Petsecure Canada Pet Insurance Review


Rating: 7.4 / 10 (Very good)
16 Customer Reviews - see all reviews
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How is Petsecure Canada rated?
7/10
Coverage
8/10
Benefit Limits
7/10
Deductibles
7/10
Reimbursement Models
8/10
Customer Service
7/10
Value
7/10
Reviews

Petsecure is a leading provider of pet insurance services in Canada, offering pet owners four levels of pet insurance coverage. The company was started in 1989 and is 100 percent Canadian-owned and operated. Petsecure reimburses up to 80% for treatments and veterinary services. It offers protection for dogs and cats of any age or breed and offers multi-pet discounts.

 

Plan details

 

Type of contract

 

Enrollment age

8 weeks and older

Effective date

 

Waiting period

Accident 48 hrs, illness 14 days, 6 months for dental coverage

Out of country coverage

 

Claims and policy price

 

Age limit

Dogs 8 years and older (6 years or older for giant dog breeds) Cats 8 years and up except for those certified as having undergone physical exam, blood profile and urinalysis within the past two months, and pets current with required vaccines.

Annual deductible

 

Claim limit

$1,000 per incident or no limits for Secure 4 plans

 

Cancellation policy

You must make your request for Policy cancellation in writing by mail, fax or e-mail. Cancellation will take effect when your Policy renews on the first day of the next month following the date we receive your request.

 

How much is it going to cost you?

Co-pay and co-insurance

Up to 80% reimbursement or maximum of 50% pet owner participation

Deductibles

Secure 1,2,3 plans

 

Dogs

Pet’s Age

Accident Plans

Accident/ Illness Plans

Under 5 years

$100/ incident

$100

5 to 10 years

$100/ incident

$300

Over 10 years

$100/ incident

$500

 

Cats

Pet’s Age

Accident Plans

Accident/ Illness Plans

Under 5 years

$100/ incident

$100

5 to 10 years

$100/ incident

$200

Over 10 years

$100/ incident

$300

 

Secure 4 plans

 

Dogs

Pet’s Age

Accident Plans

Accident/ Illness Plans

Under 5 years

$250

$400

5 to 10 years

$400

$550

Over 10 years

$500

$700

 

Cats

Pet’s Age

Accident Plans

Accident/ Illness Plans

Under 5 years

$200

$300

5 to 10 years

$250

$350

Over 10 years

$300

$400

 

*** Deductibles per incident for accidents

 

What does it cover?

 

Accident and illness coverage

Hospitalization

Surgery

Hereditary conditions

Diagnosis

Prescriptions and medications

Alternative therapies

Behavioral therapies

 

Additional benefits

  • Boarding kennel fees if you are hospitalized and cannot care $1,000 for your pet per incident
  • Holiday cancellation trip cancellation coverage if your pet requires $1,000  emergency, life saving treatment per incident
  • Lost pet advertising help getting your lost pet home $1,000 per incident
  • Cremation or burial covers the cost of cremation or burial for your pet $1,000
  • In Memoriam donation a donation to the Canadian animal community is $50 made to honor your pet in the event of their passing

 

Preventive Care

Dogs (Flexible annual wellness care)

  • $450 per year
  • Choose where your limit is appointed:

• Examinations

• Vaccinations

• Heartworm testing

• Heartworm prevention

• Flea prevention

• Blood profile

• Urinalysis

• Fecal test or routine de-worming

 

Cats (Flexible annual wellness care)

  • $350 per year
  • Choose where your limit is appointed:

 • Examinations

• Vaccinations

• Flea prevention

• Blood profile

• Urinalysis

• Fecal test or routine de-worming

 

*** Included with Secure 4 plans

 

What’s not covered?

  • Pre-existing conditions
  • Non-essential services and supplies
  • Any reproductive system expenses (spraying, neutering)
  • Pregnancy

 

Summary

When it comes to any type of insurance coverage, a no limit benefit policy is our best protection against accidents and illness. Petsecure offers this option with its Secure 4 plan but this also comes at price. While this option is not recommended for those on a budget or with younger pets, pet owners with older pets should seriously consider this offer. Petsecure scores big with its coverage features and its preventive care services ensure that your pets are kept in tip top shape. Overall, Petsecure is definitely one of the better options for pet owners searching for pet insurance services.  

