Petsecure Pet Insurance Review
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Dec 19, 2023
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.
UPDATED: Dec 19, 2023
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
On This Page
What’s New in 2021 for Petsecure Pet Insurance?
Generally speaking, Petsecure has weathered the pandemic well, with few significant changes to products and services.
How Has Covid-19 Affected Petsecure Pet Insurance?
Petsecure took several steps to protect its employees from contracting/spreading COVID-19, including work from home and contactless practices. It also extended coverage in the event that pets insured through Petsecure contracted COVID-19. During the pandemic, many more people than usual adopted or purchased pets, so Petsecure has also seen an increase in the volume of new policies.
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New Products or Changes
Basic plans have stayed the same, but Petsecure has stayed on top of trends and remains an industry leader for pet health insurance. Prices for some policies have gone up.
Petsecure Pet Insurance in the News
Petsecure has not been in the news recently. However, pet insurance, in general, is frequently in the news. Most relevantly, Today’s Veterinary Business reported in May 2021 that pet insurance saw double-digit growth in 2020.
2021 Latest Petsecure Pet Insurance Reviews
Reviews for Petsecure Pet Insurance are mixed, although recent reviews have been generally favorable. Common complaints are that they have raised prices and deny claims for things pet owners believed would be covered. Accolades include customer service and peace of mind afforded by holding a policy with them.
Our team researched Petsecure’s Pet insurance coverage, cost, and customer satisfaction reviews.
Our Grade: B+
Petsecure is one of the oldest and largest pet insurance providers in Canada. Founded in 1989, Petsecure is owned and operated by Canadians.
With four different levels of coverage, Petsecure’s plans offer something for every pet owner.
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Petsecure Pet Insurance Review: Top Highlights
- Dental care included in all plans
- 4 plans with varying levels of coverage
- Wellness plan option
- $1000 extra coverage for lost pet, holiday cancellation
- Wide range of deductible options
Need Pet Insurance?
FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!
Petsecure Pet Insurance Coverage
Petsecure has four different levels of coverage that is broken down into three groups:
- Accidents
- Illness
- Dental
Both Accident and Illness plans include the following:
- Hospitalization
- Surgery
- Diagnostic exams
- Medications
- Alternative therapy
- Behavioral therapy
- Medical devices
All plans even include dental coverage after six months and includes the following:
- Annual cleaning and/or any teeth or gum related problem.
Related: 10 Things You Must Know Before You Buy Pet Insurance
Petsecure Plans Breakdown
Secure 1 (Level 1) includes the following:
- Accident coverage: Up to $1,000 per accident
- Illness coverage: Up to $1,000 per illness
- Dental coverage: Up to $200 annually
Secure 2 (Level 2) includes the following:
- Accident coverage: Up to $2,500 per accident
- Illness coverage: Up to $2,500 per illness
- Dental coverage: Up to $300 annually
Secure 3 (Level 3) includes the following:
- Accident coverage: Up to $5,000 per accident
- Illness coverage: Up to $5,000 per illness
- Dental coverage: Up to $400 annually
Secure 4 (Level 4) includes the following:
- Accident coverage: Unlimited
- Illness coverage: Unlimited
- Dental coverage: Up to $600 annually
- Wellness coverage: $350 for cats and $450 for dogs
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Petsecure Wellness Coverage Details
Petsecure’s wellness coverage includes the following:
- annual exams and vaccinations
- blood tests
- deworming
- heartworm tests
- flea control
- a wellness profile
Other Benefits In Petsecure Coverage
All of Petsecure’s plans also include a $1000 per-incident benefit for lost pet rewards, holiday or trip cancellation, cremation services and/or boarding of your pet if you are hospitalized or in an accident.
And a further $50 in Memoriam donation to the Canadian animal community in honor of your pet.
Real Cost Savings from PetFirst Clients
Luna
PetFirst saved his parents
$6,712
A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.
Hereditary and Congenital Conditions
All of Petsecure’s plans cover hereditary and/or congenital conditions as long as they aren’t pre-existing.
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Alternative and Behavioral Therapy Petsecure Coverage
Petsecure offers both alternative and behavioral therapy coverage under all of their plans.
Petsecure will cover up to $350 of alternative therapy which includes are acupuncture, massage therapy, and medical devices.
Chronic Conditions Petsecure Coverage
Chronic conditions are also covered under all of their plans similar to most pet insurance companies.
Petsecure Benefit Limits
Petsecure’s Benefit Limits range from $1,000 to Unlimited and are broken down by their Secure 1 through 4 plans as spelled out above in the coverage section.
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Reimbursement Method
Petsecure has one reimbursement choice for all plans of 80%. While this is a fair amount of reimbursement, it’s always nice to have more options.
You are reimbursed on the vet bill as is customary of the best pet insurance plans.
