About Petsecure
Petsecure is a 100% Canadian-owned and operated pet health insurance provider with more than 35 years of experience protecting pets in Canada. Petsecure says it has protected more than 1.4 million pets. Its policies are underwritten and distributed by Petline Insurance Company, based in Winnipeg, Manitoba.
What Makes Petsecure Stand Out
Four Coverage Levels: Petsecure offers four comprehensive plans—Secure 1, Secure 2, Secure 3, and Secure 4—so owners can choose different benefit limits while retaining up to 80% reimbursement on eligible veterinary expenses.
Exam Fees and Taxes Included: Eligible reimbursements include veterinary exam fees and taxes, which are not included by every pet insurer.
Dental Coverage in Every Plan: Routine dental coverage is included across all four Petsecure plan levels, with the annual amount increasing at higher tiers.
Annual Deductible: Petsecure uses one annual deductible rather than a separate deductible for each condition. The policy wording states that age-based deductible adjustments apply as pets get older.
Canadian Owned and Operated: Petsecure describes itself as 100% Canadian owned and operated and says it has more than 35 years of experience protecting pets.
Coverage Details
What's Covered
Depending on the plan and applicable limits, Petsecure lists coverage for:
- Accidents and illnesses
- Hospital stays
- Surgeries
- Diagnostics and X-rays
- Medications
- Veterinary exam fees and taxes on eligible claims
- Dental care
- Behavioural therapy
- Alternative treatments
- Medical devices
- Boarding and kennel fees
- Lost-pet advertising
- Holiday cancellations
Coverage varies by plan and is subject to the policy terms, limits, waiting periods, and exclusions.
What's NOT Covered
Petsecure lists the following among its exclusions:
- Pre-existing conditions
- Cosmetic or elective procedures
- Alternative medications without a Drug Identification Number (DIN) or Natural Health Product (NHP) number
- Prescription pet food
- Expenses resulting from pregnancy
- Spay or neuter surgery, except eligible preventive-care benefits available under Secure 4 where applicable
Plan Options
Petsecure currently offers four main comprehensive plans for dogs and cats:
-
Secure 1
- Reimbursement: Up to 80%, including eligible exam fees and taxes
- Accident coverage: $1,000 per accident
- Illness coverage: $1,000 per condition, per year
- Dental coverage: $200 per year
- Wellness coverage: None
-
Secure 2
- Reimbursement: Up to 80%, including eligible exam fees and taxes
- Accident coverage: $2,500 per accident
- Illness coverage: $2,500 per condition, per year
- Dental coverage: $300 per year
- Wellness coverage: None
-
Secure 3
- Reimbursement: Up to 80%, including eligible exam fees and taxes
- Accident coverage: $5,000 per accident
- Illness coverage: $5,000 per condition, per year
- Dental coverage: $400 per year
- Wellness coverage: None
-
Secure 4
- Reimbursement: Up to 80%, including eligible exam fees and taxes
- Accident coverage: Unlimited per accident
- Illness coverage: Unlimited per condition
- Dental coverage: $600 per year
- Wellness/preventive coverage: $450 per year for dogs and $350 per year for cats
Preventive Care
Preventive-care coverage is included with Secure 4 rather than being sold as a general wellness add-on across all plans. Petsecure says the benefit can be used for eligible services such as annual exams and vaccinations, annual bloodwork, flea control, preventive heartworm medication, and other covered preventive care.
Pricing Structure
Petsecure does not publish a universal monthly premium. It states that prices vary depending on factors such as the pet's species, breed, and location in Canada, with premiums calculated using Canadian veterinary fees. A personalized quote is required for current pricing.
Reimbursement: In most cases, Petsecure pays 80% of eligible expenses and the policyholder pays 20%, subject to the deductible, policy limits, exclusions, and any applicable claims-risk-management adjustments.
Deductible: Petsecure applies a single annual deductible. Its current policy wording also provides for automatic age-based deductible increases as a pet gets older.
Multi-Pet Discount: Petsecure's FAQ states that customers with three or more insured pets receive a 10% premium discount. The discount increases to 15% for customers with six or more enrolled pets.
