Pets Plus Us vs PC: Pet Insurance Comparison (2026)
A side-by-side comparison of Pets Plus Us 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
Pets Plus Us wins by default: PC is no longer available to new customers, so Pets Plus Us is the only one of the two you can actually buy today. It's best for budget-conscious pet owners, especially costco or caa members.
| Feature | Pets Plus Us 2.1/5 | PC 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 | Yes |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $48 | $35 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 2.1/5 | 3.5/5 |
PC
No longer accepting new customers — see our comparison of active providers for alternatives
No longer sold — see alternativesPets 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
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
Pets Plus Us vs PC: FAQ
Is Pets Plus Us or PC better for pet insurance in Canada?
PC 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. PC is best for No longer accepting new customers — see our comparison of active providers for alternatives.
Which has a shorter waiting period, Pets Plus Us or PC?
Pets Plus Us 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, Pets Plus Us or PC?
Average monthly premiums for a dog are about $48 with Pets Plus Us and $35 with PC. Your actual price depends on your pet's age, breed, and location.
Are Pets Plus Us and PC available in Quebec?
Pets Plus Us is available in Quebec. PC is available in Quebec.
More comparisons
This page contains affiliate links. We may earn a commission if you buy a policy through our links, at no extra cost to you. Coverage details are reviewed regularly; always confirm current terms with the provider before purchasing.