Petsecure Pet Insurance

Petsecure believes in the mission of pet rescue organizations, and therefore, they have been supporting these organizations for the past 15 years. They are one of Australia’s most experienced pet insurers, providing insurance policies that suit their budget and their pet’s personal needs.

The company has been a proud sponsor of several community-based pet rescue centres in Australia that is working to rescue unwanted dogs and cats. They are also backed by WaldenWood Group, under The Hollard Insurance Company Pty. Ltd.

There are two policy types in Petsecure, and each has four policy levels. The two policy types are the Accident and Illness cover and the Accident cover with four policy levels, namely, Secures I – IV.

The Petsecure Accident and Illness cover include a $12,000 maximum yearly benefit with hospitalization, surgeries, visit any licensed vets in Australia, free routine care, and alternative therapy as optional benefits, medicines and drugs, and Lifetime cover. For this plan, the minimum age requirement for your pet is eight weeks old, and the maximum age is nine years old. Vet visits and consultations also capped at $300.

In case you cannot care for your pet due to an emergency, they offer the emergency boarding benefit capped at $500. With the policy, it entitles your pet accommodations at a licensed boarding facility while you are away. The plan also allows your pet for a cruciate ligaments conditions benefit capped at $2,600.

The Petsecure Accident cover is essential coverage for this insurance plan. The policy covers accidental injuries only and does not cover illnesses. It has a yearly maximum of $8,000, including hospitalization, surgeries, visit any licensed vets in Australia, medicines and drugs, and Lifetime cover. However, this policy does not include the options for routine care and alternative therapy. The minimum age your pet is eligible for the system is eight weeks old, and there is no age limit.

You are also eligible for a cruciate ligaments benefit with a cap of $2,600. Your pet is also suitable for an emergency boarding benefit capped at $500.

What we love about the Accident and Illness cover is that your pet is eligible for a tick paralysis treatment at $500. Both policies also have a 10% discount if you enrol more than one pet.

Since the company believes in helping the pet community, they have special discounts for those who have assistance dogs, those senior or pension cardholders, or if you own a rescue pet. Those eligible can avail of the 10% lifetime discount. You also have a 21-day money-back guarantee, wherein the company refunds all your money if you cancel the policy. This guarantee is as long as no claims made during the 21 days cooling-off period.

Both policies have a reimbursement rate option. You can choose from 75% or 85%. You can also choose fortnightly, monthly, or annually for your annual policy payment. Just note that there is a $1.00 collection charge for a fortnight and monthly collections.

Why we like

Petsecure Pet Insurance

Happy Clients: Customers of PetSecure appear to be a generally satisfied group, with many of them preferring to stick with the provider for an extended period of time, according to the online review site https://www.furbabyinsurance.com.au/. PetSecure pet insurance now has a rating of 4.2 out of 5 stars, and customers laud it for its dependable policies, first-rate support, and quick settlement of claims.
Helpful Discounts: Before applying for PetSecure pet insurance, be sure to check out our promo codes and discounts because as a new customer you can be eligible for excellent savings. A 10% discount is also available to households with multiple pets, service dogs, rescue pets, and holders of Australian Pension Cards over the course of the insurance. There will only be one of these reductions applied per insurance, so there won't be any double savings if, for example, you have numerous pets that are also rescues.
Simplified Options: While having alternatives can be beneficial, having too many might make it more difficult to choose wisely. With only one cover level available, PetSecure keeps things straightforward. However, there is the opportunity to customise via reimbursement rate and to add regular care cover if required.
With PetSecure pet insurance, you may choose to receive 75% or 85% of eligible veterinary expenses returned. By choosing 75%, you should pay lower premiums and help spread out the annual claim cap throughout the course of the year. Choosing 85% offers more money back at claim time, lowering the cost of veterinary care.
There is no excess to pay with PetSecure pet insurance, which has the potential to be both a benefit and a drawback. On the one hand, being able to change the excess amount on a policy gives you the option of increasing premiums or increasing the excess at the time of a claim. Contrarily, having no excess streamlines the pet insurance programme while lowering the amount you have to pay in claim expenses.
Extremely Quick Claims: According to PetSecure, the majority of its claims are settled within 48 hours of receiving all required paperwork. This is an incredibly quick turnaround for the business, when it frequently takes a week or longer to pay out claims. PetSecure provides a simple claims process through its claims portal, with the ability to obtain pre-approval on treatment should you require it.
Lifetime Coverage: If your pet is between the ages of 8 weeks and 8 years old when you apply for insurance, you are eligible for lifetime coverage as long as you continue to pay your premiums on time and there are no gaps in coverage or changes to the level of coverage.
It's important to note that PetSecure will continue to pay until you hit your yearly benefit cap, even for chronic ailments like cancer, diabetes, or arthritis. This is in contrast to some insurers that cap claims on treatment for chronic conditions.
Extras: PetSecure, like many other companies, offers practical extras like emergency boarding and international pet coverage. If you are hospitalised, emergency boarding can help pay for the price of boarding your pet, however its sub-limit of $500 is less than what you can find elsewhere. With regard to international coverage, this enables you to take your pet to the veterinarian while visiting New Zealand and Norfolk Island.
Giving Back: PetSecure is happy to support numerous regional and community-based animal rescue groups around Australia. As a result, by choosing PetSecure, you are also assisting other animals that may not have had the best start in life.

What's good about

Petsecure Pet Insurance

It pays up to 85% of your vet expenditures. The majority of pet insurance plans offer an 80% reimbursement rate.
You benefit from a 10% lifetime discount if you own a service dog, are over the age of 65 or have a pension card.
It allows you to select a reimbursement rate of 85% or 75%, which can assist bring down rates.

What's other people are saying about Petsecure Pet Insurance