Waiting Periods
Petsecure's current published waiting periods are:
- Accidents: 48 hours
- Illnesses: 14 days
- Cruciate ligament injuries: 6 months
- Intervertebral disc disease (IVDD): 6 months
- Dental coverage: 6 months
The waiting period begins at 12:01 a.m. on the day after Petsecure accepts the policy application.
Claims Process
Petsecure describes its claims process as follows:
- Visit a licensed veterinarian in Canada or the United States.
- Pay the veterinary bill.
- Have an authorized veterinary clinic employee complete and sign the claim form.
- Submit the claim and supporting documentation to Petsecure.
- Receive any applicable reimbursement by cheque or direct deposit.
Petsecure says customers can be reimbursed in just a few days and describes its average payment time as a few days, although actual processing time can vary by claim.
Customer Support
Petsecure currently provides:
- Phone: 1-800-268-1169
- Live chat: Available through its website
- Email: info@petsecure.com
- Hours: Monday-Thursday, 7:00 a.m.-9:00 p.m. CST; Friday, 7:00 a.m.-8:00 p.m. CST
- Saturday & Sunday: Closed
- Mailing address: 301-600 Empress Street, Winnipeg, Manitoba R3G 0R5
Reviews & Reputation
As of August 24, 2026, Petsecure's Trustpilot profile shows a 1.9/5 TrustScore based on 31 reviews. Trustpilot labels the profile as unclaimed and notes that Petsecure has no history of asking customers for reviews, so the sample may not be representative of the company's entire customer base.
Because the Trustpilot review count is small relative to the number of pets Petsecure says it has protected, the Trustpilot score should be treated as one external customer-feedback signal rather than a comprehensive measure of all policyholder experiences.
Who Should Consider Petsecure?
Petsecure may be worth considering for:
- Owners who want multiple coverage levels: Four plans range from lower benefit limits to unlimited accident and illness coverage under Secure 4.
- Owners who value exam-fee and tax coverage: Eligible exam fees and taxes are included in reimbursement calculations.
- Owners who want dental benefits: All four plan levels include an annual dental allowance.
- Owners who prefer an annual deductible: Petsecure uses one annual deductible instead of a separate deductible for each condition.
- Owners interested in preventive benefits: Secure 4 includes annual wellness/preventive-care coverage.
- Multi-pet households: Published discounts begin at three insured pets.
Important Considerations
Before choosing Petsecure, consider that:
- Most eligible claims are reimbursed at 80%, leaving the policyholder responsible for 20% co-insurance plus the applicable deductible.
- Secure 1 through Secure 3 have per-accident and per-condition limits; Secure 4 provides unlimited accident and illness limits.
- Pre-existing conditions are excluded.
- Dental, cruciate ligament, and IVDD coverage have six-month waiting periods.
- Annual deductibles can increase as the pet ages.
- Customer service is not open on weekends.
- Current Trustpilot feedback is limited in volume and the profile has a low TrustScore.
The Bottom Line
Petsecure's current offering is substantially different from a simple budget accident-and-illness policy. It provides four comprehensive plan levels, all offering up to 80% reimbursement including eligible exam fees and taxes, with dental coverage included in every tier. Secure 4 adds unlimited accident and illness coverage plus annual preventive-care benefits of $450 for dogs or $350 for cats.
Its main trade-offs include 20% co-insurance in most cases, an annual deductible that can increase with age, several six-month waiting periods, and limited weekend support. Its current Trustpilot score is also low, although it is based on a relatively small number of reviews.
Best for: Canadian dog and cat owners who want a choice of coverage tiers, annual deductibles, dental coverage, and the option of unlimited accident and illness benefits.
Consider alternatives if: You specifically want reimbursement above 80%, weekend customer-service availability, or shorter waiting periods for dental, cruciate ligament, or IVDD coverage.
Last Updated: August 24, 2026
Trustpilot Rating: 1.9/5 (31 reviews) - checked August 24, 2026
Official Sources: Petsecure plans and coverage, FAQ, policy wording, contact information, and Petsecure website.