I've had pet insurance for about a year with petsecure. I have the secure 4 plan. My dog just had a bilateral tplo surgery on Sept 1st...which was close to $7500.i I submitted the claim about a week after surgery. Petsecure has already processed the claim and we are getting reimbursed $5972. Our deductible was already paid so we got back the full 80%. Pet insurance has allowed me to focus on my dogs recovery instead of worrying about how to pay for it. I have not had any issues to date with the service or refusal to pay. However, they are quick to exclude pre-existing conditions. My dog did have skin issues when he was a pup, he was found malnourished & in -20 C weather. Because a skin scrap was done to test for mites and he was given a vitamin supplement to help his fur/skin, all skin conditions and related issues are excluded from his plan. Which is extremely broad and could cover a wide range of future problems. I would definitely recommend pet insurance though.