Desjardins vs PC: Pet Insurance Comparison (2026)
A side-by-side comparison of Desjardins and PC Pet Insurance for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
PC is no longer available to new customers (as of 2026). PC Pet Insurance is no longer available to new customers. PC Insurance now offers home and auto insurance only (PC Financial was acquired by EQ Bank's parent EQB in 2026). If you're shopping for pet insurance, compare the active providers below — Desjardins and Petsecure use the same underwriting family (Petline) with a similar plan structure. This comparison is kept for reference and for existing policyholders.
Quick Verdict
Desjardins wins by default: PC is no longer available to new customers, so Desjardins is the only one of the two you can actually buy today. It's best for pet owners who want to bundle with other desjardins insurance or need french-language service.
| Feature | Desjardins 3.5/5 | PC 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 | Yes |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $72 | $35 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | 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 QuotePC
No longer accepting new customers — see our comparison of active providers for alternatives
No longer sold — see alternativesDesjardins: 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
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
Desjardins vs PC: FAQ
Is Desjardins or PC better for pet insurance in Canada?
PC comes out ahead on more of our scored factors (3 vs 0), but the best choice depends on your pet. Desjardins is best for Pet owners who want to bundle with other Desjardins insurance or need French-language service. PC is best for No longer accepting new customers — see our comparison of active providers for alternatives.
Which has a shorter waiting period, Desjardins or PC?
Desjardins 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, Desjardins or PC?
Average monthly premiums for a dog are about $72 with Desjardins and $35 with PC. Your actual price depends on your pet's age, breed, and location.
Are Desjardins and PC available in Quebec?
Desjardins is available in Quebec. PC is available in Quebec.
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