Petsecure | Pet Insurance Review

Similar to other posters I received a letter yesterday notifying me that my co-insurance would be bumped to 70% because I have made too many claims in the last little while. Correct me if I'm wrong but I believe Pet secure prides themselves on their "Secure for Life Guarantee" which states "we promise to our customers that their pet will never run out of coverage and that their pet's premiums won't rise. we also guarantee that as long as you remain a petsecure member you can continue to maintain your pet's existing coverage year after year after year," According to this my coverage should stay at 80% should it not? I got pet insurance to protect myself and my dog in the event of unforeseen emergencies. Now that I have had to make use of it I am being penalized.

Both of my Bernese Mountain Dogs are secured with Petsecure as well as my Siberian Cat. I would never use a different insurance company as Petsecure has always gone above and beyond for me. Wylie has a slew of congenital defects and every claim that I've submitted has been processed efficiently and there have never been any questions. Bentley was a rescue and came to em at 3 years old. Petsecure insured him right away and there have been no issues yet - thank goodness! I have Secure 4 for both dogs, which includes preventative health (exams, blood work, fecals, sentinel etc) and I think it's definitely worth every penny and my peace of mind. Thanks Petsecure!

Our cat Howard ingested toxic peace lily and he had to stay for 2 ½ days in the emergency veterinary hospital. He was on fluid therapy, IV and other medications to help the toxins pass from his blood stream and kidney levels. Getting a $770 bill from the vet wasn’t exactly something we had planned for, but we filled out the Petsecure claim form and sent it in right away for reimbursement. The last thing we wanted was a huge bill on our credit card. I was honestly expecting the cheque to take a couple of weeks to get to us but it was only 3 business days! I couldn’t believe it… It was nice to have over half of the cost covered by Petsecure and so quickly! The claim form was easy to understand and faxing it in was simple. If you’re looking for a no-hassle way to get great coverage (renews annually…so if this ever happens again (hopefully NOT) he would be covered) and an insurance company that looks out and cares about their members, then get your pets enrolled with Petsecure.

We had always passed on pet insurance in the past viewing the purchase quite cynically. Our beloved 16 year old cocker Sam passed away two years ago and in light of the extraordinary expenses incurred in his geriatric care, we decided our next dog would be insured. Our vet recommended Petsecure for, Friday, a beautiful chocolate American Cocker. Thank goodness -- treating his skin problems associated with his allergies has, since January, already cost in excess of $1,000. You can fax the necessary receipts and form to Petsecure and expect reimbursement within two weeks. It's easy, painless, and takes the sting out of the vet's bill. We would wholeheartedly recommend this plan.

Let me start by saying that I insured two cats with PetSecure and have been paying in and around $80 / month total in premiums. One cat, Spike, was insured on the very first day I brought him home from the breeder... From the very beginning I started getting notices in the mail saying my premiums were going up, or going down, then going up again. I received another notice saying coverage for dental was going down. Dental was one of the big reasons I got pet insurance to begin with. Spike got sick with respiratory issues about a year ago. Refund came in as promised for that first time claim for Spike. I was happy, was telling all my friends how great PetSecure was. About a month ago his illness returned. I had a largish vet bill, around $900 for this illness, in total. I submitted my claim and got a refund for $350. Now, I'm not an expert at math, but this is NOT a 20% co-pay. I called the customer service and was told that my co-pay went up to 50% because I was in their top ten the year before with a claim of about $1400 for Spike's first illness. PetSecure *might* be good if your pet never gets too sick, or if they only get sick once. But once you make a claim, watch out because you're on their radar and will find yourself paying 50% of your vet bill, you premium, and your deductible. So, not only would I never ever recommend this company again to anyone as I have in the past, I have now gone to my friends who signed up because I recommended this company, and have told them to beware and look into other pet insurance options.