Our team researched Petsecure’s Pet insurance coverage, cost, and customer satisfaction reviews.
Our Grade: B+
Petsecure is one of the oldest and largest pet insurance providers in Canada. Founded in 1989, Petsecure is owned and operated by Canadians.
With four different levels of coverage, Petsecure’s plans offer something for every pet owner.
Petsecure Pet Insurance Review: Top Highlights
- Dental care included in all plans
- 4 plans with varying levels of coverage
- Wellness plan option
- $1000 extra coverage for lost pet, holiday cancellation
- Wide range of deductible options
Petsecure Pet Insurance Coverage
Petsecure has four different levels of coverage that is broken down into three groups:
Both Accident and Illness plans include the following:
- Diagnostic exams
- Alternative therapy
- Behavioral therapy
- Medical devices
All plans even include dental coverage after six months and includes the following:
- Annual cleaning and/or any teeth or gum related problem.
Petsecure Plans Breakdown
Petsecure Wellness Coverage Details
Petsecure’s wellness coverage includes the following:
- annual exams and vaccinations
- blood tests
- heartworm tests
- flea control
- a wellness profile
Other Benefits In Petsecure Coverage
All of Petsecure’s plans also include a $1000 per-incident benefit for lost pet rewards, holiday or trip cancellation, cremation services and/or boarding of your pet if you are hospitalized or in an accident.
And a further $50 in Memoriam donation to the Canadian animal community in honor of your pet.
Hereditary and Congenital Conditions
All of Petsecure’s plans cover hereditary and/or congenital conditions as long as they aren’t pre-existing.
Alternative and Behavioral Therapy Petsecure Coverage
Petsecure offers both alternative and behavioral therapy coverage under all of their plans.
Petsecure will cover up to $350 of alternative therapy which includes are acupuncture, massage therapy, and medical devices.
Chronic Conditions Petsecure Coverage
Chronic conditions are also covered under all of their plans similar to most pet insurance companies.
Petsecure Benefit Limits
Petsecure’s Benefit Limits range from $1,000 to Unlimited and are broken down by their Secure 1 through 4 plans as spelled out above in the coverage section.
Petsecure has one reimbursement choice for all plans of 80%. While this is a fair amount of reimbursement, it’s always nice to have more options.
You are reimbursed on the vet bill as is customary of the best pet insurance plans.
Petsecure Deductible Type
Petsecure works on an annual deductible and it is an aged based model.
Their deductible A has deductible choices ranging from $100 – $500
Their deductible B plan has deductible choices ranging from $200 – $700
Their higher end Secure 4 plan has the following deductibles:
The annual deductible means that policyholders must pay the deductible once annually. The higher the deductible payment, the lower the monthly premium.
What Is The Cost Of Petscure Pet Insurance?
Petsecure’s prices can vary depending on which coverage plan you choose. And, of course, if you have a cat or dog, their age, and the deductible choice.
The monthly premium can cost anywhere from $25 to $100.
You can just download their claim forms from their site, have your veterinarian fill it out and either fax or email it back to them.
If you sign up for a direct deposit, the claims will be reimbursed more quickly.
You can use any veterinarian of your choice in Canada.
Enrollment and Waiting Periods
Enrollment in PetSecure starts at 8 weeks old and there is no upper age limit for dogs and cats.
Accident coverage begins after 48 hours and there is a 14-day waiting period for illnesses. There is also a 6-month waiting list for IVVD disease, cruciate ligament issue, and dental coverage.
There is no waiting period for preventative care coverage.
PetSecure Questions and answers?
Are there any exclusions with Petsecure?
Petsecure will not cover any conditions that are pre-existing.
Are there any discounts offered?
If you enroll 3 or more pets, you get a 10% discount. If you enroll six pets, you get a 15% discount.
Does Petsecure allow older dogs and cats?
No. You can enroll your dog or cat any age.
However, if your dog is older than 8 your cat is older than 10, you need specific medical tests done to make sure they meet Petsecure’s approval.
Are there any extra perks when enrolling?
They will reimburse policyholders $1,000 for things like trip cancellation or even if you have to board your pet in an emergency.
How can you get in touch with Petsecure?
You can call them at 1-800-268-1169. They are available Monday through Saturday and closed on Fridays.
Summing Up Petsecure
Petsecure offers coverage with many choices and extra perks. You can budget your plan fairly easily because they have four levels of coverage and many deductible choices.
Or if you want to see some other Pet insurance company reviews in Canada, take a look at our review of Pets Plus Us!