Petsecure is one of the top pet insurance providers in Canada, and available in all provinces and territories. You can choose from a variety of different plans to suit the coverages you are looking for for your special furry friend.
Petsecure offers just about any kind of coverage you might need for your pet. There are a few select coverages that aren't present, but otherwise, they offer a pretty complete set of choices for pet coverage in Canada.
Petsecure features
Here are the full coverages that can be part of a pet insurance package for Petsecure.
Why You Want It
Get top-notch protection for your pet with easy online quotes
Provinces
ALL
Features
Accidents Coverage
Illness Coverage
Procedures Coverage
Dental Care
Hereditary & Breed-specific Conditions
Hospital Stays
Boarding Fees
Alternative Therapy
Medication
Exam Fees
Behavioural Therapy
Medical Devices
Holiday Cancellation
Lost Pet Advertising
Cremation Or Burial
Preventative Care Coverage
Prescription Food Coverage
In Memoriam Donation
Petsecure product rating: 5.0 stars
Petsecure offers pretty much everything you might need for pet insurance. You get to pick and choose what coverage you need from a variety of different plans. The only real drawback? A couple of small things aren't available, but otherwise Petsecure offers a pretty complete set of protection for your furry friends.
Rating methodology
To get our Genius Ratings for pet insurance, we look at all the coverages offered by pet insurance providers. We then compare how many of these coverages each individual company provides. We put these numbers through our own algorithm to produce a final score out of 5.
Learn more about our rating methodology.
The pros of Petsecure insurance
Here are some of the good things about Petsecure pet insurance.
Pros
Four tiered plans to fit any budget
Petsecure offers four coverage levels, Secure 1 through Secure 4, so you can match your plan to your pet's needs and your wallet. Entry-level coverage starts at $1,000 per accident and per condition per year, while the top-tier Secure 4 plan offers unlimited accident and condition coverage, giving serious peace of mind for pet owners who want it all.
Dental coverage included in every plan
Unlike some competitors, Petsecure includes dental care across all four plans, not just as a premium add-on. Coverage ranges from $200/year on the entry plan up to $600/year on Secure 4, making it a strong pick if your pet's oral health is a priority.
Up to 80% reimbursement including exam fees and taxes
Petsecure reimburses up to 80% of eligible vet bills, and importantly, that includes exam fees and taxes — costs that add up fast and are often excluded elsewhere. Combined with a single annual deductible (rather than per-incident), your out-of-pocket surprises are kept to a minimum.
The pros of Petsecure insurance
And here are some downsides as well.
Cons
No prescription food coverage
Like Sonnet, Petsecure explicitly excludes prescription pet food from all plans. If your pet has a chronic condition requiring a therapeutic diet, you'll be covering that cost out of pocket — something worth factoring in if you're comparing plans.
Wellness coverage is only available on the most expensive plan
The annual wellness benefit is a standout feature, but it's locked behind the Secure 4 tier. If you're on a tighter budget and want routine care covered, you'll have to weigh whether upgrading to the top-tier plan makes financial sense for your situation.
Petsecure insurance alternatives
Here’s how Petsecure compares to other pet insurance on the Canadian market.
 |  |  |  | |
|---|---|---|---|---|
| Account | Petsecure | Spot Pet Insurance | Sonnet Pet Insurance | Pets+Us Pet Insurance |
| Genius Rating | ||||
| Why You Want It | Get top-notch protection for your pet with easy online quotes | Get full coverage for your special pet with quick and easy pricing | Competitive pricing + Quick and easy insurance coverage for your furry friend. | Get flexible insurance coverage + Access exclusive benefits with a plan. |
| Accidents Coverage | | | | |
| Illness Coverage | | | | |
| Procedures Coverage | | | | |
| Dental Care | | | | |
| Hereditary & Breed-specific Conditions | | | | |
Show More | ||||
| Get a quote See more Petsecure products Compare | Get a quote See more Spot Pet Insurance products Compare | Learn More See more Sonnet products Compare | Learn More See more Pets+Us products Compare |
FAQ
What does Petsecure pet insurance cover?
Petsecure covers accidents, illnesses, surgeries, hospital stays, diagnostics, X-rays, dental care, medications, behavioural therapy, alternative treatments, medical devices, boarding and kennel fees, lost pet advertising, and holiday cancellations. The top-tier Secure 4 plan also includes wellness coverage for routine preventative care.
How many plans does Petsecure offer?
Petsecure offers four plans: Secure 1, 2, 3, and 4. Coverage limits increase with each tier: from $1,000 per accident on Secure 1, all the way to unlimited accident and condition coverage on Secure 4. Dental coverage and the optional wellness benefit also scale up as you move to higher tiers.
Does Petsecure cover pre-existing conditions?
Like most pet insurance providers, Petsecure does not cover pre-existing conditions, or conditions that arise during the policy's waiting period. This makes it important to insure your pet while they're young and healthy, before any conditions develop.
Can I use any vet with Petsecure?
Petsecure allows you to visit any licensed veterinarian in Canada or the United States. There's no restricted network, so you're free to stick with your current vet. You pay the bill upfront and then submit a claim for reimbursement.
How does Petsecure's deductible work?
Petsecure uses a single annual deductible rather than a per-incident deductible. That means once you've met your deductible for the year, you won't be paying it again every time your pet needs care, which can make a significant difference if your pet has multiple issues in a given year.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
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- Get access to a wide assortment of coverages for your pet
- Choose from an assortment of plans to get the coverage that suits what you need.
- Wide range of coverages available – from accidents, dental care, hospital stays, medication, and more.
- Plans available in all provinces and territories.
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