Desjardins Pet Insurance Review
Desjardins offers pet insurance backed by one of Canada's largest financial institutions. They offer three plan tiers — Bronze Paw ($8,000/year), Silver Paw ($12,000/year), and Gold Paw ($20,000/year with preventive care included).
Quick Summary: Is Desjardins Worth It?
Desjardins offers 80% reimbursement with annual limits up to $20,000.Monthly premiums range from $45-$165 for dogs and $35-$100 for cats. Note: There's a 6-month waiting period for orthopedic conditions.
Desjardins Waiting Periods
All pet insurance has waiting periods before coverage starts. Here's what to expect with Desjardins:
Pre-Existing Conditions Policy
Understanding how Desjardins handles pre-existing conditions is crucial before enrolling.
Standard pre-existing condition exclusion
Desjardins Pros
- 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
- Gold plan includes preventive care
Desjardins Cons
- 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
- Max enrollment age of 10 years
- No direct vet pay
What Desjardins Covers
Core Coverage
- Yes Accidents
- Yes Illnesses
- Yes Hereditary conditions
- Yes Congenital conditions
- Yes Chronic conditions
- Yes Cancer
Medical Services
- No Exam fees
- Yes Prescriptions
- Yes Diagnostics (X-rays, MRI)
- Yes Surgery
- Yes Hospitalization
- Yes Emergency care
Dental & Therapies
- Yes Dental (accident)
- Yes Dental (illness)
- Yes Alternative therapy
- Yes Behavioral therapy
- Yes Physical therapy
Desjardins Plans
Bronze Paw
- Core accident & illness coverage
Silver Paw
- Higher limit
- Dental included
- Alternative & behavioral therapy
Gold Paw
- Highest limit
- Preventive care included (up to $350/year)
- All therapies included
Claims Experience
- Processing Time:5-10 business days
- Direct Vet Pay:No - reimbursement only
- Mobile App:Available
- Submit via:app, online, email, mail
Reliable claims processing backed by major financial institution. Good French-language support.
About Desjardins
- Headquarters:Lévis, QC
- Founded:1900
- Underwriter:Petline Insurance Company
- Available in:All Canadian provinces
Eligibility Requirements
- Minimum age: 8 weeks
- Maximum enrollment age: 10 years
- Pets over 10 may not be eligible for enrollment
- Any vet: Yes
- US travel coverage: Yes
Available Discounts
- Multi-pet discount: 5%
- Bundle discount with home/auto insurance
- Desjardins member discounts
Ready to protect your pet with Desjardins?
Get a personalized quote based on your pet's age, breed, and location.
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Desjardins Head-to-Head Comparisons
Deciding between Desjardins and another insurer? See the detailed side-by-side breakdowns: