Pet Secure Pet Insurance 2025: Australian Review of Cover & Key Benefits
Our expert's opinion on Pet Secure
Pet Secure is an Australian pet insurance provider offering two straightforward policy tiers—Accident Only and Accident & Illness—both providing up to $12,000 annual benefits and a choice between 75% or 85% reimbursement of eligible vet bills, with no excess and an optional wellness add-on for preventive care. Pet Secure positions itself as a solid mid-market option with high annual limits and flexible reimbursement rates, though it lacks premium features, and pricing information is not openly disclosed for comparison. The policy is particularly well-suited to owners of younger pets or those seeking no-excess coverage, and is accessible regardless of pet age for Accident Only (Accident & Illness accepts pets under 9 years at sign-up, with lifelong renewal available if continuous). Pet Secure is part of a longstanding provider in Australia, yet details on financial backing and premium volume are not published; there is no reliable Australian user review base, and the only Trustpilot presence (2.2/5 from 12 reviews, mainly Canada) cannot be used to gauge claims quality or average payout speeds locally. Claims are submitted online or by post, with history required at enrolment, and there is no fully paperless or automated process currently highlighted.
- ✅Generous $12,000 annual benefit limit on all plans
- ✅Choose 75% or 85% reimbursement for flexibility
- ✅No excess payable on any claim
- ✅Optional wellness add-on for routine care costs
- ✅Covers chronic, hereditary, and congenital conditions (if not pre-existing)
- ✅Accident Only policy accepts older pets at any age
- ✅Emergency boarding and overseas trip cover included
- ❌No transparent pricing published for premium comparison
- ❌Routine/preventive care only via paid add-on
- ❌No telehealth or 24/7 vet helpline features
- ❌Strict waiting periods and firm exclusions, especially for dental or behavioural issues
- ❌No strong digital-first, paperless claims process
Score- ✅Generous $12,000 annual benefit limit on all plans
- ✅Choose 75% or 85% reimbursement for flexibility
- ✅No excess payable on any claim
- ✅Optional wellness add-on for routine care costs
- ✅Covers chronic, hereditary, and congenital conditions (if not pre-existing)
- ✅Accident Only policy accepts older pets at any age
- ✅Emergency boarding and overseas trip cover included
Our expert's opinion on Pet Secure
- ✅Generous $12,000 annual benefit limit on all plans
- ✅Choose 75% or 85% reimbursement for flexibility
- ✅No excess payable on any claim
- ✅Optional wellness add-on for routine care costs
- ✅Covers chronic, hereditary, and congenital conditions (if not pre-existing)
- ✅Accident Only policy accepts older pets at any age
- ✅Emergency boarding and overseas trip cover included
- ❌No transparent pricing published for premium comparison
- ❌Routine/preventive care only via paid add-on
- ❌No telehealth or 24/7 vet helpline features
- ❌Strict waiting periods and firm exclusions, especially for dental or behavioural issues
- ❌No strong digital-first, paperless claims process
Score- ✅Generous $12,000 annual benefit limit on all plans
- ✅Choose 75% or 85% reimbursement for flexibility
- ✅No excess payable on any claim
- ✅Optional wellness add-on for routine care costs
- ✅Covers chronic, hereditary, and congenital conditions (if not pre-existing)
- ✅Accident Only policy accepts older pets at any age
- ✅Emergency boarding and overseas trip cover included
Why Trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the Australian market every year to provide you with a reliable and unbiased analysis. Thanks to this thorough approach, hundreds of thousands of Aussies trust us each month to guide them in making their most important financial decisions.
Pet Safety Guarantees
Pet Secure offers two core plans—Accident Only and Accident & Illness—both providing a choice of 75% or 85% reimbursement and an annual limit of $12,000, with no excess on claims.
An optional Routine Care add-on is available for both plans, providing wellness cover for vaccinations, desexing, microchipping, and more, though annual and item-specific sub-limits apply.
Key strengths include no excess, flexible entry age (with no maximum for Accident Only), reimbursement for hereditary and chronic conditions (if not pre-existing), and short waiting periods; all routine and preventive care is strictly limited to the optional add-on.
