About Petsecure
Petsecure has been providing affordable pet insurance to Canadians since 2000. As part of PTZ Insurance Services, they focus on offering straightforward, budget-friendly coverage that makes pet insurance accessible to all Canadian pet owners.
What Makes Petsecure Stand Out
Affordable Pricing: Petsecure consistently offers some of the lowest premiums in Canada, making pet insurance accessible to more families.
Simple Plans: No confusing tiers or complicated options. Petsecure keeps things straightforward with clear coverage terms.
Canadian Focus: As a Canadian company, they understand provincial regulations and work seamlessly with Canadian veterinarians.
Coverage Details
What's Covered
- Accidents: Broken bones, lacerations, foreign objects, poisoning, car accidents
- Illnesses: Cancer, infections, diabetes, kidney disease, liver disease
- Hereditary Conditions: Hip dysplasia, heart conditions (if not pre-existing)
- Exam Fees: Veterinary consultation fees for covered conditions
- Diagnostic Tests: X-rays, blood work, ultrasounds
- Surgeries: Emergency and non-elective surgeries
- Prescription Medications: For covered conditions
- Hospitalization: Emergency care and overnight stays
- Chronic Conditions: Ongoing treatment for covered conditions (up to annual limit)
Optional Wellness Add-On
- Annual health exams
- Vaccinations
- Dental cleaning (once per year)
- Flea/tick prevention
- Heartworm prevention
- Spay/neuter procedures
What's NOT Covered
- Pre-existing conditions
- Breeding costs
- Cosmetic procedures
- Elective surgeries (unless wellness add-on)
- Behavioral therapy
- Exam fees for wellness visits (unless wellness add-on)
Plan Options
Two Main Plans:
-
Accident & Illness Plan
- Annual Limits: $5,000, $10,000, or $15,000
- Coverage: 80%
- Deductible: $100, $250, or $500
- Best for: Comprehensive protection
-
Accident-Only Plan
- Annual Limit: $5,000
- Coverage: 80%
- Deductible: $100 or $250
- Best for: Budget-conscious owners, young healthy pets
Wellness Add-On: $15-25/month additional
- Reimburses up to $300/year for routine care
Pricing Structure
Factors Affecting Price:
- Pet's breed and size
- Pet's age
- Your province
- Chosen annual limit
- Chosen deductible
Typical Monthly Premiums:
- Dogs: $40 - $75/month
- Cats: $25 - $50/month
- Accident-Only (Dogs): $20 - $35/month
- Accident-Only (Cats): $15 - $25/month
Discounts:
- Multi-pet discount (5%)
- Annual payment discount (small savings vs monthly)
Customer Experience
Claim Process:
- Pay your veterinarian upfront
- Complete claim form (online, app, or paper)
- Submit itemized invoice and medical records
- Claims reviewed within 5-10 business days
- Reimbursement via direct deposit or cheque
Customer Support:
- Phone support (Monday-Friday, 8 AM - 8 PM EST)
- Email support (response within 24-48 hours)
- Online claims portal
- Mobile app (iOS and Android)
- Comprehensive FAQ section
Reviews & Reputation
Customer Satisfaction: 4.2/5 stars
Positive Feedback:
- Very affordable premiums
- Simple, straightforward policies
- Claims processed quickly
- Good value for basic coverage
- No hassles with routine claims
Common Complaints:
- Lower annual limits insufficient for major illnesses
- Customer service only available during business hours
- Some claims denied for "pre-existing" ambiguity
- 80% coverage means more out-of-pocket than Trupanion
Who Should Choose Petsecure?
Best For:
- Budget-conscious pet owners
- Young, healthy pets without chronic conditions
- Cat owners (excellent pricing for cats)
- First-time pet insurance buyers
- Owners seeking basic accident/illness protection
Not Ideal For:
- Pets with expensive chronic conditions (annual limits too low)
- Those who want 24/7 customer support
- Pet owners seeking 90% coverage or unlimited plans
- People who can't afford upfront vet payments
Special Features
Accident-Only Plan: Unique budget option for those who only want accident protection. Great for:
- Young, healthy pets
- Indoor cats
- Supplementing savings for illness costs
Wellness Add-On Value: At $15-25/month, the wellness add-on can pay for itself with just one annual exam and vaccines.
Fast Claims: Petsecure processes most straightforward claims within 5 business days.
Comparison with Competitors
Here's how Petsecure compares to mid-range and premium competitors. We've highlighted key differences to help you decide if the cost savings are worth the coverage trade-offs.
| Feature | Petsecure | Pets Plus Us | Trupanion |
|---|---|---|---|
| Price Tier | Budget-Friendly | Mid-Range | Premium |
| Monthly Cost | $ | $$ | $$$ |
| Coverage % | 80% | 80% | 90% |
| Annual Limit | $5K - $15K | $5K - $20K | Unlimited |
| Deductible | Annual | Annual | Per-condition |
| Exam Fees | ✅ Covered | ✅ Covered | ❌ Not Covered |
| Direct Pay | ❌ No | ❌ No | ✅ Yes |
| Wellness Add-On | ✅ Optional | ✅ Optional | ❌ No |
| Canadian Company | ✅ Yes | ✅ Yes | ❌ No (US) |
Looking for more options? Check out our complete comparison tool to see all Canadian pet insurance providers.
Final Verdict
Rating: 4.2/5
Petsecure offers the best value for budget-conscious Canadian pet owners. While annual limits are lower than competitors, the affordable premiums make pet insurance accessible to more families. It's an excellent choice for young, healthy pets or as a starter policy.
Recommendation: Choose Petsecure if you:
- Want the most affordable pet insurance in Canada
- Have a young, healthy pet without pre-existing conditions
- Need basic accident and illness coverage
- Are getting pet insurance for the first time
- Own cats (pricing is especially competitive)
Not Recommended If:
- Your pet has or develops an expensive chronic condition
- You need unlimited annual coverage
- You want 24/7 customer support
- You prefer 90% reimbursement
Bottom Line: Petsecure is our #3 choice and the best budget option for Canadian pet owners who want basic, affordable coverage.
Affiliate Disclosure: We may earn a commission if you sign up through our links. This helps us keep our reviews free and unbiased.
Last Updated: August 2026