Petsecure Pet Insurance Review 2025: Is It Worth It for Canadians?
Our expert's opinion on Petsecure
Petsecure offers a four-tier pet insurance suite (Secure 1–4) designed for accidents and illnesses with an accessible, expert tone that explains core mechanics and policy limits.
The plans share a standard 80% reimbursement (20% co-insurance) that can be adjusted upward to 30%, 40% or 50% after semi-annual review of past claims; annual, age-based deductibles increase as pets age and specific dollar limits are listed only in the separate Schedule of Maximum Amounts (not provided). Waiting periods: accidents 48 hours, illness/behavioural 14 days, dental/cruciate/IVDD six months; preventive care is included only on Secure 4 and wellness limits are unspecified.
Compared to main competitors, Petsecure’s strength is a clear four-plan structure with straightforward base reimbursement, adjustable coinsurance tied to claims history, and a pricing ladder from budget-friendly Secure 1 to higher-cost Secure 4 that bundles preventive care at the top tier.
Best suited for owners of young to middle-aged pets seeking modular coverage options and those willing to manage age-based deductibles, with Secure 4 aimed at owners wanting preventive care included.
Petsecure is administered from Winnipeg, Manitoba (contact and claims channels provided); the supplied documents include claims procedures and an online portal but do not disclose revenues, premium volume, or third-party review scores.
- ✅Four-tier plan choice
- ✅Standard 80% reimbursement baseline
- ✅Coinsurance adjustable by claims history
- ✅Age-based annual deductible schedule
- ✅Preventive care included on Secure 4
- ✅Behavioral and alternative therapies covered
- ✅Online portal and pre-authorization option
- ❌Specific coverage limits not included in summary
- ❌Coinsurance can rise up to 50%
- ❌Top-tier Secure 4 premiums are substantially higher
- ❌Pre-existing and bilateral-condition exclusions strict
- ❌Six-month waiting for dental/cruciate/IVDD
Our expert's opinion on Petsecure
- ✅Four-tier plan choice
- ✅Standard 80% reimbursement baseline
- ✅Coinsurance adjustable by claims history
- ✅Age-based annual deductible schedule
- ✅Preventive care included on Secure 4
- ✅Behavioral and alternative therapies covered
- ✅Online portal and pre-authorization option
- ❌Specific coverage limits not included in summary
- ❌Coinsurance can rise up to 50%
- ❌Top-tier Secure 4 premiums are substantially higher
- ❌Pre-existing and bilateral-condition exclusions strict
- ❌Six-month waiting for dental/cruciate/IVDD
Score- ✅Four-tier plan choice
- ✅Standard 80% reimbursement baseline
- ✅Coinsurance adjustable by claims history
- ✅Age-based annual deductible schedule
- ✅Preventive care included on Secure 4
- ✅Behavioral and alternative therapies covered
- ✅Online portal and pre-authorization option
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
The Petsecure Guarantees
Petsecure offers four plans — Secure 1, Secure 2, Secure 3, and Secure 4 — that span from entry/basic to more comprehensive coverage, with Secure 4 positioned as the plan that includes preventive care. All four plans reimburse veterinary costs for accidents and illnesses and include a range of clinical services such as consultations, diagnostic tests, surgery, hospitalization, alternative and behavioural therapies, and medical devices (subject to prior approval). Several customer benefits (boarding fees during owner hospitalization, holiday cancellation reimbursement, lost pet advertising/reward, cremation/burial expenses) are included in all plans and are paid without applying the annual deductible or co-insurance, subject to their individual limits.
The plans use a reimbursement model with a standard 80% reimbursement (20% co-insurance) after the deductible. Petsecure reserves the right to adjust a policyholder’s co-insurance based on a semi-annual review of claims activity (co-insurance may be changed to 30%, 40% or up to 50%). Deductibles are annual and age-based with two selectable options (A and B); deductible amounts increase automatically as pets age. Accident coverage limits are applied per incident and do not renew; illness limits are annual and renew each policy period. The specific monetary limits for each coverage type (accident, illness, dental, alternative therapies, medical devices, preventive care, etc.) are defined in a Schedule of Maximum Amounts that was not included in the provided documents.
