Petsecure Review (September, 2026) – Pros, Cons, Features, & Pricing

Pet insurance is becoming increasingly popular in Canada as pet owners look for ways to manage the rising cost of veterinary care. One of the most established providers in the space is Petsecure, a Canadian company that has been helping pets stay healthy for over 35 years.

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Last Updated: Sep 23, 2026

Petsecure

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Covers unexpected accidents and illnesses
Routine dental care is included in every Petsecure plan
Four plans to choose from with no age limits

Start saving 80% on accidents, illnesses and more - Claim this offer

With more than 7 million paws protected, Petsecure offers flexible coverage options designed to help reimburse eligible veterinary expenses and give pet owners peace of mind.

Key highlights:

One annual deductible per policy year, regardless of the number of claims
Get up to 80% back on eligible vet bills (including exam fees and taxes)
Coverage for accidents, illnesses, and many hereditary conditions
Four plans available to suit different budgets and needs

Pros and cons of Petsecure pet insurance

Pros of Petsecure Pet Insurance	Cons of Petsecure Pet Insurance
⭐ Comprehensive Coverage: Petsecure offers a range of plans that cover accidents, illnesses, and many hereditary and congenital conditions. This helps protect against both unexpected injuries and ongoing health issues.	Pre-existing conditions are not covered: Like most pet insurance providers, Petsecure does not cover conditions that were present before the policy started.
➕ Additional Coverage Options: With four different coverage levels, pet owners can choose a plan that fits their budget and their pet’s needs, from basic accident coverage to more comprehensive protection.	Routine & preventative care generally not included: Standard plans typically focus on accidents and illnesses. Routine care such as vaccinations or annual checkups is usually not covered.
🎉 Reimbursement up to 80%: Petsecure reimburses up to 80% of eligible veterinary costs, helping reduce out-of-pocket expenses.	Coverage varies by plan: Some benefits, such as wellness, may only be included in higher-tier plans or under specific conditions.
1️⃣ One annual deductible: Unlike some providers that apply a deductible per condition, Petsecure uses one annual deductible, making costs more predictable.	Premiums can increase over time: Like other insurers, costs may rise as your pet ages or if veterinary costs increase.
🩺 Freedom to choose your veterinarian: Petsecure allows you to visit any licensed veterinarian in Canada. There are no network restrictions.	Policy limits apply: Coverage limits (such as annual or per-condition limits) vary depending on the plan selected, so it’s important to review details carefully.
🐾 Multi-pet discount available: Pet owners with more than one pet may qualify for savings when insuring multiple animals.

Petsecure coverage options

Petsecure offers four levels of coverage for cats and dogs, allowing pet owners to choose a plan based on their needs and budget.

Secure 1	Secure 2	Secure 3	Secure 4
up to 80% reimbursement	up to 80% reimbursement	up to 80% reimbursement	up to 80% reimbursement
$1,000 covered per accident	$2,500 covered per accident	$5,000 covered per accident	Unlimited coverage per accident
$1,000 covered per condition, per year	$2,500 covered per condition, per year	$5,000 covered per condition, per year	Unlimited coverage per condition, per year
$200 dental coverage per year	$300 dental coverage per year	$400 dental coverage per year	$600 dental coverage per year
No wellness coverage	No wellness coverage	No wellness coverage	$350 in wellness coverage for cats, $450 for dogs

Coverage details vary by plan, so reviewing the policy terms is essential before choosing.

petsecure pet insurance pricing - comparewise

Petsecure pricing

The cost of Petsecure pet insurance depends on several factors, including:

Your pet’s breed
Your location
The level of coverage selected
Your deductible and reimbursement level

For example, insuring a young cat on a basic plan will typically cost less than insuring an older dog on a comprehensive plan.

Petsecure may also offer:

Multi-pet discounts
Promotional offers (such as a percentage off your first year)

Petsecure may also offer multi-pet discounts. To get accurate pricing, it’s best to request a personalized quote.

How does Petsecure pet insurance work?

Petsecure operates on a reimbursement model:

You pay your veterinarian directly at the time of treatment
Submit a claim to Petsecure with your invoice and documentation
Petsecure reviews the claim and reimburses eligible expenses based on your plan

Your reimbursement amount depends on:

Any applicable limits or exclusions
Your coverage level
Your deductible

What does Petsecure cover?

Petsecure Pet Insurance covers a wide range of accidents, illnesses, and other medical conditions that can occur with your pet. The coverage options include:

1. Accidents

Coverage includes injuries such as broken bones, cuts or burns.

2. Illnesses

Plans can cover conditions like infections, cancer, diabetes, and skin disorders.

3. Hereditary and Congenital Conditions

Depending on the plan, coverage may include conditions such as hip dysplasia or heart disease.

4. Diagnostic testing

Tests like X-rays, ultrasounds, and lab work are typically covered when related to eligible conditions.