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Latest Reviews

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Justine
3/29/2017
Level 4 pet insurance with Petsecure. I've paid over $4500 with this company. My dog is a 4yr old Bernese Mountain Dog and enrolled in Petsecure at 12wks of age. My deductible is $250. Deceiving when I'm paying vet bills at beginning of the insurance year for say $100. They take my 20% co-pay off that and put the $80 towards my deductible instead of the $100!!! WTF?? So when you think you've reached your deductible of $250 you really haven't as they will be deducting your 20% co-pay off each qualifying vet bill towards the deductible. Who does that? Cancelled insurance after they refused to pay for gastropexy with neutering as recommended by my veterinarian!!! I'm putting what I would pay... Read More

M
Martin S
Scarborough, Ontario
3/9/2017
Be careful. I think the company is trying to scam. They found some obscure reason not to pay out for a legit claim. They kept stringing us along as they collected their $92/month. They were claiming the were not getting our e-mails or faxes. What company in Canada in 2016/2017 can't reliably receive e-mail/faxes. I would strongly recommend you avoid. We got scammed!

S
Sue
2/17/2017
As soon as you start to make claims this company will change what they pay for their portion of the insurance even if you are nowhere close to your policy limits. While they claim to pay 80% up to $5000.00 per condition/illness they actual will reduce their co-pay long before you ever reach your limits. They will then say the change is temporary but in fact continue to review 18 months of the same review period. Choose wisely!

D
denise
Winfield, British Columbia
1/17/2017
Probably the worse customer service I've ever had to deal with for a pet insurance provider. Constantly having issues with my auto payments & their customer service. Never get replies via email and always dealing with extremely rude staff. When i had an emergency come up with my dog i was left untie dark... When i called pet secure for assistance with the claims process and direct payment i was told to i had to deal with it all at my end and PAY out of my pocket, before calling for assistance - i got insurance for a reason !!!! who has 6000.00 just sitting around ???? i was told to deal with it myself - Not a way to treat customer during a stressful situation. Ive since left... Read More

C
Carol i
Red Deer, Alberta
12/29/2016
I had two dogs insured with Petsecure, one was an 8 week old puppy, and one a 5 year old rescue. I had to constantly argue with Petsecure to honour claims for my rescue. She had many exclusions which were worded very vague in her policy, and they reworded these exceptions upon review so they would not have to cover her physio. I cancelled her policy and actually came out ahead, considering that they dropped her to 50% co-pay when she had too many claims. They now take weeks to complete a claim, instead of a week as still advertised on their website. I would not use Petsecure for any future pets

L
lalala2016666
Toronto, Ontario
11/29/2016
It make the process of verifying insurance very complicated although I provided all the previous documents of my cat, they would not let the insurance verified. Very disappointing and frustrating experience.

J
janna k
Edmonton, Alberta
11/24/2016
I have been with Petsecure since my dog was 8 weeks old and he is now 8 years old. In the beginning claims were processed in the 7-10 business days that the company guarantees. The last year they have been experiencing "seasonal" peaks all year (not seasonally) and claims have been taking 20 business days. I think this is extremely unacceptable. I would leave and switch companies but my pet has a lot of health issues and I don't think any other company would insure him. I often wonder if this is why my claims always take so long!

Y
Yannick
Toronto, Ontario
11/24/2016
I have a 11 years old pug who has been insured since being a puppy. With 11 years "experience" of being insured without interruption, this is what I would like to say: - GOLDEN RULE: Insurance companies are businesses NOT charities, despite the lovely compassionate stories you may read on those insurers web pages. It is very unlikely that on the long term, you will receive more money back than what you have contributed with your monthly paid premiums. - Over 11 years, I contributed for a total of about $7000 through my monthly premiums. The total amount the insurance company compensated after receiving my claims along those 11 years, is pretty much equal to the same $7000 I spent, and... Read More

L
Lynn M
11/22/2016
I am TOTALLY DISAPPOINTED in Petsecure and Western Financial Insurance and the way their "customer care" agent Rodney, handled my call. After waiting a month to receive information regarding my claim, only to receive an email notification *We regret we are unable to cover treatment for this condition as it is not covered by your policy...... I took out this policy only after asking NUMEROUS times if the gastropexy would be considered preventative medicine and if it would be covered at the time of spaying. The agent at the time I decided to take this policy out for my dog, assured me that if I signed on for the 4+ plan that it would indeed be covered. I have submitted five claims to... Read More

Alena D
Montréal, Quebec
11/3/2016
As others have clearly stated, this company is a scam. They collect monthly but when it comes to actually covering your pet stating that you have missed something. Actually telling you blatant lies! That are easy to prove wrong but they are sticking to their original assessment and won't pay out. Here is what happened to us: We moved to Canada from France, where we got a health certificate from the vet as well as 2 vaccinations, so the cat could travel. On arrival in Canada, we got pet insurance 3 months later. We were asked to provide the cat's medical records, so we emailed the company the health certificate & pet passport. At this point we thought the insurance would be fine and we... Read More

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