Petset Pet Insurance 2025: Full Canadian Review on Coverage & Benefits
Our expert's opinion on Petset
Petset offers a straightforward pet insurance solution in Canada with two plans—Accident Only and Accident/Illness—covering essential vet services like diagnostics, surgeries, and hospitalization for dogs and cats nationwide and in the continental USA.Both plans provide unlimited per-incident accident coverage, while illness benefits (on the Accident/Illness plan) are capped annually, with co-insurance starting at 20% and deductibles rising with pet age.Compared to major competitors, Petset stands out for its clear structure and unlimited accident limit, though it remains limited by the lack of wellness budgets, preventive or alternative care, and by highly traditional (non-digital) processes at a typical mid-range price point.Petset is most suitable for owners of younger pets seeking simple accident/illness coverage without frills or digital extras, and for those who value fixed limits and straightforward plan options over high-reimbursement or wellness perks.Backed by stable Canadian operations, Petset does not publicly disclose revenue or premium data, nor does it hold a Trustpilot rating or substantial customer review base; claims must be filed by email, mail, or fax, and average reimbursement times are not disclosed—signalling a conservative, reliable but not digital-first service profile.
- ✅Unlimited accident coverage per incident
- ✅Simple plan lineup: Accident Only or Accident/Illness
- ✅Low deductibles for young pets ($100)
- ✅Coverage in Canada and continental USA
- ✅Fast accident waiting period (48 hours)
- ✅Clear policy exclusions and eligibility rules
- ❌No preventive, wellness, or alternative therapy coverage
- ❌No digital claims or telehealth—mail/email/fax only
- ❌No coverage for behavioral or dental (except accident)
- ❌Annual illness cap, no unlimited illness coverage
- ❌No public data on claims speed, financials, or customer reviews
- ✅Unlimited accident coverage per incident
- ✅Simple plan lineup: Accident Only or Accident/Illness
- ✅Low deductibles for young pets ($100)
- ✅Coverage in Canada and continental USA
- ✅Fast accident waiting period (48 hours)
- ✅Clear policy exclusions and eligibility rules
Our expert's opinion on Petset
ScorePetset offers a straightforward pet insurance solution in Canada with two plans—Accident Only and Accident/Illness—covering essential vet services like diagnostics, surgeries, and hospitalization for dogs and cats nationwide and in the continental USA.Both plans provide unlimited per-incident accident coverage, while illness benefits (on the Accident/Illness plan) are capped annually, with co-insurance starting at 20% and deductibles rising with pet age.Compared to major competitors, Petset stands out for its clear structure and unlimited accident limit, though it remains limited by the lack of wellness budgets, preventive or alternative care, and by highly traditional (non-digital) processes at a typical mid-range price point.Petset is most suitable for owners of younger pets seeking simple accident/illness coverage without frills or digital extras, and for those who value fixed limits and straightforward plan options over high-reimbursement or wellness perks.Backed by stable Canadian operations, Petset does not publicly disclose revenue or premium data, nor does it hold a Trustpilot rating or substantial customer review base; claims must be filed by email, mail, or fax, and average reimbursement times are not disclosed—signalling a conservative, reliable but not digital-first service profile.
- ✅Unlimited accident coverage per incident
- ✅Simple plan lineup: Accident Only or Accident/Illness
- ✅Low deductibles for young pets ($100)
- ✅Coverage in Canada and continental USA
- ✅Fast accident waiting period (48 hours)
- ✅Clear policy exclusions and eligibility rules
- ❌No preventive, wellness, or alternative therapy coverage
- ❌No digital claims or telehealth—mail/email/fax only
- ❌No coverage for behavioral or dental (except accident)
- ❌Annual illness cap, no unlimited illness coverage
- ❌No public data on claims speed, financials, or customer reviews
- ✅Unlimited accident coverage per incident
- ✅Simple plan lineup: Accident Only or Accident/Illness
- ✅Low deductibles for young pets ($100)
- ✅Coverage in Canada and continental USA
- ✅Fast accident waiting period (48 hours)
- ✅Clear policy exclusions and eligibility rules
- PetSet Guarantees
- Petset Exclusions
- Pet Food Prices
- Assistance Petset
- Customer Reviews of Petset
- Contact Petset
- FAQ
Why Trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies available in Canada every year to give you a reliable and unbiased analysis. Thanks to this rigorous approach, over one million Canadians trust us each month to guide them in their most important financial decisions.
