we had pet secure since the day we got Lola. they paid our claims for palate surgery and tooth extraction and her skin allergies, but after the second year they reduced our coverage to only 60% from 80%. to me that was a deal breaker. in the end I canceled, but I got more money from them than I paid. so there.Petsecure - have never used it. Winston had one ear infection before the coverage started so now they will not cover anything relating to the ears. Not sure if we will keep it or not.