Petsecure has been insuring Canadian pets for decades and built its reputation on broad eligibility and clean, comprehensive plans. Here's the honest read on what the policy does well and where it falls short relative to competitors.
Coverage at a glance
| Feature | Petsecure |
|---|---|
| Reimbursement rate | 80% standard (plan-dependent) |
| Annual payout cap | Capped — varies by plan tier |
| Deductible structure | Annual |
| Direct vet pay | No — reimbursement model |
| Max enrolment age | No strict upper limit (subject to underwriting) |
| Waiting period (illness) | 14 days |
| Wellness / routine care | Optional add-on |
| Hereditary / congenital conditions | Covered after waiting period |
| Plan customization | Streamlined — fewer plan choices than some competitors |
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Pros and cons
✓ What works
- Comprehensive coverage from a long-standing Canadian brand
- Optional wellness add-on covers routine care (vaccines, dental cleaning, etc.) — not available with Trupanion
- Shorter illness waiting period than Trupanion
- Broader eligibility for older pets
- Annual deductible is easier to budget for than per-condition structures
✓ What doesn't
- Annual payout cap limits exposure on catastrophic, ongoing conditions
- Reimbursement model — you pay up-front, then submit for reimbursement
- Lower reimbursement rate (80%) than Trupanion's 90%
- Plan customization is more limited than Pets Plus Us
Who it's best for
- Older pets where Trupanion's pricing gets steep
- Owners who want routine-care coverage included via the wellness add-on
- Owners who prefer a familiar annual-deductible structure
- Anyone comparing comprehensive Canadian plans on monthly cost rather than catastrophic ceiling
Our verdict
Bottom Line
Petsecure is a solid, well-established Canadian comprehensive policy — particularly attractive if you want wellness coverage included, your pet is older, or you're shopping on a monthly budget. For young pets with a long horizon and higher catastrophic risk, Trupanion's unlimited-cap structure often wins on long-term math. Get quotes from both — pricing varies more than you'd expect.
Frequently asked questions
Does Petsecure cover hereditary and congenital conditions?
Yes — covered after the waiting period elapses, provided no symptoms or diagnosis existed before enrollment. Some specific conditions have longer waiting periods; check the policy wording.
Is Petsecure available across Canada?
Yes — Petsecure is a Canadian-licensed insurer serving customers across the country.
What does the wellness add-on cover?
The optional wellness add-on typically covers routine items like vaccinations, dental cleaning, parasite prevention, and annual checkups, up to plan-specific limits. Verify the exact list with Petsecure before enrolling — wellness coverage details change.
How do claims work?
You pay your vet up-front, then submit the receipt and claim form to Petsecure (online or via app). Reimbursement is processed and deposited to your account within a few business days for straightforward claims.
How does Petsecure compare to Trupanion?
See our full Trupanion vs Petsecure comparison — the structural differences (annual vs per-condition deductible, capped vs unlimited payouts, wellness add-on or not) matter more than the headline reimbursement rates.