PC vs OVMA Pet Health: Pet Insurance Comparison (2026)
A side-by-side comparison of PC Pet Insurance and OVMA Pet Health 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
OVMA Pet Health wins by default: PC is no longer available to new customers, so OVMA Pet Health is the only one of the two you can actually buy today. It's best for owners who want a vet-designed plan with premiums that stay flat as their pet ages.
| Feature | PC 3.5/5 | OVMA Pet Health 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 | No |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $35 | $100 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | — |
| Customer rating | 3.5/5 | 3.5/5 |
PC
No longer accepting new customers — see our comparison of active providers for alternatives
No longer sold — see alternativesOVMA Pet Health
Owners who want a vet-designed plan with premiums that stay flat as their pet ages
Get OVMA Pet Health QuotePC: 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
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)
PC vs OVMA Pet Health: FAQ
Is PC or OVMA Pet Health better for pet insurance in Canada?
PC comes out ahead on more of our scored factors (2 vs 0), but the best choice depends on your pet. PC is best for No longer accepting new customers — see our comparison of active providers for alternatives. 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, PC or OVMA Pet Health?
PC 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, PC or OVMA Pet Health?
Average monthly premiums for a dog are about $35 with PC and $100 with OVMA Pet Health. Your actual price depends on your pet's age, breed, and location.
Are PC and OVMA Pet Health available in Quebec?
PC is available in Quebec. OVMA Pet Health is available in Quebec.
More comparisons
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