In a previous job, I actually promoted PetSecure as a part of my position. I now sincerely regret that.
A week or two after we filed a claim for the first time, they sent us a letter claiming they had to raise our premiums due to "the new region of Canada we were in", but we had never moved.
It wasn't just an innocent error, either. We had made it known to them when we registered that my fiance and I lived separately, but shared custody of our dog. When they asked for my address on the claim form instead of his, they used that as a pretext to change our premiums-- and my address was in the very the same city, only 25 minutes away from his! The "region of Canada" excuse was clearly garbage.
When we called and straightened this out (in a very polite manner), they followed up by sending a letter informing us that our coverage no longer included six common health problems! Unbelievable.
Bottom line, we were penalized for making a claim the very first time we filed. We're going to be changing our insurance, not because we were underwritten, but because of the deceptive way in which they tried to make more money off of us first, under false pretenses.
Don't waste your time or money.