received the 'binder of coverage' where the 'underwriting information required' part had caused some confusion. Our dog's only pre-existing condition would've been her arthritis and glaucoma. Her full examination took place within two weeks of the insurance application, but the binder stated, '...we have not yet received or not yet reviewed your pet's medical history...' That was not what the lady said on the phone. It might've helped if she'd clarified everything step by step on the day of the setup. I emailed records(at)petlineinsurance and asked what else was needed, but never heard back from them. Our dog had been healthy throughout her life! There were no records of any severe conditions. We don't know what our vet had passed on to PetSecure, except for our dog's clean blood work and X-ray. Unfortunately, right after the X-ray (she didn't take the sedation too well), she had days of bad vertigo. The vet said it would pass. Unexpectedly, on the Easter weekend, she suffered from a severe seizure, which led us to take her into the emergency after midnight. She had never had a seizure before. The vet did another blood work, which came out clean again. He concluded that our dog had a brain tumour. This was a shock to us. She was traumatized and in a lot of pain that night, while a week prior she was perfectly fine (chewed sticks and played in the water!). They gave her pain killers and some anti-seizure medication, which only helped her sleep, but the next morning, on Easter Monday, she woke up in more pain. We decided to put her down. It had all happened so suddenly. We'd asked both the vet and emergency clinic to pass the details on to Pet Secure. On the next business day, I called in to let them know about our dog's passing. The lady I spoke to pulled up the profile but hadn't seen the emergency clinic's notes right away. However, I was told on the phone that euthanasia and cremation would be covered. Due to our financial strain, I felt relieved when I heard that. As far as we were concerned, we thought our dog was insured. But at the end of the day, the same rep called to tell us that she'd spoken to her superior who said that they weren't able to cover any of the expenses (emergency clinic + euthanasia/cremation) because of the '14-day waiting period'. We were stunned. A few days later we received a letter from PetSecure confirming our cancellation and also indicated that they weren't able to cover any of the costs, because our dog was not 'enrolled' (!?!). The biggest problem overall was hearing one thing on the phone and reading the COMPLETE opposite on paper. The whole process of applying for pet insurance with PetSecure didn't go as smooth as we'd hoped. The lack of transparency made it very unclear about what was covered and what wasn't. The binder of coverage basically stated that nothing was covered.

I've had Persecure for my dogs since we first brought them home, hoping we'd never have to use it. Thankfully for the times that we have (bouts of diarhea, vomitting episodes) they have been fast and efficient paying our claims. Our vet was even able to submit our claim directly for us. In the last few years (knock on wood) our girls have been healthy, but persecure even reimbursed us for part of the routine dental cleanings. Would highly recommend.