Waiting periods are specified in the policy: 48 hours for accidents, 14 days for illnesses and behavioural conditions, and 6 months for dental, cruciate ligament injuries and intervertebral disc disease (IVDD). Preventive care has no waiting period on Secure 4 only. Key strengths include a clear plan tiering with a top-tier preventive option, inclusion of alternative and behavioural therapies when eligible, and a set of customer benefits paid without deductible or co-insurance. Main limitations in the available documentation are the absence of the Schedule of Maximum Amounts (so exact monetary limits are not visible), the insurer’s ability to increase co-insurance based on claims history, and age-related increases in deductible amounts.
| Secure 1 | Secure 2 | Secure 3 | Secure 4 | |
|---|---|---|---|---|
| Plan positioning | Entry / basic | Balanced | Enhanced | Premium (includes preventive care) |
| Type of coverage (accident, illness, both, etc.) | Accident & illness | Accident & illness | Accident & illness | Accident & illness (+ preventive care) |
| Animals covered (dogs, cats, other) | Dogs and cats (documentation focuses on dogs & cats) | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate | Standard 80% after deductible (20% co-insurance); co-insurance may be adjusted to 30–50% based on claims history | Standard 80% after deductible (20% co-insurance); adjustable | Standard 80% after deductible (20% co-insurance); adjustable | Standard 80% after deductible (20% co-insurance); adjustable |
| Annual reimbursement limit | Not specified in provided documents (See Schedule of Maximum Amounts) | Not specified (See Schedule) | Not specified (See Schedule) | Not specified (See Schedule) |
| Deductible (annual or per claim) | Annual, age-based; two options (A/B). Amounts vary by age/species (see deductible details below) | Annual, age-based; options A/B (see deductible details below) | Annual, age-based; options A/B (see deductible details below) | Annual, age-based; options A/B (higher starting amounts for Secure 4) |
| Age limits for enrollment | Not specified in provided documents | Not specified | Not specified | Not specified |
| Pre-enrollment health questionnaire | Not specified in provided documents | Not specified | Not specified | Not specified |
| Waiting periods (accident and illness) | Accident: 48 hours; Illness/Behavioural: 14 days; Dental/Cruciate/IVDD: 6 months | Accident: 48 hours; Illness/Behavioural: 14 days; Dental/Cruciate/IVDD: 6 months | Accident: 48 hours; Illness/Behavioural: 14 days; Dental/Cruciate/IVDD: 6 months | Preventive care: none; Accident: 48 hours; Illness/Behavioural: 14 days; Dental/Cruciate/IVDD: 6 months |
| Lifetime coverage | Not specified in provided documents | Not specified | Not specified | Not specified |
| Consultations | Covered when part of veterinary services for an insured condition (subject to limits in Schedule) | Covered | Covered | Covered |
| Medications | Covered when for an insured condition; medications must have required identifiers (DIN/PSN) — otherwise excluded | Covered | Covered | Covered |
| Hospitalization | Covered for insured accidents/illnesses (subject to limits) | Covered | Covered | Covered |
| Surgery | Covered for insured accidents/illnesses (subject to limits) | Covered | Covered | Covered |
| Diagnostic tests | Covered when part of treatment for insured conditions (subject to limits) | Covered | Covered | Covered |
| Dental care | Covered for dental problems (annual limit renews); specifics in Schedule of Maximum Amounts | Covered | Covered | Covered |
| Preventive care | Not covered | Not covered | Not covered | Covered (Secure 4 only; specific services and limits in Schedule) |
| Alternative medicine | Covered when performed or authorized by a veterinarian (annual limit renews; specifics in Schedule) | Covered | Covered | Covered |
| Travel coverage | Holiday cancellation reimbursement included (conditions apply; see policy) | Included | Included | Included |
| Civil liability | Not specified in provided documents | Not specified | Not specified | Not specified |
| Euthanasia | Euthanasia costs processed under Veterinary Services (medical recommendation required) | Same | Same | Same |
