So we had Petsecure while our pup was just that - a pup. Then I found myself unemployed and having to buy a condo, so the 50 bucks a month seemed a little steep. Once she started hitting up daycare and we were settled again, I resigned up... lucky, because she started presenting a torn ACL/Luxating Patella a month later. Petsecure covered everything, including hydrotherapy, to 80%. They are always professional and helpful on the phone, and even paid the practice direct for her very pricey surgery.
I'm quite happy with the service, but wish they'd be a little faster with claims.
Also, it seems ridiculous that they don't pay for "routine maitenance" to me... shouldn't they be encouraging us to avoid illness and problems?