Petsecure | Pet Insurance Review

Horrible, horrible company. I have a one year old French Bulldog puppy. When my dog was about 4 months she was bit by a tick on her face. I went to my vet and she examined the bite and prescribed me revolution so I can protect my dog from getting future ticks. The bite over next few days got even worse. So I came back to the vet again and she said don't worry it usually gets worse before it gets better. A week passed by and the bit was not getting any better. I visited my vet again and now the vet told me that I needed to do emergency day surgery on my puppy. After the procedure the vet charged me almost $800, and they recommended me to purchase puppy insurance. I thought that was a good idea as that day surgery my dog had would have been covered. So I did a lot of research and chose Pet Secure. Signed up for the best insurance that was supposed to be the most comprehensive without any exclusions. A few months passed by and I discovered my dog broke out in hives after changing over some of her food. I went to my vet to see what was going on and she said your puppy might have allergies. So we performed an allergy test for my dog which cost another $500. I found out my puppy is allergic to so many things as the French Bulldog breed is very sensitive. I processed my claim through Pet Secure feeling confident that I had amazing pet insurance that would cover any issues I have. That was not the case. The insurance company concluded that when my dog was bit by the tick she was scratching behind her ear therefore the allergies must have been present at that particular time. How does a tick have anything to do with allergies???? Obviously a dog cant choose where she is going to scratch; she is trying to scratch the huge cyst on her face from the tick but is also getting parts of her ear and other areas surrounding the eyes and such. It took me literally 4 months going back and forth with their vets talking to my vet. My vet told them that there were NO signs of allergies at the time of the bite from the tick. The insurance company would tell me they would follow up with me in a day or two and they would never call me. I would waste my precious time calling them and they not having any answers for me. As a pet owner how am I to know that if something actually serious happens to my dog that they are in fact going to cover the issue? If they are arguing over a $500 bill I cant see them covering a hip replacement that costs thousands of dollars.

They will take your money month after month and when your pet gets sick, they won't cover any of it. Paid 650$ for a vet visit (my dog had a cough) and got 0$ back because of some bogus loophole policy. Very upsetting. I'm switching to Trupanion as I've heard MUCH better things from their clients.

Stay away from this company. We didn't even get to a point where we could use the insurance and we realized they are a scam and only care about money. We have 5 cats and decided to look into getting insurance for them. Things started off fine. The rate for all 5 was reasonable and it seemed like a great idea. Then the problems started. First off we have two 11 year old cats and we were told they needed recent blood work and urine analysis to be insured. We mentioned how getting urine from these two cats is impossible as we've been told by are vet they are too fat to get urine and they refuse to use a litter box that has beads in it. We told the rep this when setting the insurance up. She then said it's up to the underwriter and led us to believe we could still get insurance without the urinalysis if the blood work was good. So off to the vet for blood work and exam costing $480. Then after sending all our documents in we are told they won't cover those two cats without the urinalysis. Lovely so we spent money getting the blood work for nothing. But you know what? I understand it's a risk to them so I'm fine with them not covering. My problem is they charged us for two months of insurance for these two cats and refuse to credit us back. They rather keep my $80 and risk bad reviews and me telling everyone I know not to use them. Seems smart to me. The fact the won't even do a good faith credit for this tells me they will be impossible to deal with when we actually do need to put in a claim. Also be aware of what your Vet has written about your animal before dealing with this company. They will use anything written as a way to get out of covering your animal. My vet wrote that one cat may have throat polyps due to her breathing on one visit. The cat was never tested and doesn't have throat polyps she is just anxious at the vet. Petsecure used that statement to exclude covering any respiratory issues with that cat. Save your money folks. Giant Scam!

Petsecure refused all claims for our 7 month old kitten who had to be put down due to FIP (a rare degenerative, viral, kitten disease. Kittens with it do not become adult cats). Their reasoning was that it was a pre-existing condition, despite the kitten having a clean bill of health up until the day he had blood work done to find out why he was acting weak and uncoordinated. I submitted claims for his diagnostics, his medications, and his eventual euthanasia and cremation, of which I received $0.00, and when I pushed, argued, guilted, and eventually cancelled my plan for both my cats, I received a $0.81 (yes, 81 cent) payout from them.

After the deductible of $200, $43 non-insured item and 80% co-pay I will get less than 50% of the bill total. I would never tell anyone to use Petsecure!