A major limitation is the absence of dental illness/procedures under standard coverage, exclusion of behavioural and alternative treatments, strict pre-existing condition definitions, and no civil liability cover.
| Name of coverage | Accident Only Plan | Accident & Illness Plan |
|---|---|---|
| Plan positioning | Entry-level for accidental injury only | Comprehensive: accident, illness, some hereditary/chronic |
| Type of coverage | Accidents (specified events only) | Illness and accident (broad range) |
| Animals covered | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | 75% or 85% of eligible expenses | 75% or 85% of eligible expenses |
| Annual reimbursement limit | $12,000 | $12,000 |
| Deductible (annual or per claim) | $0 | $0 |
| Age limits for enrolment (dogs/cats) | 8 weeks+, no max age | 8 weeks to |
| Pre-enrolment health questionnaire | No | No |
| Waiting period (illness) | N/A | 30 days |
| Waiting period (accident) | Nil for most accidental injuries | Nil for accident, 30 days illness |
| Lifetime coverage once subscribed | ✅ (continuous renewal) | ✅ (continuous renewal) |
| Vet consultations (regular + emergency) | $300 per year sub-limit | $300 per year sub-limit |
| Medications | ✅ (eligible, not exclusions) | ✅ (eligible, not exclusions) |
| Hospitalization | ✅ | ✅ |
| Surgery (including anesthesia) | ✅ | ✅ |
| Diagnostic tests (X-ray, MRI, etc.) | ✅ | ✅ |
| Dental care (scaling, procedures) | ❌ | ❌ (only via Routine Care add-on & within allowed sub-limits) |
| Preventive care package | Optional add-on only (Routine Care) | Optional add-on only (Routine Care) |
| Alternative medicine | ❌ | ❌ |
| Travel coverage | 60 days/trip, eligible costs overseas (NZ/Norfolk, no quarantine) | 60 days/trip, eligible costs overseas (NZ/Norfolk, no quarantine) |
| Civil liability | ❌ | ❌ |
| Euthanasia | ✅ (only if medically required for covered injury; not burial/cremation) | ✅ (only if medically required for covered injury or illness; not burial/cremation) |
| Death & cremation coverage | ❌ (except under Routine Care, within limit) | ❌ (except under Routine Care, within limit) |
| Theft or loss of pet + search expenses | ❌ | ❌ |
| Boarding fees (if owner is hospitalized) | $500 max per year | $500 max per year |
Important Information Regarding Coverage
For cruciate ligament issues, a $2,600 annual sub-limit applies, and the 6-month waiting period can be waived if a vet completes the required exam form at sign-up.
Preventive treatments (including dental scaling) are only reimbursed if you select Routine Care, subject to sub-limits stated on your certificate.
Reimbursement is paid directly to your account upon submission of a completed claim form, paid invoice, and vet history on the first claim.
Overseas coverage applies to trips of up to 60 days to countries not requiring quarantine on return to Australia.
Compare Pet Secure plan options to find the best rate and service for your needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Pet Secure Exclusions
| Exclusions | Details |
|---|---|
| Medical exclusions | • Pre-existing conditions • Dental illness/procedures (except if wellness add-on taken) • Breeding, pregnancy, and obstetric costs • Behavioural, training or psychological therapies • Alternative therapies (acupuncture, hydrotherapy, etc.) • Experimental treatments, genetic/chromosome testing • Organ transplants and prosthetics • Routine/preventive care (unless via add-on, not included here) |
| Coverage restrictions | • Commercial use (except Assistance/Guide Dogs) • Cosmetic and elective procedures (tail docking, debarking, ear cropping, nail clipping) • Non-essential hospitalisation • Illness/injury from gross negligence, malicious act, or law/regulation breach |
| Infectious/parasite exclusions | • Illness due to non-paralysis ticks, fleas, lice, mites, worms/intestinal parasites • Vaccinatable diseases (see PDS for full list: e.g., parvo, distemper, kennel cough, FeLV, FIV, FIP, cat flu) |
| Geographic exclusions | • Overseas care only in countries not requiring quarantine when returning to Australia (60 days max/trip) • Procedures performed outside allowed destinations |
| Non-vet/administrative | • Non-vet expenses (boarding, transport except emergency, administrative, postage, phone) • Charges not directly from a registered vet • Non-medical services |
| Death, theft, and liability | • Pet theft, loss, search expenses • Civil liability insurance • Burial or cremation costs (except as stated with routine care add-on and within sub-limit) |
• Dental illness/procedures (except if wellness add-on taken)
• Breeding, pregnancy, and obstetric costs
• Behavioural, training or psychological therapies
• Alternative therapies (acupuncture, hydrotherapy, etc.)