PetSet Guarantees
Petset offers two clear plan options—Accident Only and Accident/Illness—targeting pet owners looking for straightforward, budget-focused coverage, with a standard 80% reimbursement rate, low per-incident or annual deductibles, and no wellness or alternative therapy benefits.
The Accident/Illness plan provides broader protection with illness coverage subject to an annual cap, while Accident Only is highly accessible for emergency events but does not include illness or routine care.
Both plans stand out for simple eligibility, fast waiting periods (48 hours for accidents, 14 days for illness), and coverage for emergency veterinary care in Canada and the continental US, but lack coverage for routine preventative care, dental (except accident-related), alternative treatments, and behavioral issues.
Major weaknesses include exclusion of all wellness/preventive care, no coverage for repeated or chronic conditions, and limited support services (no 24/7 helpline or digital health management tools).
These plans are best suited for owners seeking essential protection for unexpected and severe events, but less so for those needing broader health or wellness budgets.
Compare Petset’s Accident Only and Accident/Illness plans side by side before enrolling to find the right fit for your needs.
| Name of coverage | Accident Only Plan | Accident/Illness Plan |
|---|---|---|
| Plan positioning | Entry-level, emergency-focused | Comprehensive, medical & emergency |
| Type of coverage | Accidents only | Accidents and illness |
| Animals covered | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | 80% (20% coinsurance) | 80% (20% coinsurance) |
| Annual reimbursement limit | Unlimited per accident | Annual limit for illness (see policy) |
| Deductible (annual or per claim) | $100 per incident, all ages | $100–$500/year illness, $100 accident |
| Age limits for enrollment (for dogs and cats) | Not Communicated | Not Communicated |
| Pre-enrollment health questionnaire | Full medical records for older pets | Full medical records for older pets |
| Waiting period (illness) | N/A | 14 days |
| Waiting period (accident) | 48 hours | 48 hours |
| Lifetime coverage once subscribed | ✅ for covered accidents | ✅ for covered conditions (subject to policy) |
| Vet consultations (regular + emergency) | ✅ (for accidents only) | ✅ (accident & illness, subject to limits) |
| Medications | ✅ (accidents only, with DIN/NHP) | ✅ (accident & illness, with DIN/NHP) |
| Hospitalization | ✅ (accidents only) | ✅ (accident & illness) |
| Surgery (including anesthesia) | ✅ (accidents only) | ✅ (accident & illness) |
| Diagnostic tests (X-ray, MRI, etc.) | ✅ (accidents only) | ✅ (accident & illness) |
| Dental care (scaling, procedures) | ✅ (accidental trauma only) | ✅ (accidental trauma only) |
| Preventive care package | ❌ | ❌ |
| Alternative medicine (osteopathy, acupuncture) | ❌ | ❌ |
| Travel coverage (countries included, duration) | Canada, continental USA | Canada, continental USA |
| Civil liability | ❌ | ❌ |
| Euthanasia | ✅ (covered accident only, vet recommended) | ✅ (covered accident/illness, vet recommended) |
| Death & cremation coverage | ❌ | ❌ |
| Theft or loss of pet + search expenses | ❌ | ❌ |
| Boarding fees (if owner is hospitalized) | ❌ | ❌ |
Petsecure Plan Details
If medical records and a full exam are not provided for pets over a certain age at enrolment, new issues discovered later may be permanently excluded as pre-existing. All plans are subject to a standard 20% coinsurance, which may be raised to 50% if risk is high. Both plans exclude behavioral treatment, preventive care, and most dental work. Claims must be submitted with original invoices directly to Petsecure; payment is made by reimbursement.
