If you are currently Googling “Petsure review”, chances are that you are in a bit of muddle. Even more confusing is the fact that Petsure, the pet insurance company, is now Petgevity. The rebrand has left many pet owners scratching their heads. However, in this review, we will detail what Petsure, now Petgevity is, what their customers think, and if it is a company worth trying. Whether it is your first time getting pet insurance or you are considering a switch, here is what you need to know.
Now, what is Petsure/Petgevity?
Petsure is a company that provides pet insurance across various plans for dogs and cats, including senior pets, pets with pre existing conditions, or even multiple pets. However, somehow the company branding changed. Who knows why Petsure decided to become Petgevity? There is no straightforward answer for that that we could find. However, your coverage and your pet’s insurance status should stay unchanged.
Also, please note that if you are clicking on their previous domain Petsure, you may be redirected to their new site Petgevity or stumble upon reviews which claim to discuss Petsure while having Petgevity materials. In reality, it’s the same company, same cover, different branding.
Key Features of the Petgevity Insurance Plans
- Cat and dog insurance, and coverage for senior pets
- Discounts for the purchase of multiple policies
- Variable plans depending upon your budget feasible and your risk tolerance
- Digital claims process, the company asserts that you can most of the time have 24/7 customer support
When it comes to claims, you fill out online forms, just like most other companies. However, when your pet is sick or injured, that is when the real test begins. Let’s see when Petgevity gets it right, and if they leave consumers scratching our heads or worse shouting down the phone!
What’s Good (Pros)
There are a few reasons users love it.
After scanning through dozens of reviews and delving into the fine print, a few positives stand out.
Easy Application and Setup
Users generally have no complaints about how easy and fast the quote process is. You choose your level of coverage, tweak the deductible and you’re done. The site is clear and clean, and support reps are mostly helpful during the sign up process.
Older Pet Coverage Is Available
Unlike some pet insurers that cap coverage once pets reach a certain age, Petgevity has plans for senior pets. That’s a biggie if your cat is nearing 14 or your dog is starting to drag. Few companies will assume that risk.
Multi Pet Plans & Customized Coverage
If you have something of a menagerie at home, putting all your pets under one plan can save you money. The coverage is also adjustable you can dial it up or down depending on what you need, as well as your budget.
Some Success Stories with Claims
There are mostly real positive stories, however, amid all the bad ones (which we’ll get to), of people who filed claims and complained, they were reimbursed promptly.
Where It Comes Up Short (And Why That’s Important)
But let’s make no mistake about it, there are some potential catches you should know before buying. These issues are repeatedly cited in verified reviews,
Refusals on the Ground of “Pre Existing Conditions”
This is the number one complaint. Customers tell of claims being denied because the company argued there were symptoms before the policy even if based on broad and far past vet notes.
Insurers can even say that symptoms started, even if a pet never received a formal diagnosis.
Sudden Premium Increases
Many users report that their premiums increased at renewal, often doubling or even more with little explanation.
Some were able to call and haggle for lower premiums, but others simply canceled.
Difficult Claim Disputes
Some reviewers hit a brick wall when appealing denied claims. Emails go unanswered. Managers don’t call back. You’re fighting to be reimbursed between caring for a sick pet.
Lack of Transparency in Coverage
A few people also described surprises when they attempted to take advantage of dental procedures or diagnostic tests, assuming that they were covered when in fact they were not. The onus is on the prospective customer to pore over the fine print, but a bit more upfront from the company wouldn’t hurt.
Who Actually Handles Claims?
Petgevity’s claims are handled from the following address:
PETGEVITY CLAIMS, 2ND FLOOR, 5000 LAKESIDE, NORTH HARBOUR, WESTERN ROAD, PORTSMOUTH, PO6 3EN
Multiple other pet insurers use the same address for their claims process.
The company Insurance Factory are FCA registered and operate from this address, therefore it is likely that the claims process is outsourced by Petgevity to Insurance Factory.
What’s Actually Covered?
What’s Included
Coverage depends on plan, but Petgevity has,
- Accidents and emergencies
- Illnesses (non preexisting)
- Diagnostic tests
- Surgeries
- Some work that is dental (dependent on plan)
- Optional inclusions like routine care or vaccinations
What’s Not Covered
Like most pet insurers:
- Pre existing conditions
- Cosmetic procedures
- Elective surgeries
- Breeding costs
- Some dental cleanings
- Behavioral issues (on some plans)
Be sure you understand what your policy does and doesn’t cover, and ask questions before you enroll.
Real User Reviews, A Snapshot
Here’s a quick taste of what actual customers have been saying in public reviews,
- “User friendly, inexpensive and paid for our dog’s surgery. Very happy.”
- “They rejected my claim on “potential” pre existing despite a disagreement from my vet.”
- “Was great then had to renew premium went up 50% with no warning.”
- “Customer service is responsive and nice, but the claims department is slow.”
- “Do pay attention to the fine print. Dental isn’t all that great either.”
The pattern is one I know well things are going fine at the beginning, but when there’s a medical issue or renewal involved, it can be rocky.
Is It Worth It?
Here’s the real talk,
Petgevity (Previously Petsure) is not a scam. It’s a legitimate service with genuine backup resources and happy customers. And it’s not the most transparent pet insurer out there, with the potential for claim denials or rising premiums.
If you’re someone who,
- Has a young, healthy pet
- Doesn’t sweat the details of wonky policy
- Wants good coverage without the most expensive price tag
… in that case, Petgevity may be worth giving a shot.
If you have a long history of filing claims for your pet, or don’t want to haggle over what qualifies as “pre existing,” you may prefer to shop around.
Wrapping Up, Is It Worth the Money?
Pet insurance is a crapshoot anyway. You pay for peace of mind, hoping you will not need it and when you do, that the policy actually delivers.
Petgevity (also called Petsure) does some things right, fair pricing, good flexibility, and they provide strong customer service in many situations. But it also has the usual baggage that comes with many mid tier insurance brands exclusions, claim fights, and creeping costs.
So if you are going to sign up, go into it with your eyes wide open. Ask questions. Keep copies of vet records. Save emails. Know your coverage terms. That prep work can make a big difference later on.
TL;DR (If You’re Skimming)
- Petsure is now called Petgevity
- Provides good pet insurance coverage to dogs & cats
- Good for young animals, maybe not so good for chronic disease
- Claims process is hit or miss
- Renewal pricing can climb fast
- It’s important to read the credentials before you agree