I've used Petsecure for two dogs the past 8 years. My first dog was healthy and I had no claims for just under 5 years of his life. A month before he turned 5 he developed cancer that couldn't be treated and Petsecure paid according to our agreement to keep our dog comfortable during his last days and to cremate him. I was satisfied so when we got our next dog we of course signed on again. Unfortunately our new dog has ongoing issues and has needed a fair bit of help (under the $5000 range though) My premiums have gone up and my payouts have gone from 80% down to 60% and will likely drop to 50% in the near future. Total crap and I also wish I had just saved money in an account instead of using them. And that's exactly what I have been doing with my third dog who is just over 2. I've saved approximately $2000 so far so if something were to happen I could at least manage. Never again will i recommend Petsecure to anyone. They are also extremely slow at paying and often omit items until you call in and then they decide they will pay for them. Watch your invoices closely.