Petset Exclusions
Petset policies maintain a strict approach to exclusions, most notably by excluding all pre-existing and foreseeable conditions, bilateral conditions (if one side is excluded prior to coverage, both are), and any chronic conditions first appearing within the waiting period.
Unusual among some competitors, Petset excludes all alternative therapies and medical devices, behavioral and training-related costs, and routine/preventive care—these gaps are substantial for owners seeking holistic or ongoing wellness support.
Accidents due to behavioral issues, repetitive or preventable claims (including after several similar incidents), and all consequences of professional or commercial use are also systematically refused unless a specific pre-approval is obtained.
There is no support for overseas treatment, incidents caused by negligence or intentional actions, complications relating to pregnancy or breeding, or medications lacking a DIN/NHP.
Petset’s rigid exclusion process—particularly around pre-existing conditions, bilateral issues, and support services—limits flexibility compared to more comprehensive, wellness-focused plans.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing or foreseeable conditions (including symptoms during waiting period) - Bilateral conditions if one side is excluded first - Chronic/repetitive illnesses and accidents |
| Routine and preventive care | - Any wellness, vaccines, check-ups - Nail trims, flea/tick control - Dental except for accident-related trauma - Food and prescription diets |
| Treatment exclusions | - Behavioral, training, and specialist costs - Alternative therapies (acupuncture, chiropractic, physio, etc.) - All medical devices |
| Geographic and context exclusions | - No coverage for incidents outside Canada/continental US - No support for war, natural disasters, or nuclear events |
| Reproductive and hereditary exclusions | - Pregnancy, breeding, queening/whelping complications - Umbilical hernia - Cats: FIP, FIV, FeLV at enrollment/waiting period |
| Provider and drug exclusions | - Non-licensed care, home visits not covered above clinic fee - Non-prescribed or experimental medications (must have valid DIN/NHP) |
| Professional/commercial use | - Injury/illness from professional/commercial use unless pre-approved |
| Administrative and claim exclusions | - Treatments unrelated to covered event - Intentional/negligent harm by the policyholder - Claims for administrative forms or courier fees |
| Euthanasia, death and cremation | - Euthanasia only covered if for a direct, eligible accident or illness - No coverage for cremation or burial |
- Bilateral conditions if one side is excluded first
- Chronic/repetitive illnesses and accidents
- Nail trims, flea/tick control
- Dental except for accident-related trauma
- Food and prescription diets
- Alternative therapies (acupuncture, chiropractic, physio, etc.)
- All medical devices
- No support for war, natural disasters, or nuclear events
- Umbilical hernia
- Cats: FIP, FIV, FeLV at enrollment/waiting period
- Non-prescribed or experimental medications (must have valid DIN/NHP)
- Intentional/negligent harm by the policyholder
- Claims for administrative forms or courier fees
- No coverage for cremation or burial
Pet Food Prices
Petset occupies a competitive and affordable position in the pet insurance market, offering essential coverage for accidents and, with the main plan, illnesses, but with notable exclusions for preventive care, behavioral issues, and alternative medicine.
Deductibles and co-insurance rates are moderate, but annual limits and restricted coverage for chronic and hereditary conditions may limit suitability for pets with higher medical needs.
As a primarily digital provider, Petset tends to offer lower premiums by streamlining processes, though the absence of wellness benefits and limited customer support functions may not appeal to more demanding owners.
Overall, Petset plans are best for budget-conscious users seeking protection for unexpected, significant veterinary costs, while those needing comprehensive or preventive coverage will need to look elsewhere.
Compare Petset’s Accident Only and Accident/Illness plans to find the best rate for your pet’s age and breed.
| Accident Only | Accident/Illness | |
|---|---|---|
| Young cat (2–4 years) | $18/month | $29/month |
| Senior cat (7–8 years) | $24/month | $40/month |
| Small breed dog | $21/month | $36/month |
| Small breed dog (2–4 years) | $21/month | $36/month |
| Large breed dog (2–4 years) | $34/month | $54/month |
| Senior dog (7–8 years) | $41/month | $73/month |
Petset Promo Codes
| Petset 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.
