Petsecure | Pet Insurance Review

Please be careful with PetSecure regarding its insurance plan and coverage limitations. Plan and coverage details can change pretty unnoticeably without your consensus and agreement. We enrolled with PetSecure under the vet referral program for our large breed dog back in 2020. I have to give credits to PetScure related to its free trial period, claim process method, and the general coverage range of its plans. However, there are coverage limitations underneath its plans and not advertised anywhere. Moreover, these coverage limitations, and in fact, the policy coverage percentage could change based on the so-called company's "independent" review. To put a solid example, our dog was feeling a bit off (not willing to eat/drink for 2 days), and we visited our regular vet for a quick exam. The result was non-conclusive with a strong suspicion of hot weather/climate, and our dog recovered 2 days after the vet visit without any prescribed meds. Filed the claim with PetSecure, and then denied as the event was not an accident nor illness.... Moreover, at the end of 2021, we received a letter from PetSecure indicating our coverage will change from 80% to 50% in 2022, which is a 30% reduction in co-pay amount including the $200 deductible. Such that, previous a bill total of $250 will be able to satisfy each year's $200 deductible requirement, now will require a $400 bill total amount. Meanwhile, the main website still advertises 80% plan coverage....right, this is not a false advertisement for sure.... Anyway, one short conclusion, stay away from PetSeucre, and actually any majority of pet insurance providers if you have a healthy dog. Put away some money for special event of accident or major illness.

I have spent since October 2020 (it is April 2022) to upgrade my pet's insurance from accidental to a more comprehensive plan to no avail. I got the tests and exams they wanted done and had my vet send them over, but then didn't hear anything from them for months and my plan didn't change. I've called every few months, resent information, and someone was apparently reviewing my file but it never got properly attended to. Every person I spoke with was lovely but it didn't help me to get the insurance I wanted. I finally gave up after I called one last time (never was called back) and then sent an email which also got no response. I wasted hundreds of dollars getting the extra tests for nothing.

When my visa expired we forgot to contact pet secure. They said they called but they did not as I checked my phone records, they did email once . When we phoned to reinstate they said we could but all the previous issues would not be covered. What a convenient way to get rid of a customer who has too many claims. When I was on the phone I asked to speak to a supervisor, she put me on hold fir 15 minutes which I later found out the supervisor was sitting right beside her coaching her what to say to me. When I questioned the supervisor about how many calls were made to my number she recanted admitting she was right beside the rep I was talking to and the rep made a mistake. This supervisor lied and made up facts to ensure my dogs policy would not be renewed. Don’t use them. Go to another company. They are not trust worthy.

This company claims, after a full year, that they have still not received my pet's records, despite the fact that my vet has verification that the records have been sent three times. As a result, I can't make any claims. I've been paying premiums for a full year, and have had nothing but hassles. The vet has sent records via email three times and has phoned twice and the company still claims they've had no contact with my vet. Stay far, far away.

We purchased policies for two of our dogs. it was early in the pet insurance era so we didnt really know. but now that there are manymore options i will never give them another policy. sucks that we are stuck now with them without getting dinged for 'preexisting conditions' by going with another provider. oh also food for thought, dont ever get ANY 'free' trial insurance pet with your pet. Buy your own policy. If your pet develops a conditoin during that time it will be considered a preexisting condition and you will either be denied a policy or excluded for any treatment for that condition. Reason being is the trial membership does not roll over into your policy if you decided to go with the same provider (trial memberships expire and you therefore start a NEW policy with now preexisting conditions, it was a nightmare). If you want pet insurance, get your own policy straight away.