Petsecure | Pet Insurance Review

We got the 6-week PetSecure voucher from our breeder. Two days after bringing our Golden Retriever puppy home, she was diagnosed with a Grade 4 heart murmur, and after a visit with a cardiologist and a specialized ultrasound, with subaortic stenosis. At first, the dates of the voucher had been incorrectly entered, which would mean that we wouldn't have coverage. However, a quick call to the company fixed that right away. Not only did Pet Secure process our claim, but we're able to extend coverage and pick a level of coverage (Secure 1-4) without her heart disease being considered a pre-existing condition. Since our dog will need monitoring and care throughout her life, this is a relief. I do wish that there wasn't a risk of our coverage dropping below 80% coverage if we eventually make continued use of our policy, but that hasn't actually happened yet.

Petsecure has been part of our family/pet plan for 15+ yrs. We have never had a claim that was not paid within 10 business days. On one occassion our dog Sandi had surgery, came home and our other dog helped him out of his protective collar. Sandi was back in the hospital the same day as he re-opened everything again. Same surgery and we were covered for both! They have helped us through many tears. I recommend this company to many people.

Petsecure is happy to take your monthly premiums, but if you have to submit a claim - be prepared to be disappointed. Claims take over a month to be paid out, and then they get revenge on you having the audacity to submit a claim by increasing your premiums and decreasing your coverage. Our dog had a skin condition which required diagnostics and treatment, the claims were paid out (albeit slowly) and our dog made a full recovery. After being off medication with no claims for 7 months, we received a letter that our claims would only be covered at 60% going forward! They look at your previous 2 years of claim history - so if you have a large claim, expect to have your co-pay increased for a 2 full years after the claim. Not worth it!

Once your claims exceed what you pay out, all of a sudden you become responsible for 50% coinsurance rather than 20% NOT FAIR

I was not satisfied with this insurer and I cancelled my policy in writing with all the required information. Despite of the note in my policy package that reads :"You must make your request for policy cancellation in writing by mail,fax or e-mail. Your request for policy cancelation must include your name and other policy information to identify the policy. Cancellation will take place upon receipt of this notice. You shall be entitled to a refund of excess of the premium actually paid over the short term rate for the expired time." My month starts on the 12th and the money is withdraws from my account that day. I cancelled my policy on the 15 and... there will be NO REFUND????????????????