Petsecure Deductible Type
Petsecure works on an annual deductible and it is an aged based model.
Their deductible A has deductible choices ranging from $100 – $500
Their deductible B plan has deductible choices ranging from $200 – $700
Their higher end Secure 4 plan has the following deductibles:
- Their deductible A has deductible choices ranging from $250 -$500
- Their deductible B has deductible choices ranging from $300 – $700
The annual deductible means that policyholders must pay the deductible once annually. The higher the deductible payment, the lower the monthly premium.
What Is The Cost Of Petscure Pet Insurance?
Petsecure’s prices can vary depending on which coverage plan you choose. And, of course, if you have a cat or dog, their age, and the deductible choice.
The monthly premium can cost anywhere from $25 to $100.
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Claims Process
You can just download their claim forms from their site, have your veterinarian fill it out and either fax or email it back to them.
If you sign up for a direct deposit, the claims will be reimbursed more quickly.
You can use any veterinarian of your choice in Canada.
Enrollment and Waiting Periods
Enrollment in PetSecure starts at 8 weeks old and there is no upper age limit for dogs and cats.
Accident coverage begins after 48 hours and there is a 14-day waiting period for illnesses. There is also a 6-month waiting list for IVVD disease, cruciate ligament issue, and dental coverage.
There is no waiting period for preventative care coverage.
PetSecure Questions and answers?
Are there any exclusions with Petsecure?
Petsecure will not cover any conditions that are pre-existing.
Are there any discounts offered?
If you enroll 3 or more pets, you get a 10% discount. If you enroll six pets, you get a 15% discount.
Does Petsecure allow older dogs and cats?
No. You can enroll your dog or cat any age.
However, if your dog is older than 8 your cat is older than 10, you need specific medical tests done to make sure they meet Petsecure’s approval.
Are there any extra perks when enrolling?
Sure is.
They will reimburse policyholders $1,000 for things like trip cancellation or even if you have to board your pet in an emergency.
How can you get in touch with Petsecure?
You can call them at 1-800-268-1169. They are available Monday through Saturday and closed on Fridays.
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Summing Up Petsecure
Petsecure offers coverage with many choices and extra perks. You can budget your plan fairly easily because they have four levels of coverage and many deductible choices.
If you live in Canada and are checking out pet insurance, take a look at Petsecure to see if it is the right company for you!
Or if you want to see some other Pet insurance company reviews in Canada, take a look at our review of Pets Plus Us!
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The Ultimate Guide to Safe Foods for Dogs
You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance.
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Frequently Asked Questions
What’s New in 2021 for Petsecure Pet Insurance?
Generally speaking, Petsecure has weathered the pandemic well, with few significant changes to products and services.
How Has Covid-19 Affected Petsecure Pet Insurance?
Petsecure took several steps to protect its employees from contracting/spreading COVID-19, including work from home and contactless practices. It also extended coverage in the event that pets insured through Petsecure contracted COVID-19. During the pandemic, many more people than usual adopted or purchased pets, so Petsecure has also seen an increase in the volume of new policies.
Are There Any Exclusions with Petsecure?
Petsecure will not cover any conditions that are pre-existing.
Are There Any Discounts Offered?
If you enroll 3 or more pets, you get a 10% discount. If you enroll six pets, you get a 15% discount.
Does Petsecure Allow Older Dogs and Cats?
Yes. You can enroll your dog or cat at any age. However, if your dog is older than 8 or your cat is older than 10, you need specific medical tests done to make sure they meet Petsecure’s approval.
How Can You Get in Touch with Petsecure?
You can call them at 1-800-268-1169. They are available Monday through Saturday and closed on Fridays.
What Is the Cost of Petsecure Pet Insurance?
Petsecure’s prices can vary depending on which coverage plan you choose, your pet’s age, and the deductible choice. The monthly premium can cost anywhere from $25 to $100.
What Is the Claims Process Like?
you can download their claim forms from their site, have your veterinarian fill it out, and either fax or email it back to them. If you sign up for direct deposit, claims will be reimbursed more quickly. You can use any veterinarian of your choice in Canada.
What Are the Enrollment and Waiting Periods?
Enrollment in PetSecure starts at 8 weeks old, and there is no upper age limit for dogs and cats. Accident coverage begins after 48 hours, and there is a 14-day waiting period for illnesses. There is also a 6-month waiting list for IVVD disease, cruciate ligament issue, and dental coverage. There is no waiting period for preventative care coverage.
What Are the Highlights of Petsecure Pet Insurance?
Petsecure is one of the oldest and largest pet insurance providers in Canada, offering four different levels of coverage and various deductible choices. They cover hereditary and congenital conditions, alternative and behavioral therapy, and provide additional benefits such as lost pet rewards and a donation to the Canadian animal community in memoriam of your pet.
Enter your ZIP code below to view companies that have cheap pet insurance rates.
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.