Petsecure vs OVMA Pet Health: Pet Insurance Comparison (2026)
A side-by-side comparison of Petsecure 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, Petsecure wins 3 to 0. That said, the right pick depends on your pet: Petsecure is best for pet owners who want predictable pricing that won't increase as their pet ages, while OVMA Pet Health is best for owners who want a vet-designed plan with premiums that stay flat as their pet ages.
| Feature | Petsecure 4.1/5 | 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) | $57 | $100 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 10% (3+ pets), 15% (6+ pets) | — |
| Customer rating | 4.1/5 | 3.5/5 |
Petsecure
Pet owners who want predictable pricing that won't increase as their pet ages
Get Petsecure QuoteOVMA Pet Health
Owners who want a vet-designed plan with premiums that stay flat as their pet ages
Get OVMA Pet Health QuotePetsecure: Pros & Cons
- Premiums don't increase based on pet's age
- 30+ years in business - established Canadian company
- Four plan levels for different budgets
- Covers exam fees and taxes
- Wellness coverage available (Secure 4)
- 6-month waiting period for orthopedic conditions
- Co-insurance can be changed to 30-50% after claims
- Annual deductible increases with pet's age
- No direct vet pay option
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)
Petsecure vs OVMA Pet Health: FAQ
Is Petsecure or OVMA Pet Health better for pet insurance in Canada?
Petsecure comes out ahead on more of our scored factors (3 vs 0), but the best choice depends on your pet. Petsecure is best for Pet owners who want predictable pricing that won't increase as their pet ages. 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, Petsecure or OVMA Pet Health?
Petsecure 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, Petsecure or OVMA Pet Health?
Average monthly premiums for a dog are about $57 with Petsecure and $100 with OVMA Pet Health. Your actual price depends on your pet's age, breed, and location.
Are Petsecure and OVMA Pet Health available in Quebec?
Petsecure is available in Quebec. OVMA Pet Health is available in Quebec.
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