Too many stipulations

Out of 10

One thing after the other with Pet Secure as to why they cannot pay the entire claim. I have not even been with them a year, and they have decreased coverages on one of my cats because I have made 3 claims with them since I received insurance, so now my cat is high risk, and will only cover 70% I am in the midst of switching insuance plans now, I think its disgusting how companies can "change their mind" on their own contract of rules. I would not recomend Pet Secure to ANYONE

Did you find this review helpful?
Claim Amount
Age of Pet

Leave a comment

Enter the characters shown in the image.
Posted: 04/23/2010

I have already canceled with petsecure and signed up with trupanion. The needs of my 2 dogs matched this company better.

Posted: 03/16/2010

Similar situation with me, but my co-pay went up to 50%!!!

Posted: 03/25/2010

In response to Becky's comment, I believe that this is the same Becky who has posted her own review and I have addressed her comment there.
Becky, you are welcome to contact me at or at 1-800-431-3132.

Best regards,


President & CEO
Petsecure Pet Health Insurance

Posted: 02/09/2010

I had pet insurance with Petsecure for my cat and I have had similar experience with them cutting off befits and putting him on broad exclusions. i agree with you I would not recommend them for.

Posted: 02/18/2010

With respect to the comment by Rasha Gad, we would never cut off benefits, nor would we put on broad exclusions once the policy is in-force. Exclusions are only put on a policy if there were pre-exisiting conditions that existed prior to the purchase of the policy. I make the same offer as I have to the others, if you would like to contact me I will be more than happy to review your specific concerns with you personally. I can be reached at 1-800-431-3132 x7341 or

Posted: 01/26/2010

I 100% agree. When I enrolled in petsecure, we didnt have to pay a deductible for dental cleaning which made petsecure more appealing than other companies. and dental coverage was $400. Now they changed their plan and staying with the similar premium I ony get $300 dental coverage and now I have to pay the deductible as well. (which is $300)so unless my dog gets an illness or accident dental coverage means nothing.

Posted: 01/29/2010

As President & CEO of Petsecure I would like to address the original poster and the follow-up comment by Sylvia. With respect to the 1/10 review, I am concerned that your co-insurance was increased and I would very much like to discuss this with you and get some additional information so that we can correct this to your satisfaction. You may contact me at or via telephone at 1-800-431-3132 ext. 7341. While it is true that we do adjust a small number of our clients each year for abnormal claims behaviour, no different than auto or home insurers, but the number is very small and in your case it doesn't appear that it should have been done. I look forward to hearing from you.
With respect to Sylvia's comment, your situation is different. When we initially launched the new Petsecure policies we included a very generous amount of dental coverage based on our prior claims experience. Within a few months of the launch we saw a very large increase in dental claims and also saw a high number of customers purchasing their policy, making use of the dental coverage and then cancelling their policy. This behaviour caught us by surprise and resulted in a 7% increase in our loss ratio. This was our mistake, but in order to support our thousands of clients we had to make this change. I am sorry for your experience and I make the same offer to you to contact me should you wish to discuss your particular case.

Sincerely yours,

Randy Valpy

Posted: 10/05/2010

I am in the market to consider pet insurance and I am so happy to come across this website offering feedback and reviews on various insurers. It gives a potential buyer enough knowledge to know which questions to ask. Thank you!
I just wanted to comment on the replies by the president of this particular insurance company. That is great that you are keeping your eye on the feedback and offering yourself up as being available to discuss issues on a personal level. So many companies nowadays are impossible to deal with in any kind of meaningful way, with the advent of voicemail, elevator music, and terrible customer service. To even have the opportunity to speak to a real person who is willing to talk to you is a great customer service gesture.

I wanted to comment however, that as president, you are only responding to negative claims, and not to the positive ones. I know you have to put fires out first, but it would be another notch in your customer service chart if you also showed appreciation for the positive reviews you have received here. Just a thought.