Petsecure Pet Insurance Review 2024

Petsecure offers solid fundamental accident and illness coverage for veterinary services, including:

• Exam fees and taxes.
• Alternative treatments, including homeopathic treatments, stem cell therapy, laser therapy, physiotherapy, hydrotherapy, acupuncture and massage therapy.
• Cremation or burial costs, and an in-memoriam donation.
• Emergency care and hospitalization.
• Comprehensive dental coverage, including annual cleanings and problems with teeth or gums.
• Accident or illness.
• Medication
• Surgery
• Medical devices
• Diagnostics
• X-rays
• Behavioural therapy
• Boarding or kennel fees due to the owner’s medical emergency.
• Lost pet advertising.
• Holiday trip cancellation due to your pet’s medical emergency.
• Cremation or burial costs.
• The unlimited plan includes wellness coverage for routine care, such as vaccinations, blood work, flea control, preventative heartworm medication and annual check ups.

Petsecure is currently available across Canada.

Petsecure does not offer any additional coverage as riders or add-ons.

Like all pet insurance companies, Petsecure does not cover pre-existing conditions, also called foreseeable conditions, defined as “any condition that starts or shows symptoms, with or without a confirmed diagnosis” prior to enrollment or within any applicable waiting periods.

In addition, Petsecure does not cover:

• Prescription food and special diets.
• Spay or neuter surgery.
• Breeding, pregnancy and whelping.
• Elective procedures, such as tail docking or ear cropping.

Pet insurance companies have what’s called a waiting period, which is the amount of time before your policy is effective and you can be reimbursed for claims.

With a Petsecure policy, there is a 48-hour waiting period for accidents and a 14-day waiting period for illnesses. There is also a six-month waiting period for cruciate ligament injuries or intervertebral disc disease, and a six-month waiting period for dental coverage.

Maximum annual limit options
Secure 1: $1,000 per accident, $1,000 per illness, $200 dental
Secure 2: $2,500 per accident, $2,500 per illness, $300 dental
Secure 3: $5,000 per accident, $5,000 per illness, $400 dental
Secure 4: Unlimited per accident, unlimited per illness, $600 dental, $450 wellness

Deductible options
$100 (For Secure 1, 2 and 3)
$300
$250 (For Secure 4)
$400

Reimbursement options
80%

*Applies an age-based deductible as your pet gets older.

Here’s how the age-based deductible works:

Petsecure offers a 10% discount for enrolling three or more pets, and 15% for six or more pets.

Established in 1989, Petsecure Pet Insurance is the flagship brand for Petline Insurance Company. Canada’s largest and most-trusted pet insurance company, Petsecure offers comprehensive coverage, including preventive care.

Petsecure offers a program for pet shelters called Adoptsecure that provides six weeks of complimentary pet health insurance (80% coverage for accidents and illnesses up to $500) to guardians of newly-adopted dogs and cats from shelters. Petsecure also offers a program for pet breeders called Breedsecure that provides six weeks of complimentary pet health insurance for new puppy and kitten owners (80% coverage for accidents and illness up to $750 for puppies and $500 for kittens).

To find the best pet insurance we reviewed each company’s policy wording and used data provided by PetInsurer.com to score each pet insurance company based on the following:

Pet insurance rates: 40% of score. We calculated average rates for plans with $5,000 or unlimited coverage, a $100 deductible and an 80% reimbursement level, or the closest options available.

Special waiting period: 10% of score. Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that had no waiting period, a waiting period of six months or less, or the ability to have the waiting period waived scored higher.

Direct payment to vet: 10% of score. Pet insurance companies that have the ability to pay a vet directly earned points.

24/7 vet health line: 10% of score. Insurers that provide access to a 24/7 vet health line scored in this category.

Routine wellness plans: 10% of score. Insurers that offer wellness plans, either included with a plan or as a rider, earned points.

Coverage for dental illness: 10% of score. While most insurers cover dental accidents, not all insurers cover dental illnesses, such as gum disease or cleanings. Plans with more extensive dental coverage scored higher.

Pet ownership assistance: 5% of score. Insurers that include coverage for pet owner expenses, such as advertising and reward for lost pets, boarding for medical emergencies, end of life expenses and/or vacation cancellation, scored in this category.

Any discount: 5% of score. Insurers that offer any kind of discount, including a multi-pet discount, healthy pet discount, loyalty discount, etc., earned points.