Coverage at a glance
These two are often shopped together by Canadians weighing a domestic comprehensive plan against a member-discount option. The key thing to understand: CAA Pet Insurance is underwritten by Pets Plus Us, so you're really comparing Petsecure against a Pets-Plus-Us-based plan with a CAA discount layered on. Here's how they line up.
| Feature | Petsecure | CAA Pet Insurance |
|---|---|---|
| Underwritten by | Petline (Petsecure brand) | Pets Plus Us / Northbridge (CAA-branded) |
| Reimbursement rate | 80% standard | 70 / 80 / 90% selectable |
| Annual payout cap | $15,000 / year | $5,000 – $20,000 / year |
| Deductible structure | Annual | Annual |
| Wellness add-on | Yes (Wellness Care) | Yes |
| Member discount | No | Yes (CAA members) |
| Canadian availability | All provinces and territories | Through CAA membership |
| Max enrolment age | No upper limit | 10 years (some plans) |
| Waiting period (illness) | 14 days | 14 days |
Where each one wins
✓ Petsecure shines when…
- No CAA membership required — open to anyone in Canada
- No upper age limit on enrolment, which suits older pets
- Straightforward, predictable plan structure with wellness available
✓ CAA Pet Insurance shines when…
- CAA member discount can lower the premium meaningfully
- Tiered reimbursement and deductible give more configurability
- Convenient to bundle with other CAA insurance products
The honest verdict
Our Recommendation
For owners who want a domestic comprehensive plan with broad eligibility — including older pets — and no membership requirement, Petsecure is the simpler, more universally available choice. The no-upper-age-limit enrolment is a genuine advantage for senior pets.
For existing CAA members where the discount produces real savings, CAA Pet Insurance is worth a quote — but remember it's a Pets Plus Us policy, so compare it against a direct Pets Plus Us quote too, and don't let a small discount outweigh a coverage mismatch.