We've had Petsecure insurance for a year and submitted claims for two emergency surgeries (foreign object ingestion) and a skin condition that has actually now started to clear up. Our Great Dane is now over a year old and things seem to be settling out in a sense. However, upon the semi-annual 'risk review', we were thrown into the high risk group and were dropped from 80% coverage to 50%. In their letters to customers, Petsecure likes to promote their showcase examples of 'top claim' high payouts, but those are all single case scenarios. The company is very good at quick claim processing and will rapidly approve and pay initial or periodic claims; we were initially very happy with Petsecure. Rest assured if you submit more than a couple of claims, you too will quickly become a risk to their profits...and their shareholders. We are now disappointed in Petsecure, and are shopping around for a different company that won't penalize their customers for accessing benefits.