• Experimental treatments, genetic/chromosome testing
• Organ transplants and prosthetics
• Routine/preventive care (unless via add-on, not included here)
• Cosmetic and elective procedures (tail docking, debarking, ear cropping, nail clipping)
• Non-essential hospitalisation
• Illness/injury from gross negligence, malicious act, or law/regulation breach
• Vaccinatable diseases (see PDS for full list: e.g., parvo, distemper, kennel cough, FeLV, FIV, FIP, cat flu)
• Procedures performed outside allowed destinations
• Charges not directly from a registered vet
• Non-medical services
• Civil liability insurance
• Burial or cremation costs (except as stated with routine care add-on and within sub-limit)
Pet Secure Prices
Pet Secure sits in the mid-range of the Australian pet insurance market, balancing competitive pricing with solid coverage features.The $12,000 annual benefit and choice of 75% or 85% reimbursement, combined with a zero excess, make it attractive for owners seeking good out-of-pocket protection.However, some competitor policies offer broader cover for dental, behavioural, and alternative therapies as standard, while these are excluded or only available via add-ons at Pet Secure.<br/>Pet Secure’s traditional service model means its pricing reflects strong claims support but may not enjoy the digital cost efficiencies of pure online players.Overall, Pet Secure is well-suited for pet owners looking for reliable coverage without paying top-tier premiums.
Compare Pet Secure plans and get quotes to find the best value for your pet’s needs.
| Accident Only Plan | Accident & Illness Plan | |
|---|---|---|
| Young cat (2–4 years) | $21/month | $35/month |
| Senior cat (7–8 years) | $28/month | $42/month |
| Small breed dog | $30/month | $47/month |
| Small breed dog (2–4 years) | $30/month | $47/month |
| Large breed dog (2–4 years) | $38/month | $58/month |
| Senior dog (7–8 years) | $51/month | $76/month |
Pet Secure Promo Codes
| Pet Secure Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
What reimbursement amount can I expect from Petsecure?
Pet Secure Accident & Illness with Routine Care reimburses you up to 85% of eligible vet expenses, with no excess, up to the annual limit – helping you pay less out-of-pocket for your pet’s health.
Ear Infection Reimbursement
Consultation and medication for ear infection Total vet costs: $170 (consult + medication) Deductible amount: $0 (no excess on any claim) Amount reimbursed at 85%: $170 × 85% = $144.50 👉 You receive a reimbursement of $144.50. ℹ️ Your out-of-pocket cost: $25.50. Ear infections are covered so long as not pre-existing. No annual excess means all eligible claims are calculated at the 85% rate until your $12,000 yearly cap is reached.
Cruciate Ligament Surgery Reimbursement
Cruciate ligament surgery (knee) Total vet costs: $2,900 (diagnosis, anaesthesia, surgical repair, post-op medication) Deductible amount: $0 (no excess on claim) Amount reimbursed at 85%: $2,900 × 85% = $2,465 👉 You receive a reimbursement of $2,465. ℹ️ Your out-of-pocket cost: $435. Annual sub-limit for cruciate ligament: $2,600. If total costs exceed $2,600, the reimbursement will be capped at sub-limit for this procedure.
Vaccination annuelle et micropuçage (avec option Soins de routine)
Frais vétérinaires totaux : 150 $ (consultation de routine, vaccin C5, micropuce) Montant de la franchise : 0 $ (pas de franchise pour les soins de routine) La sous-limite annuelle des soins de routine s'applique, par exemple, jusqu'à 80 $ pour la vaccination, 50 $ pour le micropuçage 👉 Vous recevez un remboursement de 80 $ (vaccination) + 50 $ (micropuçage) = 130 $. ℹ️ Vos frais directs : 20 $. Les avantages des soins de routine sont soumis à des sous-limites et ne sont versés que si l'option a été sélectionnée lors de l'adhésion.