Petset Reimbursement Information
With Petset’s Accident/Illness plan, your pet’s eligible veterinary expenses are reimbursed at 80% after the applicable annual deductible, making it easy to understand what you’ll pay out-of-pocket for sudden illnesses or injuries.
- Total vet costs: $400 (consultation, diagnostics, medication)
- Deductible amount to subtract: $100 (annual deductible for cats under 5 years)
- Amount reimbursable after deductible: $400 – $100 = $300
- 80% of that amount reimbursed: $300 × 80% = $240
- 👉 You receive a reimbursement of $240.
- ℹ️ The deductible applies only once per year, so later claims will not be reduced by this amount unless a new policy year begins.
- ✅ Example 2: Surgery for a torn cruciate ligament (dog)
- Total vet costs: $2,500 (exam, imaging, surgery, anesthesia, medication)
- Deductible already met earlier in the year
- Amount reimbursed at 80%: $2,500 × 80% = $2,000
- 👉 You receive a reimbursement of $2,000.
- ℹ️ Coinsurance (20%) is always applied after deductible is met for the policy year, regardless of the number of claims.
- Total vet costs: $950 (consult, x-ray, extraction, meds)
- Deductible already covered for the year
- Amount reimbursed at 80%: $950 × 80% = $760
- 👉 You receive a reimbursement of $760.
Assistance Petset
Petset does not offer any advance payment service or third-party direct pay, so policyholders are responsible for all upfront payments and must submit claims for reimbursement.
There is no mention of payment facilities or installment payment flexibility, which may be a drawback for some pet owners.
Petset does not provide a mobile app for policy management or claims, requiring customers to rely on email, mail, or phone for all interactions.
All claims must be filed by traditional paper or email methods, as no paperless or digital claims portal is indicated.
Key assistance services commonly expected by pet owners, such as 24/7 emergency vet helplines, teleconsultation, or an affiliated vet clinic network, are not available through Petset, and the only overseas coverage is for Canada and the continental USA with manual claim reimbursement.
| Assistance Petset | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service; policyholders pay upfront to clinics in all cases. |
| Payment facilities | ❌ | No mention of installment or deferred payment options. N.C. |
| Mobile app | ❌ | No mobile app for managing policy, claims, or status tracking. N.C. |
| Paperless claims process | ❌ | No online portal or app claims; claims by email, fax, or mail only. |
| Emergency vet service | ❌ | No 24/7 vet helpline, veterinary teleconsultation, or urgent assistance offers. |
| Vet/clinic partner network | ❌ | No network or preferred clinics identified; policy valid at any licensed vet. |
| Coverage abroad | ✅ | Coverage applies in Canada and continental USA only. Claims process remains manual. |
Customer Reviews of Petset
| Review platform | Rating and number of reviews |
|---|---|
| N.C. | N.C. |
We analyzed reviews from the sites listed above.
On the positive side, customers who subscribed to Petset for their pets mention: N.C.
On the negative side: N.C.
Contact Petset
| Petset 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. |
| To request and track a reimbursement | Submit your claim form, itemized paid invoice, and relevant medical records by mail to: Petsecure Pet Health Insurance, 200 - 1200 Portage Avenue, Winnipeg, MB R3G 0T5 Fax: 1-866-322-5246 Phone: 1-800-268-1169 Claims are generally paid via cheque and processing time may vary; standard turnaround is typically within 2 weeks after receiving all required documents. |
| To obtain a certificate of insurance | Contact customer care by phone at 1-800-268-1169 or by mail at the Petsecure address listed above to request your certificate. Be prepared to provide your policy number and identification details. |
| To contact assistance | For any policy support, reach customer care at 1-800-268-1169 or by mail at Petsecure Pet Health Insurance, 200 - 1200 Portage Avenue, Winnipeg, MB R3G 0T5. No telehealth or vet assistance service is included. |
| To cancel my policy | Call 1-800-268-1169 or send written notice to Petsecure Pet Health Insurance, 200 - 1200 Portage Avenue, Winnipeg, MB R3G 0T5. You must provide your policy number and a signed cancellation request. Cancellation is effective upon receipt or the next billing cycle; unused prepaid premiums may be refunded as per policy. |
Fax: 1-866-322-5246
Phone: 1-800-268-1169
Claims are generally paid via cheque and processing time may vary; standard turnaround is typically within 2 weeks after receiving all required documents.