| Death & cremation coverage | Cremation or burial costs reimbursed if pet dies from insured accident/illness (subject to Schedule limits) | Same | Same | Same |
| Theft or loss + search expenses | Lost pet advertising and reward reimbursable with prior approval (subject to limits) | Same | Same | Same |
| Boarding fees | Boarding kennel & cattery fees reimbursed up to $25/day if owner hospitalized ≥2 days (limited to hospitalization period) | Same | Same | Same |
Deductible details (as specified in the provided documents):
- Secure 1, 2 & 3 (Option A / Option B):
- Up to 5 years: Dog $100 / $300 ; Cat $100 / $200
- 5 to 10 years: Dog $300 / $500 ; Cat $200 / $300
- 10+ years: Dog $500 / $700 ; Cat $300 / $400
- Secure 4 (Option A / Option B):
- Up to 5 years: Dog $250 / $400 ; Cat $200 / $300
- 5 to 10 years: Dog $400 / $550 ; Cat $250 / $350
- 10+ years: Dog $500 / $700 ; Cat $300 / $400
Petsecure Exclusions
Petsecure’s exclusions follow industry norms: pre‑existing or foreseeable conditions, any condition evident before the policy start date or during waiting periods, and bilateral rules (an issue on one side excludes the opposite side) are all excluded.
A noteworthy feature is a specific 6‑month waiting period for dental, cruciate ligament and IVDD‑related conditions and the insurer’s ability to adjust the standard 20% co‑insurance up to 50% after semi‑annual claims reviews, both of which materially affect net recoveries compared with some competitors.
Permanent exclusions include elective procedures, spay/neuter and related complications, pregnancy and associated conditions, prescription or therapeutic diets, medications lacking a valid DIN or PSN, and treatments intentionally caused by the owner; the insurer may review removal of exclusions for resolved conditions after 6–12 months symptom‑ and treatment‑free.
Cat‑specific exclusions apply where FIP, FIV or FeLV were diagnosed or showed clinical signs before policy start or during the waiting period, and the policy also excludes losses caused by acts of war, nuclear incidents or natural disasters.
| Exclusions | Details |
|---|---|
| Medical exclusions | Treatments not directly related to an insured accident or illness; elective/non‑therapeutic procedures excluded; euthanasia excluded unless medically recommended for an insured condition |
| Pre‑existing & bilateral conditions | Any condition showing signs or treated before policy start or during waiting period; bilateral rule applies (if one side pre‑existing, opposite side excluded); resolved conditions may be reviewed for removal after 6–12 months symptom‑free |
| Dental & orthopaedic specifics | 6‑month waiting period for dental, cruciate ligament and IVDD; certain conditions (e.g., cruciate injuries, patellar luxation, IVDD, gastric torsion) are always classified as illness for limits/waiting‑period purposes |
| Reproductive & congenital | Spay/neuter and complications excluded; pregnancy, whelping/queening and associated conditions excluded; congenital conditions evident before policy start or during waiting period excluded |
| Owner conduct & use exclusions | Accidents/illnesses intentionally caused by the owner excluded; use of pet for competitive, professional or business purposes excluded unless pre‑approved |
| Medication & product exclusions | Any food (including prescription/therapeutic diets) excluded; medications without a valid Drug Identification Number (DIN) or Natural Health Product Number (PSN) excluded |
| Administrative & service fees | Transportation or house‑call fees exceeding the cost of a regular examination fee excluded; other administrative fees handled as per policy |
| Cat‑specific infectious exclusions | Any illness in a cat diagnosed with or showing clinical signs of FIP, FIV or FeLV prior to policy start or during waiting period excluded |
| External events & catastrophes | Conditions caused by war activities, nuclear incidents, or natural disasters excluded |
| Geographic exclusions | N.C. (Not Communicated) |
The Cost of Petsecure
Petsecure’s pricing sits across a spectrum from mid‑range to premium depending on the selected Secure plan: Secure 1 and Secure 2 present more affordable, mid‑market options while Secure 3 and Secure 4 move the product toward higher value and premium positioning as reflected in the sample premiums.