Securing Assistance for Your Pet
| Assistance Pet Secure | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service such as Payvet or Carecredit is offered. |
| Payment facilities | ❌ | No information found on installment or flexible payment options. N.C. |
| Mobile app | ❌ | No dedicated mobile app is available for policy management or claims. |
| Paperless claims process | ✅ | Claims can be submitted online or by post; online portal available for fast processing. |
| Emergency vet service | ❌ | No teleconsultation or 24/7 vet advice line is provided. |
| Vet/clinic partner network | ❌ | N.C. No evidence of a network of preferred clinics or direct billing arrangements. |
| Coverage abroad | ✅ | Travel insurance for vet care overseas; coverage for up to 60 days per trip in countries without quarantine when returning to Australia. |
Customer Reviews of Petsecure
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 2.2 out of 5 (12 reviews) |
| ProductReview.com.au | N.C. |
| Google Reviews | N.C. |
We analysed reviews from the site listed above. On the positive side, customers who subscribed to Pet Secure for their pets mention:
- An option for zero excess, which can be appealing for frequent claimants.
- The ability to choose a higher reimbursement rate (up to 85%) for eligible veterinary expenses.
- A reasonable range of coverage for common accidents and hereditary conditions if not pre-existing.
On the negative side:
- A significant number of claims are declined as pre-existing or excluded conditions, frustrating some owners.
- Billing and cancellation issues are reported, such as continued charges after policy cancellation or pet’s passing.
- Communication delays, requests for repeated documentation, and slow claims processing times are frequently cited.
- Several users report real or perceived reductions in coverage limits after submitting multiple claims or upon renewal.
- Australian customer experience is under-documented due to the majority of reviews relating to other countries.
How to Contact Petsecure
| Pet Secure Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit a claim online via the Petsecure website portal or by post. Required documents: completed claim form, paid veterinary invoice, vet clinical notes (if first claim). First-time claims must include your pet's previous vet history (not required for wellness add-on). Reimbursements are processed via direct deposit to your bank account. Claims may take up to 7–10 business days once all documents are received. Email: [email protected] Phone: 1300 855 160 (Mon–Fri, 8:30am–5:00pm AEST) Mail: Petsecure, Locked Bag 9021, Castle Hill, NSW 1765 |
| To obtain a certificate of insurance | Contact customer service to request your certificate. You can email [email protected], call 1300 855 160 (Mon–Fri), or mail Petsecure, Locked Bag 9021, Castle Hill, NSW 1765. Specify your policy details in your request. |
| To contact assistance | For general assistance, call 1300 855 160 (Mon–Fri, 8:30am–5:00pm AEST), email [email protected], or write to Petsecure, Locked Bag 9021, Castle Hill, NSW 1765. No 24/7 emergency vet service is available. |
| To cancel my policy | Send your cancellation request in writing (email or post) to [email protected] or Petsecure, Locked Bag 9021, Castle Hill, NSW 1765. Include your policy number, full name, and desired cancellation date. No notice period is specified; cancellation will be processed upon receipt. |
FAQ
Do I have to pay upfront for veterinary fees with Pet Secure?
Yes, you generally need to pay the vet directly at the time of treatment and then submit a claim to Pet Secure for reimbursement. There is no advance payment or direct-to-vet third-party payment system like Payvet or GapOnly available with Pet Secure. You’ll need to provide paid invoices as part of the claims process. After your claim is approved, Pet Secure will transfer the covered portion to your bank account.
How do I cancel my pet insurance policy with Pet Secure?
To cancel, you should send your request in writing by email to [email protected] or by mail to Petsecure, Locked Bag 9021, Castle Hill, NSW 1765. Include your policy number, your full name, and the date you wish the cancellation to be effective. No specific notice period is required—cancellation will be actioned once the request is received. Always keep confirmation of your cancellation request for your records.
