Petsecure vs Pets Plus Us: Pet Insurance Comparison (2026)
A side-by-side comparison of Petsecure and Pets Plus Us for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
Quick Verdict
Across our scored factors, Petsecure wins 3 to 2. That said, the right pick depends on your pet: Petsecure is best for pet owners who want predictable pricing that won't increase as their pet ages, while Pets Plus Us is best for budget-conscious pet owners, especially costco or caa members.
| Feature | Petsecure 4.1/5 | Pets Plus Us 2.1/5 |
|---|---|---|
| Max reimbursement | 80% | 90% |
| Max annual limit | Unlimited | $15,000 |
| Accident waiting period | 48 hours | 48 hours |
| Illness waiting period | 14 days | 14 days |
| Direct vet pay | No | No |
| Exam fees covered | Yes | No |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $50 | $45 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 4.1/5 | 2.1/5 |
Petsecure
Pet owners who want predictable pricing that won't increase as their pet ages
Get Petsecure QuotePetsecure: Pros & Cons
- Premiums don't increase based on pet's age
- 30+ years in business - established Canadian company
- Four plan levels for different budgets
- Covers exam fees and taxes
- Wellness coverage available (Secure 4)
- 6-month waiting period for orthopedic conditions
- Co-insurance can be changed to 30-50% after claims
- Annual deductible increases with pet's age
- No direct vet pay option
Pets Plus Us: Pros & Cons
- Affordable premiums
- Costco members get preferred rates + first month free
- CAA members get 13.5% discount
- Flex Care covers pre-existing conditions
- No lifetime limits on claims
- Doesn't cover dental or alternative therapies in base plan
- Doesn't cover exam fees
- Complaints about premium increases at renewal
- Claims processing can be slow
Petsecure vs Pets Plus Us: FAQ
Is Petsecure or Pets Plus Us better for pet insurance in Canada?
Petsecure comes out ahead on more of our scored factors (3 vs 2), but the best choice depends on your pet. Petsecure is best for Pet owners who want predictable pricing that won't increase as their pet ages. Pets Plus Us is best for Budget-conscious pet owners, especially Costco or CAA members.
Which has a shorter waiting period, Petsecure or Pets Plus Us?
Petsecure has a 14 days illness waiting period and 48 hours for accidents. Pets Plus Us has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Petsecure or Pets Plus Us?
Average monthly premiums for a dog are about $50 with Petsecure and $45 with Pets Plus Us. Your actual price depends on your pet's age, breed, and location.
Are Petsecure and Pets Plus Us available in Quebec?
Petsecure is available in Quebec. Pets Plus Us is available in Quebec.
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