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Petsecure Pet Insurance Review

Our team researched Petsecure’s Pet insurance coverage, cost, and customer satisfaction reviews.

Our Grade: B+

petsecure logo

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

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Petsecure Pet Insurance Coverage

Petsecure has four different levels of coverage that is broken down into three groups:

  • Accidents
  • Illness
  • Dental

Both Accident and Illness plans include the following:

  • Hospitalization
  • Surgery
  • Diagnostic exams
  • Medications
  • 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.

Related: 10 Things You Must Know Before You Buy Pet Insurance

Petsecure Plans Breakdown

Secure 1 (Level 1) includes the following:

  • Accident coverage: Up to $1,000 per accident
  • Illness coverage: Up to $1,000 per illness
  • Dental coverage: Up to $200 annually

Secure 2 (Level 2) includes the following:

  • Accident coverage: Up to $2,500 per accident
  • Illness coverage: Up to $2,500 per illness
  • Dental coverage: Up to $300 annually

Secure 3 (Level 3) includes the following:

  • Accident coverage: Up to $5,000 per accident
  • Illness coverage: Up to $5,000 per illness
  • Dental coverage: Up to $400 annually

Secure 4 (Level 4) includes the following:

  • Accident coverage: Unlimited
  • Illness coverage: Unlimited
  • Dental coverage: Up to $600 annually
  • Wellness coverage: $350 for cats and $450 for dogs

Petsecure Wellness Coverage Details

Petsecure’s wellness coverage includes the following:

  1. annual exams and vaccinations
  2. blood tests
  3. deworming
  4. heartworm tests
  5. flea control
  6. 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.

Real Cost Savings from Healthy Paws Clients


Healthy Paws saved his parents


The playful pup Samson tore his ACL in a lively game of fetch. After surgery and rehabilitation, Samson is back to being active and never turns down a game of fetch!

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 pet insurance

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.

Reimbursement Method

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:

  • Their deductible A has deductible choices ranging from $250 -$500
  • Their deductible B has deductible choices ranging from $300 – $700

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.

Claims Process

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?

Sure is.

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.

If you live in Canada and are checking out pet insurance, take a look at Petsecure to see if it is the right company for you!

Or if you want to see some other Pet insurance company reviews in Canada, take a look at our review of Pets Plus Us!


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