Petsecure
Secure 1
Entry accident & illness plan with a modest $1,000-per-condition cap.
$ BudgetAccident & illness
- Reimburses
- 80%
- Annual limit
- $1,000
- Deductible
- Annual
- Exam fees
- Covered
- Accident wait
- 2 days
- Illness wait
- 14 days
Sample monthly cost
$62.95 — 1-year-old LabradorThird-party estimate (HelloSafe); province not specified.
$38.99 — 1-year-old catThird-party estimate (HelloSafe); province not specified.
- Deductible
- Annual deductible, age-banded — it increases as your pet ages.
- Annual limit
- $1,000 per condition per year (and per accident).
- Dental
- Routine and illness dental included, up to $200/year; 6-month dental waiting period.
- Alternative therapy
- Alternative therapies, behavioural therapy and medical devices covered when vet-authorized.
- Wellness
- Routine wellness coverage is only on the Secure 4 plan.
- Waiting periods
- Accidents 2 days, illness 14 days, orthopedic/cruciate 6 mo. 6-month waiting period on dental, cruciate ligament and IVDD (disc) conditions.
- Eligibility
- No maximum enrollment age. Sold in every province.
- Multi-pet discount
- 10% for 3+ pets, 15% for 6+
- Underwriter
- Petline Insurance Company
Good to know
- •Affordable illness coverage, not just accidents
- •Dental included even on the entry tier
- •Vet exam fees covered
- •No maximum enrollment age
Watch out for
- !$1,000 per-condition annual limit is low for a major surgery
- !80% reimbursement (no 90% option); can be reduced toward 50% on a heavy claims history
- !Reimbursement model — pay the vet, then claim
- !6-month wait for dental, cruciate and disc conditions