Petsecure Canada Pet Insurance Review


Rating: 7.4 / 10 (Very good)
37 Customer Comments & Reviews - see all comments
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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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37 Customer Comments & Reviews

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P
Patty
Toronto, Ontario
6/3/2018
Do not purchase this plan. Your deductible will change the first time your dog has any issue. Stated at 80% but now that my pet has chronic illness, high blood pressure my deductible is down to 50% reimbursement. Rates haven't change. Be aware there are better out there. Patty B Ingersoll, Ontario


S
Sue
Seattle, Washington
5/25/2018
...and so our saga continues. Once they penalize you with a reduction in co-pay it will remain so regardless of what you do and it will continue for 2 years because they use the same data over and over again. Choose your insurance company wisely. In November 2016 we received notification that the company was changing their co-pay from 80% down to 60%. No explanation given. In May 2017, we received notification stating co-pay was going down again to 50%. Since then, no documentation and when you ask, they will only say a review was done and there was no change. We paid premiums for secure 3, which we were told provided coverage for $5000 per year, per condition at 80%. NOT. In 5 1/2 years... Read More


jenniferalexisgagne@gmail.com
Seattle, Washington
5/3/2018
**Correction from Okotoks, Alberta.** I had a wonderful experience dealing with Petsecure. Our family cat who was 1 year and 8 months old developed Saddleback Thrombosis. He had to be euthanised. Our family was devasted and heart broken by this sudden loss of one of our family member. The Petsecure representative was extremely sincere and empathetic. She ended up putting a rush on our file when typically it can take up to 10 business days. Petsecure ended up covering everything according to our policy secure 2. We recieved our claim $$ within 48 hours. Thank-you petsecure for all your help during such a difficult time!


J
Jo
Thornhill, Ontario
3/14/2018
I had such a horrible experience with Pet Secure. We had been a customer of theirs since my dog was almost 3. Year after year, we paid our monthly payment on time until last November when I switched job and travelled a lot. My payments had lapsed for 4 months (by accident), never received notification in email. The only reason I noticed it was when I checked my visa statement. I called them and they made me sign up for a new plan and the health issues that we had before are now considered Existing Conditions and will not be covered. They treated us like we were a new customer. After 7 years of paying $70 plus a month meant absolutely NOTHING. Please please please do your... Read More


Christine P
Calgary, Alberta
3/6/2018
Definitely do not take insurance through this company. The two times we have submitted larger claims for our dogs dental work and recently for his arthritis, we received a pittance back (i.e. $1,200 claim and $151 paid out).. This has been an absolute rip-off.


B
Bob
Richmond, British Columbia
2/17/2018
Avoid this company at all costs!! They will go to extreme lengths in order not to pay out on claims.


D
David
Toronto, Ontario
1/23/2018
They'll just raise your co-pay when the scale tips in your favour. Not worth it at all. Takes forever to get claims processed, they claim not to receive a bunch and you have to re-send them, and they often deny claims and then you have to call and on reassessment they will cover it. It's been a hassle dealing with them.


M
Mingrou X
Richmond, British Columbia
12/12/2017
I have had Petsecure since my dog came to the house as a puppy. The raised the premium last year without my permission but simply a letter. For the covered period, every condition my dog ever had, they would find a reason to "EXCLUDE" that from my policy. Seriously, I have paid over $50 per month for 2 years, that's over $1000 in total and they haven't paid me back anything. It's such a waste of money!


John H
Oakville, Ontario
12/5/2017
When your dog gets older or develops a chronic illness they will, at 6-month intervals, reduce the amounts they will pay and increase your annual deductibles. I will definitely go elsewhere for my next dog's insurance needs.


Judy B
La Ronge, Saskatchewan
11/23/2017
Petsecure is by far the best insurer for my pets. I have absolutely zero complaints about the company. They explain everything very clearly and concisely. Coverage is great, prices are better. I highly recommend them, and would sign with them again in a heartbeat should the need ever arise. Way better than the competition as far as I am concerned. Thank you Petsecure!



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9.5 / 10
  • Most Comprehensive Coverage (includes vet exam fee!)
  • Flexible annual reimbursement up to UNLIMITED
  • Choose Annual Deductible from $100-$1,000
  • No additional fees (riders) for alternative therapies
  • Use any veterinarian in Canada or the US.
  • 24/7 Customer Service - Fast Claim Reimbursement
  • 10% Online Discount & Free Barkbox Offer