FAQs
What is covered?
No matter the level of coverage you have chosen, your plan covers veterinary fees due to an accident or illness. This includes x-rays, hospitalization, surgery, prescriptions, chemotherapy, MRI/CAT scans, alternative treatments such as homeopathic therapy, and much more.
What do I have to pay for?
You simply pay your monthly premiums. Should your pet need to visit the veterinarian, you pay the full amount of the vet bill at the office and then submit a completed claim form to us. Petsecure will reimburse you for up to 80% of the costs of care and veterinary services. You are responsible for paying the co-insurance and your annual deductible.
What is co-insurance?
Co-insurance is the portion of the claim that you are responsible for. It is a way of sharing in responsible pet ownership and ensuring that premiums are kept affordably low.
Deductible
A fixed amount that you pay after your co-insurance. You pay only one deductible per year no matter how many claims you have and only if you claim.
How long will it take for my claim to be paid?
We strive to turn around claims as quickly and efficiently as possible. Under most circumstances, we are able to have your cheque processed and in the mail within 5 business days of receiving your claim.
Can I insure my older pet?
Yes. We believe protection should be available to all pet owners. With Petsecure, there is no age limit to insuring your pet, allowing even senior pets to receive coverage. Specific medical records are required for dogs over 8 years of age and cats over 10 years of age.
Am I covered if my pet develops an ongoing condition?
Secure For Life™ means that your pet is covered as long as your policy is in good standing. Every level of a Petsecure plan, from Secure 1 to Secure 4 provides renewable limits for all accidents and illnesses during the lifetime of your pet.
Can I continue to use my existing veterinarian?
Of course. You can use any licensed veterinarian in Canada - the choice is completely yours.
Will my deductible or premiums go up if I make too many claims?
No. Neither your deductible nor your premiums increase in response to how many claims you make. Your deductible increases only as your pet ages and becomes more susceptible to illness or injury.
Do you cover homeopathic treatments?
Yes, we cover up to $300 per year for massage, hydrotherapy, acupuncture, chiropractic and homeopathy treatments. Also, no matter the level of coverage you choose, you are covered for up to $300 per year for behavioural therapy.
Are there any delays (waiting periods) between the time I enroll and the time my pet's coverage begins?
Our preventive care coverage under level Secure 4 plan has no waiting periods. Under the Secure 1, Secure 2 and Secure 3 levels, the accident waiting period is only 48 hours and the illness waiting period is 14 days.
I have more than one pet. Do you offer a volume discount?
Yes. If you enroll three or more pets with us, we will reduce your premium by 10%. You'll save 15% by enrolling six or more pets.
What if my question is not answered here?
Our licensed insurance professionals are happy to help you with questions pertaining to our plan, your levels of coverage or a claim. Call our Customer Centre toll-free at 1-800-268-1169 or online chat with us using our Live Help feature and access immediate help.