5. Prescription medications

Medications prescribed by a veterinarian for covered conditions are usually included.

6. Dental treatment (with Secure 4 plan)

All plans include dental coverage.

7. Examination fees

Exam fees related to covered treatments may be eligible for reimbursement.

petsecure insurance online - comparewise

Petsecure waiting periods

Like most pet insurance providers, Petsecure applies waiting periods before coverage begins. This means certain conditions (if they are covered) won’t be eligible for reimbursement immediately after you purchase a policy.

Typical waiting periods may include:

Accidents: Usually covered within a short period after enrollment
Illnesses: Often subject to a longer waiting period
Specific conditions (e.g., orthopedic issues): May have extended waiting periods depending on the plan

Waiting periods can vary by policy, so it’s important to review your plan details carefully before purchasing.

Petsecure coverage limits and deductibles

Understanding how limits and deductibles work is key to choosing the right plan.

Annual deductible

Unlike other insurers, Petsecure uses a single annual deductible per policy year. Once you’ve met your deductible, eligible claims are reimbursed according to your plan.

Coverage limits

Each plan includes limits on how much you can be reimbursed. These may include:

Annual limits
Per-condition limits

The exact limits depend on the coverage level you choose, so comparing plans is important to ensure you have adequate protection.

What Petsecure does not cover

While Petsecure offers comprehensive coverage, there are some exclusions to be aware of:

Pre-existing conditions
Routine and preventative care (e.g., vaccinations, annual exams), unless you have the Secure 4 plan
Cosmetic or elective procedures
Breeding-related costs
Certain dental procedures (unless related to covered conditions)

Always review the policy wording to understand the full list of exclusions.

Petsecure vs other pet insurance providers

Petsecure is one of several pet insurance options available in Canada. Here’s how it generally compares:

Where Petsecure stands out:

Long-standing reputation (35+ years in Canada)
One annual deductible (simpler cost structure)
Multiple plan options for different budgets
Coverage available nationwide

Where others may differ:

Some competitors offer higher reimbursement rates (up to 90%)
Others may include optional wellness or preventative care add-ons in lower tier plans
Pricing structures and coverage limits can vary

Comparing providers side by side can help you find the best fit for your pet and budget.

Is Petsecure worth it?

Petsecure is a strong choice for pet owners who:

Want a well-established Canadian provider
Prefer predictable costs with one annual deductible
Are looking for multiple plan options
Want coverage for accidents, illnesses, and many hereditary conditions

Ultimately, the value of Petsecure depends on your pet’s needs and your financial preferences.

How to sign up for Petsecure

Getting started with Petsecure is straightforward:

Request a quote online
Choose your preferred coverage level
Select your deductible and reimbursement options
Review policy details and exclusions
Activate your coverage

Once your policy is active and waiting periods are complete, you can begin submitting claims for eligible expenses.

Tips for choosing the right Petsecure plan

Before selecting a plan, consider the following:

Your pet’s age and breed: Some breeds are more prone to certain conditions
Your budget: Balance monthly premiums with potential out-of-pocket costs
Coverage limits: Higher limits may offer better long-term protection
Deductible level: A higher deductible can lower your premium
Reimbursement percentage: Determines how much you’ll get back per claim

Taking the time to compare options can help you choose a plan that fits both your needs and your budget.

Petsecure customer reviews

Customer feedback for Petsecure is generally positive, particularly when it comes to:

Fast and straightforward claims processing
Clear coverage options
Long-standing reputation in Canada

Some customers note that premiums can be higher compared to newer providers, and others mention the importance of understanding exclusions before purchasing a policy.

As with any insurance product, experiences can vary, so it’s a good idea to compare reviews and plan details carefully.

Petsecure review verdict

Petsecure stands out as one of Canada’s most established pet insurance providers, offering a range of plans designed to suit different budgets and needs.

With over 35 years of experience, nationwide coverage, and flexible plan options, it’s a strong choice for pet owners looking for reliable protection against unexpected veterinary costs.

However, it’s important to review plan details carefully, especially coverage limits and exclusions, to ensure the policy matches your expectations.

Thanks for checking out our Petsecure review!

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FAQs about our Petsecure review

What is Petsecure?

Petsecure is a Canadian pet insurance provider that offers coverage for veterinary expenses related to accidents and illnesses in dogs and cats. It is headquartered in Winnipeg, Manitoba and has been operating for over 35 years.

Is Petsecure Legit?

Yes, Petsecure is a well-established and trusted pet insurance provider in Canada with decades of experience in the industry.

How much does Petsecure insurance cost?

Pricing varies depending on your pet’s breed, location and coverage limit. Getting a personalized quote is the best way to determine cost.

Is Petsecure available across Canada?

Yes, Petsecure provides coverage to pet owners across Canada.

Does Petsecure include a deductible?

Yes, Petsecure policies include one annual deductible, which applies regardless of the number of claims made during the policy year.