Pets Plus Us vs OVMA Pet Health: Pet Insurance Comparison (2026)
A side-by-side comparison of Pets Plus Us 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
Across our scored factors, Pets Plus Us wins 3 to 2. 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 OVMA Pet Health is best for owners who want a vet-designed plan with premiums that stay flat as their pet ages.
| Feature | Pets Plus Us 2.1/5 | OVMA Pet Health 3.5/5 |
|---|---|---|
| Max reimbursement | 90% | 80% |
| Max annual limit | $15,000 | 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) | $48 | $100 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | — |
| Customer rating | 2.1/5 | 3.5/5 |
OVMA Pet Health
Owners who want a vet-designed plan with premiums that stay flat as their pet ages
Get OVMA Pet Health 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
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)
Pets Plus Us vs OVMA Pet Health: FAQ
Is Pets Plus Us or OVMA Pet Health better for pet insurance in Canada?
Pets Plus Us comes out ahead on more of our scored factors (3 vs 2), but the best choice depends on your pet. Pets Plus Us is best for Budget-conscious pet owners, especially Costco or CAA members. 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, Pets Plus Us or OVMA Pet Health?
Pets Plus Us 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, Pets Plus Us or OVMA Pet Health?
Average monthly premiums for a dog are about $48 with Pets Plus Us and $100 with OVMA Pet Health. Your actual price depends on your pet's age, breed, and location.
Are Pets Plus Us and OVMA Pet Health available in Quebec?
Pets Plus Us is available in Quebec. OVMA Pet Health is available in Quebec.
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