Petsecure vs PC: Pet Insurance Comparison (2026)
A side-by-side comparison of Petsecure and PC Pet Insurance for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
Quick Verdict
Petsecure and PC are evenly matched on our scored factors. Petsecure is best for pet owners who want predictable pricing that won't increase as their pet ages, while PC is best for budget-conscious pet owners who shop at loblaws/pc stores and want to earn points.
| Feature | Petsecure 4.1/5 | PC 3.5/5 |
|---|---|---|
| Max reimbursement | 80% | 80% |
| Max annual limit | Unlimited | Unlimited |
| Accident waiting period | 48 hours | 48 hours |
| Illness waiting period | 14 days | 14 days |
| Direct vet pay | No | No |
| Exam fees covered | Yes | Yes |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $50 | $35 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 4.1/5 | 3.5/5 |
Petsecure
Pet owners who want predictable pricing that won't increase as their pet ages
Get Petsecure QuotePetsecure: Pros & Cons
- Premiums don't increase based on pet's age
- 30+ years in business - established Canadian company
- Four plan levels for different budgets
- Covers exam fees and taxes
- Wellness coverage available (Secure 4)
- 6-month waiting period for orthopedic conditions
- Co-insurance can be changed to 30-50% after claims
- Annual deductible increases with pet's age
- No direct vet pay option
PC: Pros & Cons
- Most affordable starting prices ($10.95/mo dogs, $9.95/mo cats)
- Earn PC Optimum points on premiums
- Four plan tiers for different budgets
- Covers exam fees
- Available in all provinces
- 6-month waiting period for orthopedic conditions
- No mobile app for claims
- Changing plans requires new application
- Limited online reviews
Petsecure vs PC: FAQ
Is Petsecure or PC better for pet insurance in Canada?
Petsecure and PC are closely matched. Petsecure is best for Pet owners who want predictable pricing that won't increase as their pet ages, while PC is best for Budget-conscious pet owners who shop at Loblaws/PC stores and want to earn points.
Which has a shorter waiting period, Petsecure or PC?
Petsecure has a 14 days illness waiting period and 48 hours for accidents. PC has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Petsecure or PC?
Average monthly premiums for a dog are about $50 with Petsecure and $35 with PC. Your actual price depends on your pet's age, breed, and location.
Are Petsecure and PC available in Quebec?
Petsecure is available in Quebec. PC is available in Quebec.
More comparisons
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