Petsecure Pet Insurance Review

Petsecure pet insurance covers you for a little more than others but its $12,000 benefit limit can be beaten.

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PetSecure Pet Insurance

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With Petsecure Pet Insurance you can choose from two plans: Accident or Accident and Illness. When you take out an accidental injury and illness policy, you'll get a paralysis tick benefit ($500), overseas travel insurance and a 20% automatic discount on a petidtag.

Our Verdict

  1. It covers 85% of vet bills. Most pet insurers come with an 80% reimbursement rate.
  2. It's good if you have an assistance dog, are a senior or pension cardholder or you have a rescue pet — you get a 10% lifetime discount.
  3. Its $12,000 annual benefit limit is among the lower limits available on Finder — out of 17, 11 offer more than this.

Review by our insurance writer Gary Hunter

Petsecure Pet Insurance DealsPetsecure Pet Insurance Deals

Save 10% for rescue animals

Get 10% off your Petsecure pet insurance policy when you adopt a cat or dog through a rescue organisation.

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Policies available from PetSecure

Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
PetSecure Accident and Illness Cover
75% or 85%
Your pet is covered for life.
PetSecure Accident and Illness Cover plus Wellness Care
75% or 85%
Your pet is covered for life.
PetSecure Accident Cover
75% or 85%
Your pet is covered for life.

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See some prices for PetSecure

To help give you an idea about costs for PetSecure pet insurance, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like you're own dogs breed, age and your address, so it's always worth comparing policies and getting a few quotes.

Dog Breed1yr old5yr old
Maltese Cross$1,125.47$1518.76
Staffordshire Bull Terrier$1459.95$1976.66
Border Collie$1459.95$1976.66

What are the policies offered by Petsecure?

Petsecure provides members with various policy options to choose from. These policies have been tailored to facilitate all owners (of dogs and cats) and their pets. With the option to tailor your premium to meet your financial needs, Petsecure Pet Insurance offers pet benefits under two insurance policy types.

Accident Cover: Provides pet owners with an affordable insurance policy for their pets. This benefit option will provide reimbursement for vet expenses incurred in the event your pet experiences an accidental injury such as:

  • Motor vehicle accident
  • An allergic reaction to an insect bite other than tick or flea bites
  • A burn or electrocution
  • A snake bite

  • Bone fracture
  • Traumatic ligament or tendon injury
  • Lacerations or abrasion of tissue, skin or mucous membrane due to external violence
  • A fight or bite wound abscess

Accident and Illness Cover: This is a more comprehensive insurance package that includes protection for all the above-mentioned accidents, as well as any illnesses your pet may experience.

Overview of policy cover and benefit amounts

Policy TypeFeatures
  • Accident Cover
  • Covers accidental injury only
  • $8000 annual benefit limit
  • Up to 85% of vet expenses covered
  • No excess option available
  • Consultations and visits covered
  • No excess payable
  • Consultations and visits covered
  • 10% lifetime multi-pet discount per policy
  • 10% lifetime service dog discount per policy
  • 10% lifetime rescued pet discount
  • 10% lifetime Australian Pension Cardholder discount
  • Accident and Illness Cover
  • Covers both accidental injuries and illnesses
  • $12,000 annual benefit limit
  • Up to 85% of vet expenses covered
  • No excess payable
  • Optional Wellness Care pack (explained in more detail below)
  • 10% lifetime multi-pet discount per policy
  • 10% lifetime service dog discount per policy
  • 10% lifetime rescued pet discount
  • 10% lifetime Australian Pension Cardholder discount

Any additional benefits that can be added?

There are a few extra perks offered by Petsecure to ensure that your pet can always receive high-quality medical care, as well as some non-medical benefits.

These additions are included in the Benefit Limit and provide individual benefits. The extra cover options offered under this section include:

  • Emergency Boarding: Payment for boarding provided for your pet in the event that you're hospitalised for 5 or more consecutive days ($500 per year).
  • Paralysis Tick Benefit: Pays towards the treatment of tick paralysis ($500 per year).
  • Free Pet ID Tag: You get a 20% discount on a Pet ID tag with petidtag.
  • Pet Overseas Travel Insurance: Covers vet expenses incurred whilst your pet is overseas.

Optional Wellness Care

This optional cover pack is only available to those who are already insured by the Accident and Illness Cover policy, and will pay up to $145 per year for wellness and personal care items such as:

  • Micro-chipping
  • De-sexing
  • Heart worm control
  • Dew claw removal
    • Teeth cleaning
    • Prescription diets
    • Alternative therapies
    • Hydrotherapy

What isn't covered?

Petsecure, like most other insurance companies, includes a list of exclusions (things that aren’t covered). Veterinary treatments and services that Petsecure will not cover are outlined in detail below.

Excluded Treatment or ServiceDetails
  • Elective Procedures
Includes, but is not limited to:
  • Hind dew claw removal, which may be done during a de-sexing procedure
  • Genetic blood work i.e. gene testing and DNA
  • Dental procedures i.e. scaling, cleaning and polishing
  • Day-to-Day Care
Includes, but is not limited to:
  • Prescription or diet pet foods
  • Preventative procedures and treatments, such as vaccinations and travel sickness medication
  • Grooming and bathing of your pet
  • Training, socialisation, therapy and alternative therapies
  • Pre-existing Conditions
A condition or symptom of a condition experienced by your pet prior to the start of your policy or during any applicable waiting periods.
  • Neglect
A deliberate or malicious act that results in illness or injury to your pet.
Optional Wellness Care
This extra cover pack, which is only available to those who are insured by the Accident and Illness Cover policy, will allow you to claim for some of these exempted treatments, such as hind dew claw removal, de-sexing and teeth cleaning.

How do I file a claim with Petsecure?

Petsecure makes filing a claim simple with the use of its user-friendly lodgement procedure. All claims can easily be filed online through the company’s Managed Policy Portal. If you choose to use this option, you must first sign up on the portal where you will be able to easily upload your documents and track the process of your claim. In order for your claim to be processed as quickly as possible, you must:

  1. Download the claim form.
  2. Complete and sign your designated section and have your vet complete and sign the section designated as well.
  3. Upload the completed claim form, along with all supporting documents and itemised invoices, to the Managed Policy Portal.
  4. Ensure that you keep all original documents for your personal records in case the company needs them.

While filing your claim online is the easiest way possible, if you would like to go the more traditional route and file your claim via mail ensure that you complete the claim form and mail it in with all supporting documents and itemised invoices.

Additional things you might want to know about

Apply for PetSecure Pet Insurance securely

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