Is Pet secure insurance the best? Review 2024
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If you are a pet parent, you know vet bills can be substantial and usually hit you when you least expect them. That's why pet insurance can be a big relief and help guarantee your ability to pay for quality care at the veterinarian.
Did you know that the average cat owner in Canada spent nearly $2,800 in 2022 for pet care? For dog owners, this number was even higher at $3,500. Further, the cost of caring for an animal is increasing every year according to a study by HelloSafe’s team.
So it's about time to get the best pet insurance if you don't have one already. To help you, we've done a detailed review of Petsecure pet insurance, what it has to offer, pros and cons, prices, and why it may be right for you.
Our 2024 review of Petsecure insurance
Petsecure Pet Insurance, established in 1989, is one of Canada's largest and most trusted providers of pet insurance. With comprehensive coverage and preventive care, Petsecure offers four levels of insurance, reimbursing up to 80% for treatments and veterinary services.
They cater to dogs and cats of all ages and breeds, and also provide multi-pet discounts. So let's dive straight in and look at the pros and cons of Petsecure to see if it's the right fit for you.
Why Petsecure could be right for you:
- Petsecure offers four plans to choose from
- Easy-to-navigate online portal
- Online chat support
- Good dental coverage
Why Petsecure may not be right for you:
- Only up tp 80% reimbursement
- No direct vet payment
Compare quotes and options before choosing pet insurance with Petsecure. A little shopping around can help you save money and find the coverage that fits your needs. So try our easy-to-use comparator for quick quotes from the best pet insurances in Canada:
Compare the best pet insurance plans on the market!
What is Petsecure insurance's coverage?
What does Petsecure cover?
Petsecure offers four plans for your pet: Secure 1, Secure 2, Secure 3, Secure 4. Each of these has different coverages based on the deductible and policy.
Check out our chat to see the differences between the plans:
| Cover | Secure 1 | Secure 2 | Secure 3 | Secure 4 |
|---|---|---|---|---|
| Coverage | 80% reimbursement | 80% reimbursement | 80% reimbursement | 80% reimbursement |
| Accident | $1,000 | $2,500 | $5,000 | Unlimited |
| Illness | $1,000 | $2,500 | $5,000 | Unlimited |
| Dental | $200 | $300 | $400 | $600 |
| Wellness |
What does Petsecure not cover?
Like other pet insurance providers, Petsecure excludes coverage for pre-existing conditions, which include any condition with symptoms or onset prior to enrolment or within waiting periods.
They also do not cover:
- prescription food,
- special diets,
- spay/neuter surgery,
- breeding-related expenses,
- elective procedures like tail docking or ear cropping.
Good to know
It is advisable to read the policy documents carefully and check with the provider for the details on pre-existing conditions.
How much does Petsecure pet insurance cost?
The price of pet insurance coverage with Petsecure will vary depending on your situation. For example, the age, size or breed of your animal. Also, the type of coverage you need. Do you need a cat insurance, or a dog insurance? Therefore, it will be important to get an individual quote customized for your unique needs.
For instance, consider you have a 5-year-old pet and opt for $2,000 coverage at 80% with a $100 deductible. Then, you'll be paying a monthly premium of $57 or an annual amount of $684.
Expert advice
The provider offers a 10% discount for enrolling three or more pets, and 15% for six or more pets. So, the more the merrier!
Before settling on Petsecure pet insurance, make sure to compare all the best offers currently on the market using our frre online tool below:
Compare the best pet insurance plans on the market!
How does Petsecure insurance work?
How do I purchase a plan with Petsecure?
If you would like to purchase a Petsecure insurance policy for your pet, you can do so online. All you need to do is fill out a quick form by logging on Petsecure's website on your dog or cat's age, breed, and get a quick quote right after.
You could also drop by at a local branch and get all the information you need for your insurance policy. Based on the health and age of your pet, they might ask you to do a medical exam to rule out pre-exiting conditions.
Once you buy your insurance, you will have a waiting period based on the conditions of your specific policy type.
How much petsecure insurance do I need?
How much pet insurance you need will depend on many different factors. These include your pet's:
- Age
- Sex
- Breed
- Existing health conditions
- Current health
How do I file a claim with Petsecure pet insurance?
In the event you need to file a claim, you can do so by logging into your account and downloading a claim form.
Pay your bill in full and have your vet or an authorised clinic employee fill out section 2 of the claim form.
Fill out sections 1 and 3 of the claim form. Remember to sign your form, then send it to:
- Petsecure email: [email protected]
- Petsecure Fax : 1-866-501-5580
- Petsecure mail address:
Petline Insurance Company
301-600 Empress Street
Winnipeg, MB, R3G 0R5
How to cancel my Petsecure policy?
If you wish to cancel your policy, you must make a request in writing by email, fax or mail, provided in your policy document.
You could also call them at 1.800. 581.0580 for further details and assistance on cancellation.
However, canceling your policy might put your pet at risk of not having coverage and result in expensive vet fees should something arise. Besides, the cost of owning a pet, even if it's healthy, is generally quite high without pet insurance.
Can I transfer my Petsecure plan?
You might find yourself in a situation where you would like to change your pet insurance provider, for example, to get a better deal. When doing so, there are some factors to take into consideration:
- Difference in coverage - a medical condition may be considered pre-existing to the new insurer at the time of enrolment, and, therefore, not being covered.
- There may be an unavoidable waiting period before your new policy begins.
- Immediate savings of a new policy may ultimately cost more in the long run - the cost of on-going treatment.
How can I contact Petsecure insurance?
The best way to get in touch with Petsecure is by either calling their customer care number or by reaching out over email.
- Petsecure insurance phone number: 1-800-268-1169
- Petsecure email: [email protected]
It is important to choose the right policy that meets the needs of both your pet and yourself. This is to ensure that if a problem arises, it will be covered by your insurance. Take time to shop around and compare insurers by using our comparison tool below and get quick quotes.
Compare the best pet insurance plans on the market!
