Petsecure · Secure 2
Secure 2 gives each accident its own limit and renews the illness limit for each condition every policy year. Two unrelated illnesses can therefore draw on separate limits.
Source checked 2026-11-14 · Petsecure policy wording 2025-02 · sections III–VIII
Coverage fields
Payout limit
$2,500 per accident and $2,500 per illness condition per policy year.
Deductible
One annual deductible across eligible claims. The amount rises at specified age bands.
Reimbursement
Normally 80% of eligible costs before the deductible. A claims review can increase the owner’s share on future claims.
Waiting periods
48 hours for accidents and 14 days for illness. Dental care, cruciate ligaments and intervertebral disc disease generally have six-month waits.
Prior conditions
Signs before coverage or during the waiting period can lead to an exclusion. Check your pet’s individual coverage summary.
Dental care
Up to $300 per policy year for eligible dental care, including qualifying preventive or treatment costs.
Exam fees and taxes
Eligible consultation charges and their taxes count toward the insured expenses.
Payment at the clinic
Pay the clinic, then submit its itemized invoice and claim form to Petsecure.
Other exclusions
Secure 2 has no general wellness allowance. Read the dental benefit separately from routine preventive care.
Ask the provider
Which conditions share a limit, and what deductible will apply at my pet’s next birthday?