I am a veterinary assistant and have used Pet Secure for my dog in the past. After three incidences of them attempting to withdraw money from my account too early, resulting in expensive NSF fees from my bank, and their unwillingness to correct or even acknowledge the mistake I decided to switch to Pets+Us after meeting our local rep in clinic. I had never had to make a claim thankfully with Pet Secure so I cant personally attest to their process but I have had to with Pets+Us. I received an email just a few days later to say the money had been put in my account. They actually overpaid me by about $100.00. I called to ask them about it and was told I would get a call back. I did and the woman said in a nutshell, "Merry Christmas, our mistake". I was concerned about getting dinged for it later, which hasnt happened. Just a couple days later i filed a small claim for some extra pain medication and antibiotics for my dog, expecting I would get nothing back due to the over payment. Two days later, more money showed up in my account. Very happy customer!