Petsecure is Canada's oldest and largest pet health insurance provider, offering comprehensive coverage for accidents, illnesses and alternative treatments, as well as optional dental care coverage and exclusive member benefits.

Learn more about Petsecure's plan options and read customer reviews so you can make an informed choice about your pet insurance provider. 

Average customer rating

4.6 Out of 10
60 Days 1 Year Lifetime
Rating 2.1 2.1 4.6
Count 0 15 200
1
Out of 10

Throwing Money Away with PetSecure

Posted: 06/26/2021
By:
Luis
Chacin

Been paying premiums for years and made only 1 claim for a single event/procedure recently. Here is a review of the experience:
1. The website is designed to make it as hard as possible to submit a claim. The page does not accept any file format, except small JPEGs, so you have to know how to convert all your PDFs or other documents from your Vet into low quality JEPGs in order to submit your claim online (it took a while). Then you get an email saying you will hear back from them in 2 weeks. Two, three, and four weeks go by and nothing. The website still shows you have submitted NO claims. You can cal them if you have 30min to wait in line for someone to pick up and when they do, they say they got your claim and will be notified by email.
2. No email comes, but after 4 weeks the website is now updated and the claim is marked as "Complete". However, without any explanation, PetSecure rules that more than 60% of the claim is deemed "Ineligible" (it was a single procedure performed by a specialist), another 20% is deducted as "Co-Insurance" (what? I have no other insurance), and after the $500 deductible, my claim is awarded less than 10% of the value of the claim, equivalent to a couple of months of premium.
Now I realize I'm not the only one. I should have read the real reviews. Don't bother with PetSecure, unless you like throwing money away!

Injury/illness
Claim Amount
Breed

Yorkshire Terrier

Age of Pet
Over 8 years
1
Out of 10

Terrible - do not reccomend!

Posted: 06/16/2021
By:
Hayley
Gregg

TERRIBLE - signed up the very first day when I went to the vet for the FIRST time. They will not cover ANYTHING that comes up in the trial insurance period (2 months) EVEN if you signed up for the insurance and the issue happened after. Then when you sign on for the full insurance they state that anything covered in the trial period will NEVER be covered under your policy. DO NOT SIGN UP FOR TRAIL with them as it intentionally causes you not to be covered for anything that comes up in the first two months FOREVER. This is intentional. WORST SERVICE EVER, total waist of money. Also the claim process is complicated and not clear.

Injury/illness
Claim Amount
Breed

Wheaten Terrier

Age of Pet
Under a year
5
Out of 10

Slow to process claims

Posted: 06/15/2021
By:
Fred
Fred

I was sold on the idea that ALL claims would be processed within 14 business days however its ALWAYS been greater than 21 business days to get anything completed.
Communication is weak and has frustrated me immensely anytime I've talked to someone. In the beginning it was "oh we are waiting on a document from you..." OK rookie mistake BUT it would have been nice if they advised me that I needed to submit more info instead of me calling them 3 weeks after the claim was sent it. Ive always made sure to send in all documents upfront now and the answer is "we are backlogged now and processing claims a week before your submission date (same answer with all my inquiries about claims).
Only been a year that I've used petsecure and wish Management would look into processing timelines and either be honest with customers and tell them processing times are greater than 21 business days or change it on the contract to reflect 21 business days. OR better yet figure out internally why these published dates cant be met.

Injury/illness
Claim Amount
Breed

Beagle

Age of Pet
Under a year
2
Out of 10

Claim processing way too slow

Posted: 06/09/2021
By:
David
Ramsay

Processing is way too slow. Claim was sent by fax May 3rd received email stating they received it on May 20th and said it would be another 14 business days to process. Its June 8th and still no money. Since when does a fax take 17 days to reach someone.?? Also another claim sent May18th by email received by them June 8th. Seriously thinking about going back to Trupanion insurance that I had with my last dog. They never took more than 14 days to process a claim and sometimes in as little as 7 days.

Injury/illness
Claim Amount
Breed

Poodle - Standard

Age of Pet
1 - 8
Monthly Cost

Premiums will vary depending on your plan choice, breed and location. 

 

Coverage

Choose between 4 levels of cover for Accident, Illness and Dental treatment.

Secure 1 offers $1,000 per Accident cover, $1,000 Illness cover per condition, per year and $200 Dental cover.

Secure 2 offers $2,500 per Accident cover, $2,500 per condition, per year Illness cover and $300 Dental cover.

Secure 3 offers $5000 per Accident cover, $5,000 per condition per year cover and $400 Dental cover. 

Secure 4 offers unlimited cover for Accidents and Illness and $600 per year Dental cover, and Wellness cover.

Plans offer 80% coverage (20% co-insurance) after annual deductible satisfied.

 

Payout Limits

Annual limits of $1,000, $2,500, $5000 or unlimited cover depending on your chosen plan. Limit amounts are per accident or per illness/condition per year.

Dental coverage amounts depending on plan choice.
 

 

Deductible

Annual- Age Based Deductibles

Deductible A

$100 - $500

Deductible B

$200 - $700

 

*Secure 4 with Wellness Care

Deductible A

$250 -$500

Deductible B

$300 - $700

 

Age Limits

Pet must be at least 8 weeks old to enroll. 
No age limit

 

Waiting Period

48 hours for accidents

14 days for illness

6 months for dental, cruciate ligament injuries or interverebral disc disease

 

Exclusions

Pre-existing conditions are not eligible for coverage.

 

Petsecure is Canada's largest pet health insurance provider, offering comprehensive, veterinarian-recommended coverage for dogs and cats of all breeds and ages.

In over 28 years, Petsecure has cared for more than 1.2 million pets.

Petsecure offers coverage for accidents, illness, dental care and alternative treatments, as well as exclusive member benefits.

Petsecure is committed to community involvement, donating over $500,000 to various animal organizations across Canada.