Petsecure vs Petcare insurance. NEED ADVICE. - YorkieTalk.com Forums

deonk1 · 03-17-2011, 02:45 PM

Does anyone use these companies? I'm in Canada and use Petsecure, but I screwed up my plan by changing my deductible. If I go back to the cheaper alternative, then I risk losing coverage for anything I've already claimed for. Which includes an ear infection and the meds for an upset stomach.

I'm on Petsecure 1 plan for dogs, with a $300 monthly deductable
I'm considering Petcare Quickcare optimum.

I'm royally confused, and broke. so I'm trying to make a decision tonight, cause pet care is willing to give me a deal to switch tonight to them.

Thoughts? Man I hate insurance. Just last week the freakin car insurance company screwed me over and raised my premium without me knowing (I know sounds stupid, but they misinformed me and wont change it). I'm just frustrated with this mess.

deonk1 · 03-17-2011, 04:25 PM

Well the good news is that they've extended the discount. My mom suggested that I ask them if I can have til tomorrow night to make the decision. To test and see if they were just trying to pressure me into the switch.
I've scratched the choice of the Quickcare plan and am now considering the basic Master Care, because it's closer to my current plan. Any and all reviews are very appreciated. Don't neccessarily have to use these companies in Canada.

jennzy · 03-17-2011, 04:47 PM

Sorry. I don't know anything about it but I'd be interested to know as well!

deonk1 · 03-17-2011, 04:52 PM

Well I just did a break even analysis of the two (yeah I'm a business student) and there is a very marginal difference between the two. UGH I really don't know what to do. maybe I do just want to stay with Petsecure. Anyone know any other Canadian insurers.

carissa_ · 03-17-2011, 08:47 PM

i have rex on Petsecure plan secure 2 and 300 deductible. i have no complaints...so far been with the company since november 3rd 2009. i claim everything. and i have always got some money back

deonk1 · 03-18-2011, 02:23 AM

Yeah I'm starting to lean towards staying. What's killing me is the fact that I picked the $300 deductable. There would be absolutely no question if I stayed at the $150.

BonBon · 03-18-2011, 04:26 AM

Quote:

Originally Posted by deonk1

Well I just did a break even analysis of the two (yeah I'm a business student) and there is a very marginal difference between the two. UGH I really don't know what to do. maybe I do just want to stay with Petsecure. Anyone know any other Canadian insurers.

If they're that close in coverage and cost, I'd stay where you are. Switching to a new company may involve a waiting period where she'd be without coverage, and her ear infection would definitely be considered a pre-existing condition with them at least for a while.

Can I ask what you meant by a $300 monthly deductible? I've never heard of a monthly deductible and that sounds really high.

deonk1 · 03-18-2011, 07:20 AM

Quote:

Originally Posted by BonBon

If they're that close in coverage and cost, I'd stay where you are. Switching to a new company may involve a waiting period where she'd be without coverage, and her ear infection would definitely be considered a pre-existing condition with them at least for a while.

Can I ask what you meant by a $300 monthly deductible? I've never heard of a monthly deductible and that sounds really high.

Oops just realized I said month, it's annual.

I've decided to stay, I think either way I wont be happy but at least I have some coverage.

03-17-2011, 02:45 PM	#1
deonk1 YT 1000 Club Member Join Date: Apr 2010 Location: Winnipeg, MB, Canada Posts: 1,795	Petsecure vs Petcare insurance. NEED ADVICE. Does anyone use these companies? I'm in Canada and use Petsecure, but I screwed up my plan by changing my deductible. If I go back to the cheaper alternative, then I risk losing coverage for anything I've already claimed for. Which includes an ear infection and the meds for an upset stomach. I'm on Petsecure 1 plan for dogs, with a $300 monthly deductable I'm considering Petcare Quickcare optimum. I'm royally confused, and broke. so I'm trying to make a decision tonight, cause pet care is willing to give me a deal to switch tonight to them. Thoughts? Man I hate insurance. Just last week the freakin car insurance company screwed me over and raised my premium without me knowing (I know sounds stupid, but they misinformed me and wont change it). I'm just frustrated with this mess. __________________ Kendra Harley, you were the light in my life, rest peacefully my love!

03-17-2011, 04:25 PM	#2
deonk1 YT 1000 Club Member Join Date: Apr 2010 Location: Winnipeg, MB, Canada Posts: 1,795	Well the good news is that they've extended the discount. My mom suggested that I ask them if I can have til tomorrow night to make the decision. To test and see if they were just trying to pressure me into the switch. I've scratched the choice of the Quickcare plan and am now considering the basic Master Care, because it's closer to my current plan. Any and all reviews are very appreciated. Don't neccessarily have to use these companies in Canada. __________________ Kendra Harley, you were the light in my life, rest peacefully my love!

03-17-2011, 04:47 PM	#3
jennzy YT 500 Club Member Join Date: May 2008 Location: TOronto, Canada Posts: 804	Sorry. I don't know anything about it but I'd be interested to know as well! __________________ <Mickey & Coco>

03-17-2011, 04:52 PM	#4
deonk1 YT 1000 Club Member Join Date: Apr 2010 Location: Winnipeg, MB, Canada Posts: 1,795	Well I just did a break even analysis of the two (yeah I'm a business student) and there is a very marginal difference between the two. UGH I really don't know what to do. maybe I do just want to stay with Petsecure. Anyone know any other Canadian insurers. __________________ Kendra Harley, you were the light in my life, rest peacefully my love!

03-17-2011, 08:47 PM	#5
carissa_ Senior Yorkie Talker Join Date: Nov 2009 Location: BC, canada Posts: 117	i have rex on Petsecure plan secure 2 and 300 deductible. i have no complaints...so far been with the company since november 3rd 2009. i claim everything. and i have always got some money back __________________ My little man REX xoxo

03-18-2011, 02:23 AM	#6
deonk1 YT 1000 Club Member Join Date: Apr 2010 Location: Winnipeg, MB, Canada Posts: 1,795	Yeah I'm starting to lean towards staying. What's killing me is the fact that I picked the $300 deductable. There would be absolutely no question if I stayed at the $150. __________________ Kendra Harley, you were the light in my life, rest peacefully my love!