The excerpted article was written by Nicole Brockbank · CBC News

Like many Canadians, Rebecca Shuster considers her two dogs part of the family. But now, with her aging pets struggling with health problems, she’s finding out the pet insurance she bought to protect them isn’t providing the coverage she thought it would.

The Vaughan, Ont. woman signed up with Petsecure, a Winnipeg-based company and Canada’s largest pet health insurance provider, more than a decade ago when she got her 13-year-old Shih-poo, Hope.

Since then, Shuster has spent more than $30,000 in premiums on the company’s high-end insurance for both Hope, and her 11-year-old dog, Zoe. She says she was shocked to discover that Petsecure can change how much of her vet bills it covers — and she wants other pet owners across the country to be aware that could happen to them, too.

“I thought I was buying the best safety net,” Shuster told CBC Toronto.

“We wanted insurance so that money wouldn’t be a deciding factor in the health care that we provide.”

But now Shuster is worried she could lose Hope over money.

Petsecure is lowering its coverage amount on claims for Hope by 30 per cent — but expects Shuster to continue paying the same $155 a month premium and $500 annual deductible.

In a letter, Petsecure told Shuster the change was the result of a review the company does for all customers’ claim activity; and that based on that review, the amount the insurer will reimburse for vet bills for Hope will go from 80 to 50 per cent on Jan. 1, 2020.

So Shuster’s share of future claims will more than double.

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