Be prepared to provide your policy number and identification details.
No telehealth or vet assistance service is included.
You must provide your policy number and a signed cancellation request.
Cancellation is effective upon receipt or the next billing cycle; unused prepaid premiums may be refunded as per policy.
FAQ
Do I have to pay upfront for veterinary fees with Petset?
Yes, with Petset you typically pay the veterinary fees upfront and then submit a claim for reimbursement. Petset does not offer an advance payment or direct payment system to clinics. You are responsible for paying the invoice at the time of treatment, then providing the required documents to receive reimbursement for eligible expenses.
How do I cancel my pet insurance policy with Petset?
To cancel your Petset policy, contact customer care by phone at 1-800-268-1169 or send a written, signed request by mail. You must include your policy number and cancellation request. There is no fixed notice period, and unused paid premiums may be refunded based on the policy terms.
What types of conditions are covered by Petset pet insurance?
Petset offers two plans: Accident Only and Accident/Illness. The Accident Only plan covers injuries from accidents, while the Accident/Illness plan also covers a wide range of illnesses. Both plans exclude routine wellness, preventive care, alternative therapies, and behavioral treatments.
Are hereditary or pre-existing conditions covered by Petset?
No, hereditary, congenital, and pre-existing conditions are not covered under any Petset plan. Any condition that shows symptoms or is diagnosed before the end of the waiting period will be excluded from coverage for the lifetime of the policy.
How do I submit a claim to Petset and how long does it take to get reimbursed?
To make a claim, submit the completed claim form, an itemized paid invoice, and relevant medical records by mail or fax to Petsecure Pet Health Insurance. Claims are reviewed after all documents are received, and reimbursements are typically issued by cheque. Processing time may vary, but is generally within two weeks if all information is complete.
Do I have to pay upfront for veterinary fees with Petset?
Yes, with Petset you typically pay the veterinary fees upfront and then submit a claim for reimbursement. Petset does not offer an advance payment or direct payment system to clinics. You are responsible for paying the invoice at the time of treatment, then providing the required documents to receive reimbursement for eligible expenses.
How do I cancel my pet insurance policy with Petset?
To cancel your Petset policy, contact customer care by phone at 1-800-268-1169 or send a written, signed request by mail. You must include your policy number and cancellation request. There is no fixed notice period, and unused paid premiums may be refunded based on the policy terms.
What types of conditions are covered by Petset pet insurance?
Petset offers two plans: Accident Only and Accident/Illness. The Accident Only plan covers injuries from accidents, while the Accident/Illness plan also covers a wide range of illnesses. Both plans exclude routine wellness, preventive care, alternative therapies, and behavioral treatments.
Are hereditary or pre-existing conditions covered by Petset?
No, hereditary, congenital, and pre-existing conditions are not covered under any Petset plan. Any condition that shows symptoms or is diagnosed before the end of the waiting period will be excluded from coverage for the lifetime of the policy.
How do I submit a claim to Petset and how long does it take to get reimbursed?
To make a claim, submit the completed claim form, an itemized paid invoice, and relevant medical records by mail or fax to Petsecure Pet Health Insurance. Claims are reviewed after all documents are received, and reimbursements are typically issued by cheque. Processing time may vary, but is generally within two weeks if all information is complete.
