Pets Plus Us vs Desjardins: Pet Insurance Comparison (2026)
A side-by-side comparison of Pets Plus Us and Desjardins for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
Quick Verdict
Across our scored factors, Pets Plus Us wins 3 to 1. That said, the right pick depends on your pet: Pets Plus Us is best for budget-conscious pet owners, especially costco or caa members, while Desjardins is best for pet owners who want to bundle with other desjardins insurance or need french-language service.
| Feature | Pets Plus Us 2.1/5 | Desjardins 3.5/5 |
|---|---|---|
| Max reimbursement | 90% | 80% |
| Max annual limit | $15,000 | $20,000 |
| 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) | $48 | $72 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 2.1/5 | 3.5/5 |
Desjardins
Pet owners who want to bundle with other Desjardins insurance or need French-language service
Get Desjardins QuotePets Plus Us: Pros & Cons
- Premiums don't increase as your pet ages
- Covers exam fees, taxes, and alternative/behavioural therapies
- Costco members get preferred rates + first month free
- CAA members get 13.5% discount
- Flex Care covers pre-existing conditions
- Deductible jumps with age ($100 becomes $300 at age 5, $500 at 10+)
- Doesn't cover routine dental care
- Claims processing can be slow
- No direct vet pay
Desjardins: 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
Pets Plus Us vs Desjardins: FAQ
Is Pets Plus Us or Desjardins better for pet insurance in Canada?
Pets Plus Us comes out ahead on more of our scored factors (3 vs 1), but the best choice depends on your pet. Pets Plus Us is best for Budget-conscious pet owners, especially Costco or CAA members. Desjardins is best for Pet owners who want to bundle with other Desjardins insurance or need French-language service.
Which has a shorter waiting period, Pets Plus Us or Desjardins?
Pets Plus Us has a 14 days illness waiting period and 48 hours for accidents. Desjardins has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Pets Plus Us or Desjardins?
Average monthly premiums for a dog are about $48 with Pets Plus Us and $72 with Desjardins. Your actual price depends on your pet's age, breed, and location.
Are Pets Plus Us and Desjardins available in Quebec?
Pets Plus Us is available in Quebec. Desjardins is available in Quebec.
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