Petsecure | Pet Insurance Review

2.5

out of 5

Number of reviews 226

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.
1

out of 5

POSTED: | BY: James Kall

We gave them a 1 rating only because we could not rate them even lower

Petsecure agents are well-versed and prepared to find each and every way of denying coverage. Truly a heartless scam.
1

out of 5

POSTED: | BY: Philippa Hood

Stay away from Petsecure - don’t make the same mistake I did

I would strongly advise anyone looking for pet insurance to look elsewhere. My 3 months with Petsecure has been absolutely horrific. I got pet insurance for my puppy 3 weeks after I got her - I got their absolute best insurance pack, as I wanted to make sure she would be well looked after in case of emergency. The day after I got the pet insurance she vomited because of eating a set of my husbands headphone ear buds. I called (on the telephone - it wasn’t even a visit) the vet to ask his advice, and was just told to monitor her, which I did with no issue. 1 month after this she started vomiting frequently, at which point the vet said that he wanted to xrays ($620). These were covered under the insurance. Fast forward another month and the problem has persisted - now the vet wants to do an endoscopy and surgery ($10,000). At this point Petsecure come back and say that they are not covering her for ANY gastrointestinal problems EVER anymore because apparently her vomiting the day after I got the policy makes it a pre-existing condition (funny how that wasn’t the case when I was looking to get the xrays done, but still had a $400 deductible). I have found Petsecure pet insurance to be a total scam, and I would strongly recommend avoiding them. Don’t make my mistake - do your research and find a better insurer or put money away to cover your pet’s costs.
1

out of 5

POSTED: | BY: J

Complete waste of money and time

Petsecure has done nothing but take our money, and not cover a SINGLE treatment for our dog, all because of their intentional and ridiculous clauses/etc in their policy (yes - my fault for not reading them in advance, but I trusted that their policy would be reasonable enough to cover at least some portion of any treatments my dog may need... boy was I wrong). Save yourselves the $, headache and time of dealing with this company.
1

out of 5

POSTED: | BY: sahar

Horrifying insurance, STAY AWAY

Absolutely terrible. Have had petsecure for over a year now, was promised coverage and got $50 from a $300+ doctors visit for my cat. They will do everything possible to not cover your claims. They say that they cover regular check ups but THEY DO NOT. Ended up cancelling my insurance for both of my cats and got called 2 months later saying i owe them the money that i haven’t paid in those 2 months because i did not write them an email saying i would like to cancel, even though i had called and talked to a CSR & she did not advise me that i would need to make such an email. Ended up arguing with this “supervisor” and had her threaten that it will be sent to collections because i am not paying. Incredibly rude and they do not care about anything except the money they are after. Wish i could give a 0 rating. Absolutely disgusted with Petsecure and would not recommend to anyone. Waste of time & money.
1

out of 5

POSTED: | BY: Announomus

Worse insurance company

Stay away from this company. Lots of policy and fine print you need to go through before purchasing insurance. At the end they won’t cover anything as it probably somewhere in one of their policies mentions about it. Lots of distractions and limits on what they cover. False and misleading advertisement on their website.

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.

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