Petsecure Canada Pet Insurance Review

Petsecure is a leading provider of pet insurance services in Canada, offering pet owners four levels of pet insurance coverage. The company was started in 1989 and is 100 percent Canadian-owned and operated. Petsecure reimburses up to 80% for treatments and veterinary services. It offers protection for dogs and cats of any age or breed and offers multi-pet discounts.

 

Plan details

 

Type of contract
Enrollment age	8 weeks and older
Effective date
Waiting period	Accident 48 hrs, illness 14 days, 6 months for dental coverage
Out of country coverage
Claims and policy price
Age limit	Dogs 8 years and older (6 years or older for giant dog breeds) Cats 8 years and up except for those certified as having undergone physical exam, blood profile and urinalysis within the past two months, and pets current with required vaccines.
Annual deductible
Claim limit	$1,000 per incident or no limits for Secure 4 plans

 

Cancellation policy

You must make your request for Policy cancellation in writing by mail, fax or e-mail. Cancellation will take effect when your Policy renews on the first day of the next month following the date we receive your request.

 

How much is it going to cost you?

Co-pay and co-insurance

Up to 80% reimbursement or maximum of 50% pet owner participation

Deductibles

Secure 1,2,3 plans

 

Dogs

Pet’s Age	Accident Plans	Accident/ Illness Plans
Under 5 years	$100/ incident	$100
5 to 10 years	$100/ incident	$300
Over 10 years	$100/ incident	$500

 

Cats

Pet’s Age	Accident Plans	Accident/ Illness Plans
Under 5 years	$100/ incident	$100
5 to 10 years	$100/ incident	$200
Over 10 years	$100/ incident	$300

 

Secure 4 plans

 

Dogs

Pet’s Age	Accident Plans	Accident/ Illness Plans
Under 5 years	$250	$400
5 to 10 years	$400	$550
Over 10 years	$500	$700

 

Cats

Pet’s Age	Accident Plans	Accident/ Illness Plans
Under 5 years	$200	$300
5 to 10 years	$250	$350
Over 10 years	$300	$400

 

*** Deductibles per incident for accidents

 

What does it cover?

 

Accident and illness coverage

Hospitalization

Surgery

Hereditary conditions

Diagnosis

Prescriptions and medications

Alternative therapies

Behavioral therapies

 

Additional benefits

• Boarding kennel fees if you are hospitalized and cannot care $1,000 for your pet per incident
• Holiday cancellation trip cancellation coverage if your pet requires $1,000  emergency, life saving treatment per incident
• Lost pet advertising help getting your lost pet home $1,000 per incident
• Cremation or burial covers the cost of cremation or burial for your pet $1,000
• In Memoriam donation a donation to the Canadian animal community is $50 made to honor your pet in the event of their passing

 

Preventive Care

Dogs (Flexible annual wellness care)

• $450 per year
• Choose where your limit is appointed:

• Examinations

• Vaccinations

• Heartworm testing

• Heartworm prevention

• Flea prevention

• Blood profile

• Urinalysis

• Fecal test or routine de-worming

 

Cats (Flexible annual wellness care)

• $350 per year
• Choose where your limit is appointed:

 • Examinations

• Vaccinations

• Flea prevention

• Blood profile

• Urinalysis

• Fecal test or routine de-worming

 

*** Included with Secure 4 plans

 

What’s not covered?

• Pre-existing conditions
• Non-essential services and supplies
• Any reproductive system expenses (spraying, neutering)
• Pregnancy

 

Summary

When it comes to any type of insurance coverage, a no limit benefit policy is our best protection against accidents and illness. Petsecure offers this option with its Secure 4 plan but this also comes at price. While this option is not recommended for those on a budget or with younger pets, pet owners with older pets should seriously consider this offer. Petsecure scores big with its coverage features and its preventive care services ensure that your pets are kept in tip top shape. Overall, Petsecure is definitely one of the better options for pet owners searching for pet insurance services.