Petsecure Pet Insurance Review 2025
Petsecure Pet Insurance offers four flexible plans, covering accident, illness, and dental care. Their most comprehensive plan, Secure 4, offers Unlimited coverage. The reimbursement is fixed at 80% and the deductible choices start from as low as $100. All plans include dental care (with cleanings) and pet ownership assistance, both of which are usually add-ons with quite a few other providers. However, some of the plans are relatively more expensive than other pet insurance companies offering the same coverage. Petsecure is ideal for pet owners looking for both comprehensive medical and dental protection for their pets.
Petsecure Pet Insurance: Key Takeaways
- Pets covered: Dogs, cats
- Plans: Secure 1, Secure 2, Secure 3, Secure 4
- Annual Coverage Options: $2,000, $5,000, $10,000, and Unlimited
- Premium: $65.18 (Secure 2, for a 4-year-old Labrador Retriever with $300 deductible)
- Reimbursement rate: 80%
- Annual deductible: $100 and $300 (Secure 1,2, 3); $250 and $400 (Secure 4)
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Our 2025 review of Petsecure Pet Insurance
Petsecure Insurance, established in 1989, is one of Canada's largest providers of pet insurance. Petsecure Pet Insurance offers four comprehensive plans to cater to varying needs of pet owners: Secure 1 (2,000), Secure 2 (5,000), Secure 3 (10,000), and Secure 4 (Unlimited). This compares favorably with providers like Fetch Pet Insurance, which offers up to $15,000 in its highest plan, and Trupanion Pet Insurance Canada, which provides unlimited coverage. The reimbursement for all Petsecure plans is 80% and you can choose from deductibles starting at $100 (age-based).
These plans cover accident and illness treatments, and include benefits such as dental care, alternative therapies, and preventive care options. Petsecure distinguishes itself by offering a broad range of coverage options, including reimbursement for exam fees, which are often excluded by other insurers.
Dental coverage extends to annual cleanings and treatments for dental diseases, with higher-tier plans offering more comprehensive dental benefits. Alternative therapies such as acupuncture and hydrotherapy are included, and preventive care like vaccinations and wellness exams can be added through wellness plans. However, routine wellness is not included in standard plans and requires an additional premium.
Petsecure’s waiting periods are standard, with a 48-hour period for accidents and a 14-day period for illnesses. Petsecure is also available across Canada unlike Fetch and Spot that do not serve Quebec.
However, it has some drawbacks like higher premiums than other insurers, particularly for the coverage limit of $5,000. Further, it doesn't provide direct vet pay and offers only one level of reimbursement, while some other providers like Fetch offer different degrees of reimbursement, and Trupanion offers direct vet pay. Petsecure Pet Insurance reviews from customers are mixed when it comes to customer service and claims processing taking longer than usual.
Overall, Petsecure Pet Insurance is ideal for pet owners seeking extensive coverage options, including dental and alternative therapies, with flexible plan choices. It's especially suitable for those who value customizable plans and comprehensive protection for their pets.
What are the pros and cons of Petsecure Insurance?
Pros of Petsecure Insurance
- Comprehensive Coverage: Includes accident, illness, dental care, alternative therapies, and preventive care options.
- Flexible Plans: Four plans with various coverage levels and annual limits.
- Unlimited Annual Limit Option: Secure 4 plan offers unlimited coverage.
- Dental Coverage: Covers annual cleanings and dental disease treatments.
- Alternative Therapies: Includes treatments like acupuncture and hydrotherapy.
- Multi-Pet Discounts: Provides discounts for insuring multiple pets.
- No Age Restrictions: Open to pets of any age.
- Available across Canada including Quebec
Cons of Petsecure Insurance
- No vet direct payment option
- Age-based deductible increases with age
- Premiums are higher than average for the same coverage limit offered by other providers
- Only one reimbursement option is available
- Delayed claims process
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.
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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:
| Coverage | Secure 1 | Secure 2 | Secure 3 | Secure 4 |
|---|---|---|---|---|
| Reimbursement | 80% | 80% | 80% | 80% |
| Annual coverage limit | $2,000 | $5,000 | $1,0000 | Unlimited |
| Accident | $1,000 | $2,500 | $5,000 | Unlimited |
| Illness | $1,000 | $2,500 | $5,000 | Unlimited |
| Dental | $200 | $300 | $400 | $600 |
| Preventive care and routine exams |
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:
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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 to Petsecure's website on your dog or cat's age, and 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-existing 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 authorized 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.
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