The standard 80% reimbursement (20% co‑insurance) applied before an age‑based annual deductible, together with the possibility of increasing co‑insurance up to 50% after claims review and the undisclosed annual maximums (N.C.), are the primary drivers of out‑of‑pocket cost and therefore central to its competitiveness.
Key differentiators include several customer benefits paid without co‑insurance or deductible (boarding/cattery fees, holiday cancellation, lost‑pet advertising, cremation/burial), an online customer portal and a pre‑authorization process that streamline administration; these features help justify higher premiums on top plans compared with simpler, more traditional offerings.
Compared with older, less tiered providers, Petsecure’s multiple plan levels and clear age‑based deductible structure allow consumers to trade premium for broader service and higher limits, while the lack of publicly communicated maximum payable amounts (N.C.) means exact value comparisons require direct quote checks.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Secure 1 | Secure 2 | Secure 3 | Secure 4 |
|---|---|---|---|---|
| Dog Labrador 1 year | $62.95 | $89.18 | $137.28 | $242.59 |
| Dog Labrador 3 years | $62.95 | $89.18 | $137.28 | $242.59 |
| Dog Labrador 7 years | $62.95 | $89.18 | $137.28 | $242.59 |
| Dog Australian Shepherd 1 year | $47.55 | $67.37 | $103.71 | $185.04 |
| Dog Australian Shepherd 3 years | $47.55 | $67.37 | $103.71 | $185.04 |
| Dog Australian Shepherd 7 years | $47.55 | $67.37 | $103.71 | $185.04 |
| Dog French Bulldog 1 year | $63.58 | $94.54 | $146.89 | $278.97 |
| Dog French Bulldog 3 years | $63.58 | $94.54 | $146.89 | $278.97 |
| Dog French Bulldog 7 years | $63.58 | $94.54 | $146.89 | $278.97 |
| Cat European Shorthair 1 year | $38.99 | $53.53 | $80.85 | $148.44 |
| Cat European Shorthair 3 years | $38.99 | $53.53 | $80.85 | $148.44 |
| Cat European Shorthair 7 years | $38.99 | $53.53 | $80.85 | $148.44 |
| Cat Maine Coon 1 year | $38.99 | $53.53 | $80.85 | $148.44 |
| Cat Maine Coon 3 years | $38.99 | $53.53 | $80.85 | $148.44 |
| Cat Maine Coon 7 years | $38.99 | $53.53 | $80.85 | $148.44 |
| Cat British Shorthair 1 year | $38.99 | $53.53 | $80.85 | $148.44 |
| Cat British Shorthair 3 years | $38.99 | $53.53 | $80.85 | $148.44 |
| Cat British Shorthair 7 years | $38.99 | $53.53 | $80.85 | $148.44 |
Petsecure Promo Codes
| Petsecure Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
The Reimbursement Amount with Petsecure
With Petsecure (Secure 4) you pay any annual deductible first, then Petsecure reimburses 80% of eligible veterinary costs; you cover the deductible plus the remaining 20% co‑insurance.
✅ Example 1: Annual preventive care (vaccines and wellness exam)
Total vet costs: $220 (exam, vaccines, fecal test)
Deductible amount to subtract: $0 (deductible already met earlier in the year)
Amount reimbursable after deductible with the Secure 4 plan: $220 – $0 = $220
80% of that amount reimbursed: $220 × 80% = $176
Remaining out-of-pocket cost: $44 (20% co‑insurance)
👉 You receive a reimbursement of $176.
