Covers Up to 90% Unexpected Vet Bills
🔥 Click Here for a Fast and Easy Online Quote
- Rated 'Excellent' on Trustpilot with a 4.5 out of 5-star rating.
- $1000 in online vet visits included at no extra cost
- The most comprehensive pet insurance coverage in the industry.
- Dental coverage for all of your dog's teeth, not just canines
- Works with any licensed vet in Canada or the U.S.
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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
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Type of contract |
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Enrollment age |
8 weeks and older |
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Effective date |
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Waiting period |
Accident 48 hrs, illness 14 days, 6 months for dental coverage |
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Out of country coverage |
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Claims and policy price |
|
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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. |
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Annual deductible |
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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 |
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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.
Covers Up to 90% Unexpected Vet Bills
🔥 Click Here for a Fast and Easy Online Quote
- Rated 'Excellent' on Trustpilot with a 4.5 out of 5-star rating.
- $1000 in online vet visits included at no extra cost
- The most comprehensive pet insurance coverage in the industry.
- Dental coverage for all of your dog's teeth, not just canines
- Works with any licensed vet in Canada or the U.S.
Latest Petsecure Canada Reviews
NOooo! It is a scam! The worst decision I made for almost 20 years. They let me down when I needed them the most. Open a saving account and deposit the(ir) monthly fees, you will do better when you need it.
NOooo! It is a scam! The worst decision I made for 20 years. They let me down when I needed them the most. Open a saving account and deposit their monthly fees, you will do better when you need it.
I am extremely disappointed with Pet Secure. The website advertises all sorts of coverage but after consistently paying 126$ a month, we have had no success in covering even a penny of annual check ups, medications etc. When asking for clarification they are quite rude and indigent. I have had an overall terrible experience. Massive waste of money.
I wish i would have read the reviews before. Do NOT use this company ever!!! After paying them for 2 years, my dog had an accident and required a knee surgery and denied my claim. Now I'm out of pocket $6500 . They will find a fraudulent way or excuses not to pay.
Scam. Not working at all!
They do not follow their contracts and never payout on legitimate claims!
Do not use this company ever. Terrible communications. They do not follow their contracts and never payout on legitimate claims.
Do not use this company ! They randomly add exclusions after initial health exam at their will. Then they don’t tell you about these exclusions even when you call following the waiting period to see the outcome of health exam and waiting period and coverages. Then when your pet gets sick the claim gets denied ! At your hour of need with no apology for not telling you about the exclusion they slapped on after they take your first payment . Not OK
I WISH THERE WAS AN OPTION FOR ZERO STARS. they steal money never get petsecure
NOT THE BEST INSURANCE COMPANY OUT THERE. THEY TEND TO RAISE RATES AND REDUCE COVERAGE AFTER 8 YRS OLD FOR DOGS. ARE NOT AVAILABLE TO DISCUSS ON PHONE OR EMAIL.
DO YOUR HOMEWORK WITH THIS COMPANY - THERE ARE BETTER PLACES TO GET PET INSURANCE.
I would recommend to AVOID this company like the plague!! We chose to go with them when our dog was a puppy. When he turned 6 we upgraded him to Secure 4 because of his age and the benefits. Everything is fine with this company until you have a claim. We always payed the deductible and never got any reimbursement as our dog was young and in good health. This summer he has had some issues and now we see what kind of company they are!! They will find any clause to not pay out. Including blaming it on pre existing gastrointestinal which is a symptom not a condition! Wellness exams every 12 months even during Covid when most vet clinics were closed except for emergencies. The premiums have... Read More
I have been with Petsecure for over 15years … I just wish that they took me being away in hospital and then in another hospital in another city seriously as I was put through Status Epilepticus then a Coma unknown time, in 2014. Yet This seriousness was taken lightly by the Insurance because I live with Epilepsy. Too many people around me are taking advantage of my living with disabilities as is. I’d hope the insurance company that my Veterinarian since I was a kid recommended would not as I was supposed to be lucky enough to on the list fora Seizure Response Dog for exactly that. My Epilepsy. People stole my mail and used for their own. If I can rescue a kitten and or Cat before... Read More
wish I had read all the reviews so that I could save my money. I purchased petsecure insurance and submitted the only medical record I have at that time. They keep asking for more medical records even I did not file a claim at all. They said that the medical record is incomplete but they continue to charge me monthly. They just saying you are covered but we won’t process any claim because the medical record is incomplete. If they considered the medical record as incomplete, which means they can’t process any reimbursement, how could they continue to charge me monthly and saying I was covered? Moreover, the medical record shows that my dog had a kennel cough for a week but the radiograph... Read More
The minute your pet gets suck they exclude it feom your cibtract and don’t pay coverage… we buy the policy to be protected qhen they get sick!!! What a scam…
