Petsecure Pet Insurance Review
Petsecure is a proudly Canadian company with over 30 years of experience, offering four flexible plan levels from basic accident coverage to comprehensive plans with wellness. Unique feature: premiums don't increase based on your pet's age.
Quick Summary: Is Petsecure Worth It?
Petsecure offers 80% reimbursement with annual limits up to Unlimited.Monthly premiums range from $25-$100 for dogs and $18-$60 for cats. Note: There's a 6-month waiting period for orthopedic conditions.
Petsecure Waiting Periods
All pet insurance has waiting periods before coverage starts. Here's what to expect with Petsecure:
Pre-Existing Conditions Policy
Understanding how Petsecure handles pre-existing conditions is crucial before enrolling.
Any condition that existed before coverage or during waiting periods
Petsecure Pros
- 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)
- No upper age limit for enrollment
Petsecure Cons
- 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
- Some complaints about claim denials
What Petsecure Covers
Core Coverage
- Yes Accidents
- Yes Illnesses
- Yes Hereditary conditions
- Yes Congenital conditions
- Yes Chronic conditions
- Yes Cancer
Medical Services
- Yes Exam fees
- Yes Prescriptions
- Yes Diagnostics (X-rays, MRI)
- Yes Surgery
- Yes Hospitalization
- Yes Emergency care
Dental & Therapies
- Yes Dental (accident)
- Yes Dental (illness)
- Yes Alternative therapy
- Yes Behavioral therapy
- Yes Physical therapy
Petsecure Plans
Secure 1
- Basic coverage
- Accidents & illnesses
Secure 2
- Dental included
- Alternative therapies
Secure 3
- Higher limits
- Behavioral therapy
Secure 4
- Wellness coverage
- No treatment limits
- Preventive care
Claims Experience
- Processing Time:5-10 business days
- Direct Vet Pay:No - reimbursement only
- Mobile App:Not available
- Submit via:online, email, fax, mail
Mixed reviews. Some complaints about coverage being reduced to 50% after multiple claims. Good reputation for Canadian service.
About Petsecure
- Headquarters:Winnipeg, MB
- Founded:1989
- Underwriter:Petline Insurance Company
- Available in:All Canadian provinces
Eligibility Requirements
- Minimum age: 8 weeks
- Maximum enrollment age: No limit
- No maximum enrollment age
- Any vet: Yes
- US travel coverage: Yes
Available Discounts
- Multi-pet discount: 5%
- Donations to animal shelters from each policy
Ready to protect your pet with Petsecure?
Get a personalized quote based on your pet's age, breed, and location.
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Petsecure Head-to-Head Comparisons
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