ℹ️ *Secure 4 includes a preventive care benefit, but limits are not specified in the schedule of maximums; check your policy for any sub‑limits.*
✅ Example 2: Cruciate ligament repair (TPLO)
Total vet costs: $8,500 (surgery, implants, hospitalization, diagnostics, rehab)
Deductible amount to subtract: $400 (annual deductible for a dog aged 5–10, Option A)
Amount reimbursable after deductible with the Secure 4 plan: $8,500 – $400 = $8,100
80% of that amount reimbursed: $8,100 × 80% = $6,480
Remaining out-of-pocket cost: $2,020 (deductible $400 + co‑insurance 20% = $1,620)
👉 You receive a reimbursement of $6,480.
ℹ️ *Cruciate ligament conditions have a 6‑month specific waiting period; pre‑authorization is recommended for high‑cost orthopaedic procedures.*
✅ Example 3: Emergency hospitalization for pancreatitis
Total vet costs: $3,200 (emergency exam, IV fluids, diagnostics, medication, monitoring)
Deductible amount to subtract: $250 (annual deductible for a dog up to 5 years, Option A)
Amount reimbursable after deductible with the Secure 4 plan: $3,200 – $250 = $2,950
80% of that amount reimbursed: $2,950 × 80% = $2,360
Remaining out-of-pocket cost: $840 (deductible $250 + co‑insurance 20% = $590)
👉 You receive a reimbursement of $2,360.
ℹ️ *Some conditions (e.g., bloat) are always treated as illnesses and are subject to the illness waiting period; reimbursements count toward any annual limits shown on your policy.*
Petsecure Assistance
Petsecure provides an online customer portal and pre‑authorization for planned treatments, allowing owners to confirm coverage before costly procedures.
However, the policy documents do not disclose an advance payment/direct‑pay program or a partner‑clinic network, so owners should expect to pay the vet first and submit claims.
There is no mention of a 24/7 emergency veterinary hotline or telemedicine support, a notable gap for urgent remote guidance.
Contact channels (toll‑free phone, fax, email) are published, but mobile app, instalment payment options and international coverage are not communicated and should be confirmed with customer service.
| Assistance Petsecure | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment or direct‑pay program disclosed. Details: N.C. |
| Payment facilities | ❌ | No instalment or fee‑free payment plan information provided. Details: N.C. |
| Mobile app | ❌ | No mobile app is mentioned in the provided documents. Details: N.C. |
| Paperless claims process | ✅ | Online customer portal available for claim forms and documents. Pre‑authorization for planned treatments is supported. |
| Emergency vet service | ❌ | No 24/7 emergency vet line or teleconsultation service found in the documents. |
| Vet/clinic partner network | ❌ | No partner clinic or direct‑pay network is disclosed. Details: N.C. |
| Coverage abroad | ❌ | International coverage details are not communicated in the provided materials. Details: N.C. |
Details: N.C.
Details: N.C.
Details: N.C.
Pre‑authorization for planned treatments is supported.
Details: N.C.
Details: N.C.
Petsecure Customer Reviews
| Review platform | Rating and number of reviews |
|---|---|
| 2.0 out of 5 / 13 reviews |
Some reviewers note that Petsecure “provides the coverage you'd expect, especially for routine and emergency care,” and describe the coverage as comprehensive, while emphasizing the importance of reading the fine print.
Multiple reviewers report claim denials (often cited as “pre‑existing conditions”), slow or difficult claims processing, challenges cancelling policies and continued billing after cancellation or a pet’s death, and exclusions or limits that felt unclear (e.g., spay-related complications not covered, caps on medical devices, no coverage for exchange-rate differences). Some reviews also mention coverage reductions after many years.
