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 6.4 3.4 4.6
Count 5 18 205
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
1
Out of 10

Terrible communication/customer service

Posted: 05/31/2021
By:
A
Smith

I agree with the posted comments about the lack of customer service. I have tried to call them over the course of 3 weeks, various times of day and days of the week with a recording saying I have either a 15min or 30min wait time----after one hour of waiting still no answer. I have also emailed them and received very delayed responses or none at all. My vet has also voiced the opinion that the contact/communication with this company is very poor.

I don't recommend them at all.

Injury/illness
Claim Amount
Breed

Tabby

Age of Pet
1 - 8
2
Out of 10

Unacceptable processing time

Posted: 05/30/2021
By:
Heather
Shaw

Nothing about submitting claims and receiving payment with this company is easy. Signatures are required from both the vet and the customer before submitting the claim. The length of time for a claim to be received after submitting (either by email or fax) is upwards of 4-5 weeks and after you receive a notice that it has been received it is at least 14 days before you are notified of coverage. Then it is another wait before there is a payout. If you are looking for pet insurance so that you don't have money held up waiting for insurance payment, this is not the company to choose. If you need to do a predetermination of a claim before proceeding with treatment it can take upwards of 3 weeks. How does that make sense if your pet is in pain?

Injury/illness
Claim Amount
Breed

Mixed Breed Medium (20-70 Lbs)

Age of Pet
Over 8 years
3
Out of 10

Not transparent

Posted: 05/29/2021
By:
Laura
Blanke

When trying to sign up for an insurance plan, my vet didn't automatically pop up and so I couldn't proceed any further. I emailed customer service about this, they responded asking about a window of time in which someone could call me. I gave them my availability, but then did not hear back from them for over a month (only heard from them after I sent a follow-up email asking for a call). The rep finally called me and helped set me up with a plan.

A few months later, my cat had an issue with one of his teeth and it needs to be extracted. When I called in to ask a couple of questions, the rep told me "well first of all, you don't have dental coverage yet because you're still within the 6 month waiting period". When the rep had called me to set up the plan in the first place, the only mention of a waiting period was the first couple days after signing up for the policy. There was no mention of any other waiting periods.
When I called in with questions about the dental extraction, I told the rep that this was news to me and asked her to point me in the direction of where this would be indicated. Insurance Summary simply says "your policy may be subject to waiting periods", but when they so heavily emphasize the first couple days after signing up for the policy, there is no reason to think that the waiting period mentioned on the Insurance Summary would be referring to anything other than that. Not to mention the fact that they refer you to the Policy Wordings, where there is no mention of waiting periods until page 22!

Customer service was pleasant to deal with once I got hold of people, but overall severely disappointed in the lack of transparency throughout this process. Probably going to opt out of the plan.

Injury/illness
Claim Amount
Breed

Domestic Short Hair

Age of Pet
Under a year
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.