Petsecure Pet Insurance 2025: In-Depth Review, Coverage, and Pricing

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At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies available in the Canadian market each year, offering you a dependable and impartial analysis. Thanks to this thorough approach, more than one million Canadians trust us every month to help guide their most important financial decisions.

Petsecure Coverages

Petsecure offers four coverage tiers (Secure 1–4), all for dogs and cats, with Secure 4 notably distinguished by its inclusion of preventive care—an uncommon feature among Canadian pet insurers. All plans provide broad accident and illness coverage, dental, alternative therapies, and behavioral treatment as standard, but annual deductibles and minimum 20% co-insurance apply, with both possibly increasing for older pets or after high claims.
Strengths include full reimbursement of eligible expenses up to annual and per-condition limits, separate dental maximum, unique loss and reward benefits, and access to pre-authorization for some therapies and devices.
However, permanent exclusions for pre-existing, hereditary and congenital conditions are rigorous, waiting periods span from 48 hours to six months depending on treatment area, and coverage is unavailable for wellness care outside Secure 4, emergency assistance services (telehealth, hotlines), and most travel or breeding-related claims.

Important Considerations for Coverage

Dental coverage, ligament, and intervertebral disc disease all require a six-month waiting period and are only insured after this period if no related symptoms are present at enrollment. Pre-existing and hereditary conditions are permanently excluded unless specially reviewed and accepted after 6–12 months with no symptoms or treatment. Preventive care (wellness package) is only available with Secure 4 and is subject to a separate annual limit. All plans require co-insurance (you pay at least 20%) and annual deductible, both of which increase with pet age and claims use. No coverage for third-party liability or emergency/telehealth service; limits and pre-approvals apply to some benefits.

Petsecure Exclusions

Petsecure Prices

Petsecure positions itself as a mid-range provider in the Canadian pet insurance market, offering balanced pricing for the breadth of its coverage. Plans feature flexible deductible and reimbursement options, with higher tiers (Secure 4) including preventative care, but premiums reflect this expanded coverage and tend to be slightly above the most budget competitors. Out-of-pocket costs may increase for older pets or those with claims history, as deductibles and co-insurance can be adjusted at renewal. Petsecure does not operate as a digital-only “insurtech,” so administrative overhead is standard for the sector, and digital user experience is moderate rather than cutting-edge. Overall, Petsecure suits pet owners seeking a reliable, full-spectrum policy but who do not prioritize the lowest possible premium or rapid digital features.

Petsecure Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

What reimbursement amount can I expect from Petsecure?

With Petsecure’s Secure 4 plan, you can expect straightforward reimbursements on a wide range of pet health expenses—just pay your deductible once per year, and after that, Petsecure reimburses a high percentage of your eligible veterinary costs.

✅ Example 1: Emergency surgery for a dog (intestinal blockage)
Total vet costs: $2,800 (consultation, diagnostics, anesthesia, surgery, hospitalization, medications)
Annual deductible to subtract: $250 (dog age under 5, Option A)
Reimbursable amount: $2,800 – $250 = $2,550 80% of that is covered: $2,550 × 80% = $2,040 👉 You receive a reimbursement of $2,040.
ℹ️ The annual deductible is paid only once per policy year—subsequent claims are not subject to another deductible.

✅ Example 2: Annual preventive care package (Secure 4 plan, dog)
Total vet costs: $340 (wellness exam, core vaccines, flea/tick prevention, heartworm test)
Annual deductible does not apply to covered preventive care 80% of amount reimbursed (subject to plan limits): $340 × 80% = $272
👉 You receive $272 back for routine care.
ℹ️ Preventive care is exclusively included under Secure 4, with a maximum paid per year—excess will not be reimbursed.

✅ Example 3: Cat dental cleaning and tooth extraction
Total vet costs: $950 (dental scaling, tooth extraction, anesthesia, meds)
Deductible already paid earlier in the policy year Amount eligible: $950 80% reimbursed: $950 × 80% = $760
👉 You receive a reimbursement of $760.
ℹ️ Dental treatments are covered under Secure 4, but a six-month dental waiting period applies after enrollment.

Petsecure Assistance

Customer Reviews of Petsecure

We analyzed reviews from the sites listed above. On the positive side :

• A successful approval of surgeries or treatments for older pets is mentioned in rare reviews.
• A flexibility to provide documentation for complex claims is sometimes acknowledged.
• A few users felt their pet's needs were taken seriously by certain claims representatives.

On the negative side :

• A high frequency of claim denials, especially related to pre-existing conditions or interpretations thereof, is cited by many users.
• A significant number of reviewers report ongoing premium payments and administrative issues after policy cancellation or even after a pet’s death.
• A notable reduction in coverage for long-term policyholders is a repeated concern among those who had been insured for several years.
• A slow claims process and long reimbursement wait times are commonly mentioned.
• A lack of adequate coverage for some high-cost medical devices and frustration with the handling of currency conversion/exchange rates is described by several customers.

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Daniel Clarke

Personal finance expert

Daniel is a Canadian personal finance expert passionate about making financial literacy more accessible to everyone. He holds a degree in Economics from the University of British Columbia and a Master’s in Financial Planning from York University. Before joining HelloSafe, he worked as a financial coach and content editor for a number of fintech platforms across Canada. At HelloSafe, Daniel writes clear and practical guides on insurance, credit, savings, and budgeting—always with the goal of helping readers make confident and informed money decisions.