Petsecure Canada Pet Insurance Review


Rating: 7.4 / 10 (Very good)
23 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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E
Elaine
Waterloo, Ontario
6/19/2017
We have got petsecure for a six weeks trial after adopting our lovely boy, the trial came with the adoption package. We were considering to carry on with the insurance with Petsecure as we believe they should be a great insurance company which will offer the six weeks trial for pets adoption. However, it's not really the case. We have took our cat to the Vet for a body check up due to we want to make sure he's healthy since he has been traveled from Quebec (that's where the animal hospital got him) to Toronto Cats Rescue, went through neuter surgery and with a bunch of medical reports in French that we cannot understand. Our Vet performed a regular body check up for him, plus xrays... Read More

T
Tammy G
6/15/2017
I am surprised at these reviews very concerning! I have been with petsecure for more then 10 years. Every time we needed them they were instantly there right to the end of our Meesha journey! No questions immediately covered what was needed! We now have a new pup to insure these comments have me now worried on which company to choose Ugh!

J
John A
Ottawa, Ontario
5/31/2017
We decided to cover both our cat and dog by Petsecure. We pay almost $70 per month for our dog, and I have come to realize that this is really not insurance coverage, but should be considered as simply pre-paying your pet's medical expenses. Over the course of your coverage, the company takes steps to ensure they do not pay more in claims than what they have received in premiums. In our case, our dog has had a couple of unexpected health issues that have been relatively expensive (of course that is the very reason why we purchased pet insurance). As a result, Petsecure has twice reduced our co-insurance, from 80% to 60%, and now to 50%. They do not clearly explain they will do such... Read More

S
Sue
Maple Ridge, British Columbia
5/30/2017
Would not recommend. We have paid the highest premiums for the best coverage for our pet. We are supposed to be covered up to $5000.00 per condition, per year. But if you actually put in claims they reduce their co-pay, even if you have not even claimed a fraction of the amount you are entitled for. We have gone from our contracted 80% coverage down to 50% coverage. Both our premiums and our deductible increased.

G
gracjana
Vancouver, British Columbia
4/8/2017
Horrible, horrible company. I have a one year old French Bulldog puppy. When my dog was about 4 months she was bit by a tick on her face. I went to my vet and she examined the bite and prescribed me revolution so I can protect my dog from getting future ticks. The bite over next few days got even worse. So I came back to the vet again and she said don't worry it usually gets worse before it gets better. A week passed by and the bit was not getting any better. I visited my vet again and now the vet told me that I needed to do emergency day surgery on my puppy. After the procedure the vet charged me almost $800, and they recommended me to purchase puppy insurance. I thought that was a good... Read More

Courtney K
Unionville, Ontario
4/7/2017
They will take your money month after month and when your pet gets sick, they won't cover any of it. Paid 650$ for a vet visit (my dog had a cough) and got 0$ back because of some bogus loophole policy. Very upsetting. I'm switching to Trupanion as I've heard MUCH better things from their clients.

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Phil S
Halifax, Nova Scotia
4/6/2017
Stay away from this company. We didn't even get to a point where we could use the insurance and we realized they are a scam and only care about money. We have 5 cats and decided to look into getting insurance for them. Things started off fine. The rate for all 5 was reasonable and it seemed like a great idea. Then the problems started. First off we have two 11 year old cats and we were told they needed recent blood work and urine analysis to be insured. We mentioned how getting urine from these two cats is impossible as we've been told by are vet they are too fat to get urine and they refuse to use a litter box that has beads in it. We told the rep this when setting the insurance up.... Read More

J
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!!! What?? 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
Toronto, 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
Maple Ridge, British Columbia
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!

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