Desjardins vs OVMA Pet Health: Pet Insurance Comparison (2026)
A side-by-side comparison of Desjardins and OVMA Pet Health Insurance for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
Quick Verdict
Desjardins and OVMA Pet Health are evenly matched on our scored factors. Desjardins is best for pet owners who want to bundle with other desjardins insurance or need french-language service, while OVMA Pet Health is best for owners who want a vet-designed plan with premiums that stay flat as their pet ages.
| Feature | Desjardins 3.5/5 | OVMA Pet Health 3.5/5 |
|---|---|---|
| Max reimbursement | 80% | 80% |
| Max annual limit | $20,000 | Unlimited |
| Accident waiting period | 48 hours | 48 hours |
| Illness waiting period | 14 days | 14 days |
| Direct vet pay | No | No |
| Exam fees covered | No | No |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $72 | $100 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | — |
| Customer rating | 3.5/5 | 3.5/5 |
Desjardins
Pet owners who want to bundle with other Desjardins insurance or need French-language service
Get Desjardins QuoteOVMA Pet Health
Owners who want a vet-designed plan with premiums that stay flat as their pet ages
Get OVMA Pet Health QuoteDesjardins: Pros & Cons
- Backed by major Canadian financial institution
- Bilingual service (English/French)
- Solid annual limits ($8,000 to $20,000)
- Bundle discounts with home/auto
- Available in all provinces including Quebec
- 6-month waiting period for dental, cruciate, and IVDD conditions
- Deductible increases with pet's age ($150 to $500)
- No unlimited coverage option
- Doesn't cover exam fees
OVMA Pet Health: Pros & Cons
- Designed and backed by Ontario's veterinarians
- Premiums don't increase as your pet ages
- No maximum enrollment age
- Dental illness coverage included in all plans
- Alternative and behavioural therapies included ($350/category)
- Higher premiums than most competitors
- Deductible increases with pet's age ($100 to $500)
- Reimbursement can drop below 80% with heavy claims history
- Slow claims processing (2-3 weeks)
Desjardins vs OVMA Pet Health: FAQ
Is Desjardins or OVMA Pet Health better for pet insurance in Canada?
Desjardins and OVMA Pet Health are closely matched. Desjardins is best for Pet owners who want to bundle with other Desjardins insurance or need French-language service, while OVMA Pet Health is best for Owners who want a vet-designed plan with premiums that stay flat as their pet ages.
Which has a shorter waiting period, Desjardins or OVMA Pet Health?
Desjardins has a 14 days illness waiting period and 48 hours for accidents. OVMA Pet Health has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Desjardins or OVMA Pet Health?
Average monthly premiums for a dog are about $72 with Desjardins and $100 with OVMA Pet Health. Your actual price depends on your pet's age, breed, and location.
Are Desjardins and OVMA Pet Health available in Quebec?
Desjardins is available in Quebec. OVMA Pet Health is available in Quebec.
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