How Pet Insurance Works

With Petsecure pet health insurance, you choose the level of coverage that's right for you, and select an annual deductible.

Pet insurance policies can be issued for pets from the age of 8 weeks old. Unlike with other providers, Petsecure does not have any upper age limits. Like with human insurance, the younger and healthier your pet is when their policy is underwritten, the more they are covered for. If your pet has any pre-existing conditions, they may be excluded either temporarily or permanently from your policy but there are still benefits to being insured no matter how old your pet is or if they have a medical condition.

Once you are covered, you can raise or lower your level of coverage whenever you want. Of course your deductible and premiums will also change along with your coverage amounts.

Your waiting period is the time between purchasing Petsecure pet insurance, and the date at which your coverage becomes effective. For example, if you enrolled on January 1st your coverage for accidents would start on January 3rd, 48 hours after enrollment. Waiting period for an illness is 14 days, and therefore, your pet insurance coverage would start on January 15th. For all pets, the waiting period for dental coverage is six months. Treatment for eligible deciduous teeth conditions may be subject to a 14-day waiting period with our prior approval.

The waiting period is in place to prevent fraudulent claims, such as trying to enroll immediately following an accident, or the diagnosis of a major illness.

Visit your veterinarian as usual. Next, pay the invoice and have your veterinarian complete your claim form and sign it. Fax or mail the claim form to Petsecure pet health Insurance, along with a copy of your paid and itemized veterinary bill.

When you have pet insurance you know you're covered. No more waiting to see how serious your pet's illness or injury really is!

Once your claim form is received by Petsecure pet insurance, it will be indexed into your file and queued for processing. If email is your preferred communication method, you will be notified on the day your claim is completed and you can view the Explanation of Benefits in your Customer Portal. The average time for us to process a claim is 5 to 7 business days, although in periods of unusual claims volumes this can vary by a few days. (If you have not received any notice from us about your claim within 15 business days, please contact our Customer Care Centre for additional assistance). Your reimbursement will be for the claim amount, minus any applicable co-insurance and deductible up to your pet insurance policy's annual maximum for each condition.
The reimbursement can be submitted as a cheque and mailed to you, or if you choose direct withdrawal from your bank account as your method of payment for your premiums, we're able to have your claim reimbursements directly deposited into your account, without having to wait for a cheque in the mail!

How Petsecure Pet Health Insurance Works

Getting Reimbursed

How We Calculate Your Pet Insurance Reimbursements

Goldie is a 3 year old Lab who is covered with Petsecure's Secure 3 plan. One evening she became lethargic and began vomiting. Because she had pet insurance, her owner didn't think twice about taking her to the emergency clinic where she incurred the costs below.


$375 Hospitalization (3 day stay in an emergency facility)
$125 Exam
$1200 Treatment/Diagnostics
$60 Recheck with regular vet

Total invoice = $1,760

Invoice $1,760 (initial treatment)

- $352 (20% Co-insurance)
= $1,408 (Sub-total)
-$100 (Deductible)

= $1,308 (Petsecure Pet Insurance Reimbursement)

Because of our Secure for Life™ Guarantee, Goldie will have another $5,000 of coverage towards this condition each and every year of her lifetime, so long as her coverage is kept active and her policy is in effect.