What conditions are not covered under a Pet Secure policy?
Pet Secure excludes any pre-existing conditions, as well as routine treatments like vaccinations and dental care unless you have added the optional wellness cover. Genetic testing, elective or cosmetic procedures, breeding and pregnancy costs, and treatments related to parasites (excluding paralysis tick) are also not covered. Additional exclusions can apply if recommended preventive care standards are not met. Full details and explanations are provided in the Product Disclosure Statement (PDS).
Does Pet Secure offer insurance cover when I travel with my pet overseas?
Yes, your Pet Secure policy provides limited overseas travel cover for eligible vet expenses if your trip is to a country where your pet will not require quarantine to return to Australia. Cover is valid for up to 60 days per trip and only for treatments that would have been eligible under your Australian policy. It’s important to keep all original receipts and ensure that claims are submitted with documentation in English. Some exclusions and country restrictions do apply, so consult the PDS before travelling.
How quickly are claims processed by Pet Secure, and what documents will I need?
Claims are generally processed within 7–10 business days after all required documents have been received. You must submit a completed claim form, paid vet invoices, and clinical notes from your vet (especially for the first claim). If it’s your first claim, you will also need to provide your pet’s full veterinary history. Payments for approved claims are made by direct deposit into your nominated bank account.
Is there a waiting period before cover begins with Pet Secure?
Yes, waiting periods apply before your coverage starts. For illnesses, the waiting period is 30 days, while there is no waiting period for accidental injuries—although only specifically defined accidents are eligible. The waiting period for cruciate ligament conditions is 6 months, but this may be waived if your vet confirms no pre-existing issues at the time of application. Refer to your policy certificate for details about your individual cover start dates.
Do I have to pay upfront for veterinary fees with Pet Secure?
Yes, you generally need to pay the vet directly at the time of treatment and then submit a claim to Pet Secure for reimbursement. There is no advance payment or direct-to-vet third-party payment system like Payvet or GapOnly available with Pet Secure. You’ll need to provide paid invoices as part of the claims process. After your claim is approved, Pet Secure will transfer the covered portion to your bank account.
How do I cancel my pet insurance policy with Pet Secure?
To cancel, you should send your request in writing by email to [email protected] or by mail to Petsecure, Locked Bag 9021, Castle Hill, NSW 1765. Include your policy number, your full name, and the date you wish the cancellation to be effective. No specific notice period is required—cancellation will be actioned once the request is received. Always keep confirmation of your cancellation request for your records.
What conditions are not covered under a Pet Secure policy?
Pet Secure excludes any pre-existing conditions, as well as routine treatments like vaccinations and dental care unless you have added the optional wellness cover. Genetic testing, elective or cosmetic procedures, breeding and pregnancy costs, and treatments related to parasites (excluding paralysis tick) are also not covered. Additional exclusions can apply if recommended preventive care standards are not met. Full details and explanations are provided in the Product Disclosure Statement (PDS).
Does Pet Secure offer insurance cover when I travel with my pet overseas?
Yes, your Pet Secure policy provides limited overseas travel cover for eligible vet expenses if your trip is to a country where your pet will not require quarantine to return to Australia. Cover is valid for up to 60 days per trip and only for treatments that would have been eligible under your Australian policy. It’s important to keep all original receipts and ensure that claims are submitted with documentation in English. Some exclusions and country restrictions do apply, so consult the PDS before travelling.
How quickly are claims processed by Pet Secure, and what documents will I need?
Claims are generally processed within 7–10 business days after all required documents have been received. You must submit a completed claim form, paid vet invoices, and clinical notes from your vet (especially for the first claim). If it’s your first claim, you will also need to provide your pet’s full veterinary history. Payments for approved claims are made by direct deposit into your nominated bank account.
Is there a waiting period before cover begins with Pet Secure?
Yes, waiting periods apply before your coverage starts. For illnesses, the waiting period is 30 days, while there is no waiting period for accidental injuries—although only specifically defined accidents are eligible. The waiting period for cruciate ligament conditions is 6 months, but this may be waived if your vet confirms no pre-existing issues at the time of application. Refer to your policy certificate for details about your individual cover start dates.
