How Does Pet Insurance Work?

Pet health insurance for your dog or cat is what is commonly called ‘indemnity insurance’, where you pay the invoice once the service has been provided. Petsecure then reimburses you, (after applying your co-insurance and deductible), until you reach your policy's annual maximum.

Pet insurance with Petsecure is very flexible. You can visit any veterinarian in the country, including general, specialist, and emergency veterinarians. Petsecure will even cover you when you travel with your pet on vacation to the United States of America.

Step 1: Choose Your Coverage

New 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. There is a waiting period and some pre-existing conditions may be excluded temporarily or permanently from your policy.

With Petsecure, you choose the level of coverage that’s right for you, and select an annual deductible to truly customize your coverage.

Step 2: The Waiting Period

Your waiting period is the time between enrolling with Petsecure for cat or dog insurance, and the date at which your full coverage becomes effective. For example, if you enrolled on January 1 your coverage for accidents would start on January 3, 48 hours after enrollment. Your waiting period for an illness is 14 days; and therefore, your coverage would start on January 15.

The waiting period is in place to prevent fraudulent claims, such as trying to get insurance immediately following an accident, or the diagnosis of a major illness. There is only a waiting period at time of enrollment.

Step 3: Making a Claim

You visit your veterinarian as usual. Next, pay the invoice, 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.

Step 4: Receive Your Claim Cheque

Once your claim form is received by Petsecure, its assessed by our claims team. Normally, within five working days a cheque is already in the mail, on its way to you. The cheque 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. If you have preventive coverage, like with our Secure 4 plan, these will be reimbursed on your pet insurance claim as well.