Here are some examples of customer reviews:
- R.P — 31 July 2025 “I paid into this company for 10 years. When my cat passed away they refused to pay for his cremation.”
- K.C — 11 April 2025 “I called at end of November 2024 to cancel my membership I figured that was that but no they tried to bill me December 4th & 15th AFTER I had already cancelled my membership then I got an email that confirmed feb 4th my membership was cancelled and after that an email that stated I owed them 130 and something odd cents.”
- A.H — 16 December 2024 “Overall, Petsecure Insurance provides the coverage you'd expect, especially for routine and emergency care. However, there are some important limitations to be aware of.”
Contact Petsecure
| Petsecure Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Petsecure website: www.petsecure.com. An online customer portal is available for existing policyholders to manage their account and access documents; other online subscription channels for new customers: N.C. |
| To request and track a reimbursement | Submit claims and supporting documents via the online customer portal, by mail to the claims mailing address, by fax to 1‑866‑501‑5580, or by email to reclamations@petlineinsurance.com. Claim forms and guidance are available on the customer portal. Required documents: completed claim form, itemized veterinary invoice and relevant medical records. Deadline: claims must be submitted within 180 days of the treatment date (claims submitted after this period are excluded). Reimbursement is calculated after applying the policy co‑insurance and the annual deductible; specific percentages and deductible amounts are shown on your policy documents. Reimbursement method (e.g., e‑transfer, cheque, direct deposit): N.C. |
| To obtain a certificate of insurance | Request a certificate via the online customer portal, by calling the toll‑free number, or via the Petsecure website contact channels. Whether a specific request form or additional documents are required, and typical processing times: N.C. |
| To contact assistance | Toll‑free phone: 1‑800‑268‑1169. Website: www.petsecure.com. Claims email: reclamations@petlineinsurance.com. Claims fax: 1‑866‑501‑5580. Claims mailing address: Petsecure Pet Health Insurance, 301‑600 Empress Street, Winnipeg, MB R3G 0R5. Online customer portal for forms, pre‑authorization requests and claim tracking. Service hours and additional assistance channels: N.C. |
| To cancel my policy | To cancel, contact Petsecure customer service by toll‑free phone or through the online customer portal or website to request policy termination. Specific cancellation procedures, required information to process the cancellation, notice periods, refund calculations and any administrative fees: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Petsecure?
Petsecure’s standard process is reimbursement: you normally pay the veterinarian and submit a claim for reimbursement. Claims can be sent to reclamations@petlineinsurance.com, fax 1-866-501-5580, or by mail to the claims address listed in your policy. An online customer portal is available for forms and documents to support your claim. Direct payment to the veterinarian is not communicated in the provided documents (N.C.). For planned high-cost procedures, request pre-authorization to confirm coverage before treatment.
How do I cancel my pet insurance policy with Petsecure?
To cancel, contact Petsecure by phone at 1-800-268-1169, via the website, or submit a written request referencing your policy number. Provide the policyholder name, pet details and a signed written request or email from the policyholder on record if requested. Ask for confirmation of the effective cancellation date and retain that confirmation for your records. Information about notice periods and prorated refunds is not communicated in the documents (N.C.).
What waiting periods apply before coverage starts?
Petsecure applies a 48‑hour waiting period for accidents and a 14‑day waiting period for illnesses and behavioural conditions from the policy start date. Dental issues, cruciate ligament injuries and intervertebral disc disease carry a 6‑month waiting period. Secure 4’s preventive care benefit is listed as having no waiting period. Any signs or treatments occurring during waiting periods are excluded from coverage.
How much will Petsecure reimburse and what are the deductibles and limits?
The standard reimbursement level is 80% (you pay 20% co‑insurance), although the co‑insurance can be adjusted to 30%, 40% or 50% based on claims activity. Deductibles are annual and age‑based; refer to your policy’s deductible table for exact amounts. Specific annual and per‑incident coverage limits are set in the Schedule of Maximum Amounts, which was not provided (N.C.). Contact customer service or check your policy schedule for exact numeric limits and any per‑benefit caps.
