I was given a free trial of Pet Secure after adopting my dog from my local SPCA.
The first day we got our dog home we fed him some food and he chowed it down very fast. Shortly after he showed signs of bloating and also had a little diarrhea. We took him to the vet right away because of the bloating and the vet informed us that it wasn't anything too serious and gave us some medicine for his stomach and he was fine for the next two weeks.
Fast forward to 2 weeks later and he was somewhat lethargic and not eating which is strange for him as he loves to eat. Took him to the vet again and was diagnosed with Parvo. We let the vet care for him for 1 day and decided to do home care for him ourselves. The next day that we got him back from the vet he was like himself again which is weird after reading horror stories of the Parvo virus. We treated him as if he was still fighting the virus and kept his fluids up and glad to say he's doing well. The one day care at the vet costed us $750. We put the claim through and was denied because Pet Secure stated that Parvo was a pre-existing condition and that he showed symptoms of the virus based on the first time we took him to the vet for bloating. While they may be right in that he most likely contracted the virus from the shelter but basing that decision on his first vet visit dealing with the bloating issue is just plain looking for an excuse not to cover the claim. Glad to say that I didn't waste any money with their useless policies. Like all insurance companies they will look for any reason to deny a claim even if they can make a connection to two unrelated issues. I currently have PetPlan for my two dogs now and have not had any issues with them. Keep your money and either a) Save the money you would have contributed to the insurance policy yourself for those unexpected vet bills b) Find an "actual" reputable pet insurance company such as PetPlan or Trupanion.