Petsecure | Pet Insurance Review

I have been a customer of Petsecure for a quite some time and this is the first time I have submitted a claim. My dog had an abscess deep in his anal gland, and required surgery. He became ill with vomiting, loss of appetite etc later so he went back in for diagnostic tests. Total amount spent at the vet was over $800. With a $300 deductible, I was expecting at least around $400 back. The claim was submitted in Feb 2016, its now March 28 2016, on calling them today, I learn I am to expect $51 back!! It has not even been deposited in my account yet. I would have been better putting my $60 a month premium amount aside in a separate account to cover the vet bills, as it is, even after paying premiums all this time, I am out of pocket. I would not recommend this company.

I've got their insurance plan Secure 3 on May/2015 and took my dog for a physical examination as they ask. Last month, my dog hurt his leg and needed to see a vet. What was my surprise when my claim was held at Persecure due to absence of my dog's medical history...they will keep asking you for more and more exams and physical examinations that YOU should pay in order to accept your claims. I am extremely disappointed with the dishonesty and fraudulent behaviour shown by this company. Just save your money and do not get anything from they.

Having worked in the veterinary industry for over 20yrs I have had experience with many different pet insurance companies and have insured my own personal pets also. This is by far one of the worst insurance companies I have ever dealt with. There is ZERO client loyalty, they are disorganized and severely lack in the customer service aspect. In addition to continually penalizing clients when they actual utilize their insurance for its intended purpose by increasing rates or deductibles,and decreasing co-insurance ( the amount they are willing to pay out on a claim) , they seem to have a surplus of funds allowing them to "pay it forward" ( aka use our monthly premiums ) to other people's pets who are not already insured as a marketing strategy! I would recommend ANY OTHER insurance provider over this company, and when asked why by my clients I am happy to explain.

This company gets all its revenue from breeders and "free trials". If you actually have a sick pet, they will very quickly reduce your coverage. We started out paying $80 for 80% coverage, but after the first year they reduced our coverage to 50% (but kept the $80 fee). This company will not insure you after you make a claim. Our puppy had a very treatable condition, demodex, but even after he was treated and cured, Petsecure reduced his coverage from 80% to 50% while continuing to charge me $80 a month. It is fraud, not insurance.

Be careful, I have Petsecure 4, the suppousely premium one with unlimited coverage and apparently tons of extras, 80% reimbursable amount over eligible claims. My Morkie has 2.5 y.o., total reimbursed expenses so far around 6.5K and I just got a letter from them telling me that they will now pay 60% instead of 80% of my eligible claims. I'll start doing my work and research for a better one. Any recommendations? 20% just like that? She did not have any cancer or brain surgery treatment? I thought that by getting the most complete plan (4) I will have piece of mind, but now they are coming with this. Actually in the last year I've noticed that they are taking longer for reimbursements and they always state is due to a high season. As time passes through this company Petsecure is becoming disappointing. I have serious doubts that is a good choice for being our long term partner with Micaela's healthcare.