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.
4

out of 5

POSTED: | BY: Char

Very Good

I have been with Petsecure for 4 years now. My German Shepherd has always been very sickly. We have made probable close to $5,000 dollars in claims even with 3 major exclusions (skin, digestive and dental occlusion). They are usually very prompt with their payments. I usually receive them 2-3 weeks after I file it. The customer representatives are very helpful. The only negative feedback I have is to do with a clause in the plan that allows them to reduce co-insurance down to 50% if you fall within the top percentile of claims. I have fallen down to 60%. This is not permanent and is reassesed every 6 months. All in all I am very happy with my choice.
5

out of 5

POSTED: | BY: Stephanie

Very Caring Company!

I had a miniature Dachshund, who was jumped on by a much larger dog and broke his back. He was in the Animal Hospital for a two weeks, and on many medications, but tragically succumbed to his injuries. Thank goodness for Pet Secure! They covered the majority of my costs for his vet stay, medications, even paid out a small life insurance sum when he died. They even sent out a handwritten card saying how sorry they were that I lost my pet.I haven't yet adopted another dog, but when I do, I will definitely be going with Pet Secure again!
5

out of 5

POSTED: | BY: Gail

Excellent care for 17 1/4 years

I have had Pet Plan / Pet Secure for 171/4 years. I had two Bichon's until March / 09 and now I have one. I have always had the best plan for my dogs and even when I only had 50 % coverage because of multiple issues they always paid my claims promptly and allowed me to provide the very best care for my dogs. My dogs have and had many many issues. Rufus (17 1/4 ) has kidney failure, Cushings disease, recurring anal gland infections, a heart murmer, allergies requiring allergy shots biweekly since age two and he had a near death experience when he was 12 when his larynx collapsed at the groomers. Along with 3 crutiate ligament surgeries , a laser eye treatment, dentistry from a veterinary denttist and countless other medical issues Pet Secure Insurance has paid a large part in maintaining Rufus's (relative) good health. He does not look ill and he is maintaining his weight and is still going strong.We had Toni for almost 13 years. She had bladder stones, crutiate ligament surgery, heart disease and many surgeries to remove benign lumps. Again my experience with Pet Sercure has been amazing and I heartily recommend it to any caring and responsible pet owner. I never wanted to second guess what vber my vet told me the dogs needed. I never wondered about the cost of a procedure. My claims were processed quickly and I never had a problem. Both dogs eventually were at the 50 % coverage rate but 50 % of their very large bills was still a great help. Kudos to Pet Secure for providing excellent pet insurance.
3

out of 5

POSTED: | BY: Sandi

Very good company unless you really need it.

I was one of the first customers with this pet insurance company (my original policy number was 195) starting in 1989. So, over the past 20 years, I have paid a lot in premiums. I had the misfortune of having two diabetic cats in a row. Pet Secure (formerly Pet Plan) did provide excellent service for a lot of years. But, with my last diabetic cat (who also had kidney disease), I started to have a lot of problems. I would have fights with the reps, including one woman who wouldn't let me say a word and was yelling me down. Then my claims started to be paid on a sliding downward scale (down to 50%)as I was making too many claims. Well, I paid 10 years of premiums on that cat with the expectation that if he became ill, his vet bills would be paid. Unfortunately, Pet Secure didn't have the same expectation.
5

out of 5

POSTED: | BY: Terry

Simply the best!

I have 2 cats (we lost the third late '08), 1 dog and two 60 gallon fish tanks. Having insurence was always in the back of my mind, but I never seemed to do it. I was the lucky winner of the Petsecure Pet Month contest and 1 year of pet insurance was just one of the many wonderful prizes I recieved. I count my blessing that I have never had to use it, but have a small dog(Pomeranian) in what seems to be a big dog world, it sets my mind at ease. It was easy to register and they sent me out a complete package outlining exacty what was covered. There are not many things they don't cover and at a reasonable price. When I called them they were very friendly and helpful. Petsecure has my vote for a top notch company with excellent customer service! I will continue to keep insurance on my dog with Petsecure even after my year has expired! I would reccomend anyone with a pet to explore Petsecure's options. I did a little exploring prior to winning the contest and was not very happy with what I found as other companys did not meet my needs.

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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