I had a policy with my english bulldog puppy. The breeder offered a tril which waived all waiting periods. I picked the most expensive policy, Secure4 and made some claims in the first month which were clearly stated as covered in the Secure4 policy details. They denied my claims saying that my policy was not in effect, and then I found out they did not setup my policy correctly. I had to call and e-mail SEVERAL times to address the issue, and after 4 months, they finally reviewed and attempted to correct the issue. They promised customer service credits which I never saw, and after the second assessment denied a few claims AGAIN wrongfully. I have already switched to Trupanion they have much better claims process, a sliding (non-changing) deductible, and they guarantee 90% coverage where PetSecure reserves the right to randomly reduce coverage to 50%.