What is excluded or considered pre‑existing under Petsecure?
Pre‑existing or foreseeable conditions, and any condition showing signs before the policy start or during a waiting period, are excluded from coverage. Bilateral conditions are excluded on the opposite side if one side was pre‑existing. Routine preventive care, most dental treatments, spaying/neutering, pregnancy‑related care, cosmetic procedures and medications without a DIN/PSN are excluded (exceptions apply for Secure 4 preventive benefit). Review the exclusions section of your policy carefully for full details before enrolling.
How do I submit a claim and what support is available?
Submit claims with itemized invoices and supporting medical records to reclamations@petlineinsurance.com, by fax to 1-866-501-5580, or by mail to the listed claims address; the online portal provides claim forms and document uploads. Pre‑authorization is available to confirm coverage for planned or high‑cost treatments. The policy documents do not specify guaranteed claim processing times, so ask customer service for current average timelines (N.C.). Keep original invoices and detailed medical records to avoid delays when your claim is reviewed.
Do I have to pay upfront for veterinary fees with Petsecure?
Petsecure’s standard process is reimbursement: you normally pay the veterinarian and submit a claim for reimbursement. Claims can be sent to reclamations@petlineinsurance.com, fax 1-866-501-5580, or by mail to the claims address listed in your policy. An online customer portal is available for forms and documents to support your claim. Direct payment to the veterinarian is not communicated in the provided documents (N.C.). For planned high-cost procedures, request pre-authorization to confirm coverage before treatment.
How do I cancel my pet insurance policy with Petsecure?
To cancel, contact Petsecure by phone at 1-800-268-1169, via the website, or submit a written request referencing your policy number. Provide the policyholder name, pet details and a signed written request or email from the policyholder on record if requested. Ask for confirmation of the effective cancellation date and retain that confirmation for your records. Information about notice periods and prorated refunds is not communicated in the documents (N.C.).
What waiting periods apply before coverage starts?
Petsecure applies a 48‑hour waiting period for accidents and a 14‑day waiting period for illnesses and behavioural conditions from the policy start date. Dental issues, cruciate ligament injuries and intervertebral disc disease carry a 6‑month waiting period. Secure 4’s preventive care benefit is listed as having no waiting period. Any signs or treatments occurring during waiting periods are excluded from coverage.
How much will Petsecure reimburse and what are the deductibles and limits?
The standard reimbursement level is 80% (you pay 20% co‑insurance), although the co‑insurance can be adjusted to 30%, 40% or 50% based on claims activity. Deductibles are annual and age‑based; refer to your policy’s deductible table for exact amounts. Specific annual and per‑incident coverage limits are set in the Schedule of Maximum Amounts, which was not provided (N.C.). Contact customer service or check your policy schedule for exact numeric limits and any per‑benefit caps.
What is excluded or considered pre‑existing under Petsecure?
Pre‑existing or foreseeable conditions, and any condition showing signs before the policy start or during a waiting period, are excluded from coverage. Bilateral conditions are excluded on the opposite side if one side was pre‑existing. Routine preventive care, most dental treatments, spaying/neutering, pregnancy‑related care, cosmetic procedures and medications without a DIN/PSN are excluded (exceptions apply for Secure 4 preventive benefit). Review the exclusions section of your policy carefully for full details before enrolling.
How do I submit a claim and what support is available?
Submit claims with itemized invoices and supporting medical records to reclamations@petlineinsurance.com, by fax to 1-866-501-5580, or by mail to the listed claims address; the online portal provides claim forms and document uploads. Pre‑authorization is available to confirm coverage for planned or high‑cost treatments. The policy documents do not specify guaranteed claim processing times, so ask customer service for current average timelines (N.C.). Keep original invoices and detailed medical records to avoid delays when your claim is reviewed.
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