What a joke. When people talk about why insurance companies have a bad rap, it is because of companies like Petsecure and Petline Insurance Company. Please DO NOT give them your business. They will find some shady way of finding a way to deny your claim. Very disappointing. This is NOT an attack on the customer service reps who are just answering the call BUT against the adjustors. Stay away and do NOT believe in their claims "WE'RE HERE FOR YOU AND YOUR PET" is a lie. As long as you are paying the premiums without claims, all is well. Saying that scratching is a pre -existing condition for ALL ALLERGIES is ridiculous. Thank heavens we were able to cover our vet bills without the... Read More
So many flaws with this Insurance company, it's hard to know where to begin. GO WITH TRUPANION! If you do not take out the best Pet Secure Program #4, you are wasting your money. If any other plan, they will only do one knee or one shoulder or one leg/year. Your dog will have to wait until the next year to have the other one done if it fails or you will have to pay in full. They reduce you to 50% as soon as your dog gets sick and needs surgery, etc. If you move up in the plan to the next level, anything done prior is considered pre-existing and will only get covered for the previous plan amount. My Frenchie got sick, needed diagnostics, surgery, chemo infusions and medication, aside from... Read More
For three years everything was rosy, I had taken the Secure 4 package for a boxer puppy in January 2015. He had a few problems with his health which were always covered and I thought things would continue to be covered as I was promised when I was researching insurance companies. All that changed when I was informed in December 2018 that due to my pet's ongoing health issues, I would no longer be covered for 80%, but would now be covered for only 50%: direct quote from the letter I received - "We understand that when Boo is faced with an illness or injury, it may only be temporary. This is why our... Read More
DON'T GET SUCKED IN! They have a clause that allows them to exclude a pet for any condition at any time. When I adopteded my cat in July 2021 he came with a trial for petsecure. He had been found as a stray and had to be neutered, chipped and have his top canines removed because they were broken and an infected cut on his legs, so lots of antibiotics and he had diarrhea. So I bought their policy effective Aug 18, 2021. On August 31, 2021 (after 1 vet visit July 11, 2021) my cat was excluded for any "gastro-intestinal problems and associated conditions". They quietly posted this on my account, on their portal with out even sending an email notifying me that I had a message there.... Read More
worse insurance to deal with all my bills for my dog were refused.
Have been waiting almost 2 months to get any kind of reimbursement ..or a person to return a call or a response from a weeks worth of emails sent begging for information!!!!
POOR customer care !!!! They are eager to take you on as clients BUT do not live up to repaying on the plan as set up for our family pet as we put our trust in YOUR hands to help us in critical situations!!!!
My experience with Petsecure Canada’s Pet Insurance/Petline Insurance has been a very stressful and unpleasant experience. I adopted a cat and received a 6 week free trial insurance coverage. Within a week the cat had hurt her leg and had to go to emergency. At emergency, they discovered her temperature was too high. She need pain medication, fluids and appetite help. Over the next six weeks I called the Insurance Company, spoke to 6 different people and basically got the run around. Each time I was told they needed more information and I was told that they would get back to me, to let me know if everything was received okay. I sent my information in, but never heard back.... Read More
Had a terrible experience with this insurance company. Claims take 6 weeks to process, and when you are notified of a received claim, it doesn't indicate where it's from and what they were for so its difficult to cross check on which of your claims have been processed vs. which are still pending until after you receive the processed claim. Even then, sometimes claims are lumped together so it's difficult. It's not clear how the deductibles are calculated, and I was charged twice for the same condition because apparently extending my trial coverage into full coverage still counts as a new policy. When calling in to inquire about processed claims, I found the adjudicators rude and... Read More
Most like other people i had the same experience. I wish i had read the reviews as well before proceeding with them. I am not sure how this company has made into top 5 best pet insurance list. The claims take too long to be processed. I emailed twice for an update but nobody got back to me. I had to call and the person said it should be by next week which means around 5 weeks time frame. My claim was submitted on May 27 and they said they are working on May 26 claims. It turns out that my claim is no pay out as my deductible wasn’t met annually. What is the point of submitting a claim and then ending up with zero pay out. They can easily tell you this right away or whenever you ask for an... Read More
I have paid for insurance for my dog since she was a pup with very few claims and now that she is 12 1/2 years old I have nothing but trouble from this company: it takes 6 weeks for claim processing; they claim to have not received paperwork even though I have email confirmation that my submission was received; it is not possible to speak with a supervisor in order to deal with issues promptly; they say they know that they need more staff to deal with claims efficiently yet the same long wait times persist. The customer service is atrocious! My rating is 0. No star.
Thank goodness I read all the reviews. I will definitely not be going with any of the pet insurance scams . I will take the advice and just put the money in a savings account every month. They didn't have great customer service anyway and seemed grumpy when I asked to call back after looking around as I wanted to compare. Now they don't answer anyway. Thank you to everyone who shared their stories. I hope things go better in the future you saved me from a bad mistake.
Worst customer service ever. CS representative need to learn basic phone call manner before they start work. Condescending and pompous attitude is not appropriate for anyone and they don't know about that. If you want to ruin your day with brain damaged jerk? go ahead.