In 2003 I signed up my dog for petsecure 3. In 2007 he was diagnosed with diabeties. I was happy he had the insurance as I did not have to worry about treatment costs. I was even able to have cataract surgery to restore his eyesight that he lost due to the disease.
In 2010 he was diagnosed with a liver issue and once again all his treatment costs were covered. My dog died in 2011 and his cremation expenses were covered.
I found their customer service representatives to be very helpful and considerate. When I had a issue with my policy I felt they listened and the issued was addressed.
My main issue with the policy results from the increase in the required co-payments if you are deemed to be in the top % of claims, both in number or amount.
This affected me in that twice they wanted to increase my co-payments, I was only treating the diabeties at that time, but I was able to reason with them and explained that as the condition was chronic treatment was spread out over the life of the animal. I was advised if I made a claim for any other condition my co-payments would increase.
As a pet ages it is likely they will develope multiple conditions that require treatment and this is when you need the policy the most. As a result I would not purchase a policy with Petsecure again as I was able to purchase a policy where I am not penalized for multiple conditions and there is no limit on the payout for any condition and the price of this policy is comparable.
Karelian Bear Dog