Review Time
I had an extremely disappointing experience with Petsecure.
My cat became acutely ill shortly after my coverage began. Despite the illness being sudden and clearly not pre-existing, Petsecure denied the claim based on a 48-hour waiting period technicality — effectively classifying an emergency as “pre-existing or foreseeable,” which is both misleading and unreasonable.
While their policy language may allow this, the way it is applied shows a complete lack of compassion for pet owners dealing with real medical emergencies. Emergencies don’t wait for arbitrary timelines, and denying coverage under these circumstances feels like poor customer service at best and bad faith at worst.
I was trialing Petsecure with the intention of continuing coverage and insuring my other cat as well. Based on this experience, I will not be renewing and will be taking my business elsewhere. I’m sharing this so other pet owners understand how claims may be handled if their pet becomes ill during the waiting period.
If you’re considering this company, read the fine print very carefully — especially if you expect support when you actually need it.
I had an extremely disappointing experience with Petsecure.My cat became acutely ill shortly after my coverage began. Despite the illness being sudden and clearly not pre-existing, Petsecure denied the claim based on a 48-hour waiting period technicality — effectively classifying an emergency as “pre-existing or foreseeable,” which is both misleading and unreasonable.While their policy language may allow this, the way it is applied shows a complete lack of compassion for pet owners dealing with real medical emergencies. Emergencies don’t wait for arbitrary timelines, and denying coverage under these circumstances feels like poor customer service at best and bad faith at worst.I was trialing Petsecure with the intention of continuing coverage and insuring my other cat as well. Based on this experience, I will not be renewing and will be taking my business elsewhere. I’m sharing this so other pet owners understand how claims may be handled if their pet becomes ill during the waiting period.If you’re considering this company, read the fine print very carefully — especially if you expect support when you actually need it.
Save your money. I took my dog in for an acl injury and was denied coverage, and told that forevermore this type of injury would be excluded because he developed it before 6 months. What am I paying these high premiums for??I fundamentally disagree with the premise of paying substantial monthly premiums only to have coverage denied for a common condition based on exclusions buried in policy wording and waiting-period clauses. Regardless of how these exclusions are framed contractually, the outcome is that the insurance does not function as protection when it is actually needed.From a practical and financial standpoint, continuing to pay premiums under these circumstances represents poor value. I am therefore choosing to cancel the policy and instead allocate those funds to a dedicated veterinary savings account for my dog, where the money is accessible without exclusions, technical loopholes, or discretionary interpretation.
They opened an account with the wrong person as the owner, locking me from registering my 2 pets/account numbers under my email because now my email is tied to someone I don't have access to. Won't allow me to ID/verify myself and make the account corrections
I have been in petsecure for my dog since she was 8 weeks old. She is now 10 years and one month. I have paid my premiums, made only a few claims for accident and injury, and even paid more when they increased my premium at the leisure during inflation post covid. She’s had two illnesses this year - one that the vets did a scope of her lungs, and some back pain that chiro fixed. This past weekend she got a severe case of gastroenteritis. 2 hours before I received notice of a them getting the most recent claim, I received an email telling me that due to increased use of her insurance in a short period of time, they’ve decided to reduce her coverage to 60%. Two hours later, they received my most recent $1K claim. I’ve paid $50-80 a month for 10 years and now that she actually needs to use her insurance, they’ve decided to randomly reduce my coverage. This is not reliable, trustworthy, respectable or fair execution of an insurance policy. To make matters more insulting, I have been recommending them for 10 years to other because her injuries were covered (eg, she got quilled once, cut her foot once). What a shameful company. My other dog was on trupanion for 11 years and they were AMAZING right up to his death. I wanted to compare plans so tried petsecure for this fog (she’s two years younger than the other). AVOID PETSECURE. They are not trustworthy. Check out trupanion instead.
We've been paying them hundreds of dollers for years, for the first time we submitted a claim and they made it so inherently difficult to process. they keep requesting documents that are un needed and delaying the process. and then a 300 doller claim for an emergency visit we receieved 13 dollers for, and our second claim of 800 is still on hold because they keep putting it as "held" for no reason. saying they dont have vet documents when our pets have NEVER been sick and we set up an account with all the documents. absolutely useless service, we have wasted thousands on it.
I sent an email with written information pertaining to the cancellation of my pet's insurance. I was notified through email that my insurance was indeed cancelled by a representative. However, I was charged an additional month though I didn't request continual coverage. I was told by another representative that I didn't state in email that I had requested to have insurance cancelled nor did I have the requirements of my personal information to confirm that I wanted to cancel. I did send emails that I wanted to cancel insurance due to rising cost of insurance and poor reviews. I did share the required personal information. The representatives were polite and respectful but weren't as helpful as I would have liked. Nor did the representative get back to me on phone or email though he said he would. I had to phone the next day to get confirmation my insurance was cancelled and ended up paying additional charge that I didn't request.
I paid into this company for 10 years. When my cat passed away they refused to pay for his cremation. Don’t waste your money on this company, they very seldom pay out a claim everything is a pre existing condition to them. You’re better off putting money into a savings account. Would give them zero stars if I could
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