OVMA Pet Health Insurance Review
OVMA Pet Health Insurance is the first Canadian pet insurance program designed and backed by veterinarians — the Ontario Veterinary Medical Association. It offers three plans (Comprehensive, Extended, Unlimited+) with premiums that don't increase as your pet ages, and it's available to residents across Canada, not just Ontario.
Quick Summary: Is OVMA Pet Health Insurance Worth It?
OVMA Pet Health Insurance offers 80% reimbursement with annual limits up to Unlimited.Monthly premiums range from $75-$255 for dogs and $48-$140 for cats. Note: There's a 6-month waiting period for orthopedic conditions.
OVMA Pet Health Insurance Waiting Periods
All pet insurance has waiting periods before coverage starts. Here's what to expect with OVMA Pet Health Insurance:
Pre-Existing Conditions Policy
Understanding how OVMA Pet Health Insurance handles pre-existing conditions is crucial before enrolling.
Standard pre-existing condition exclusion
OVMA Pet Health Insurance Pros
- 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)
- Available across Canada with US travel coverage
OVMA Pet Health Insurance Cons
- 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)
- No mobile app or direct vet pay
- 6-month waiting period for dental/cruciate/IVDD
What OVMA Pet Health Insurance 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
OVMA Pet Health Insurance Plans
Comprehensive
- Entry-level coverage
- Dental included
- Alternative therapies ($350/category)
Extended
- Higher limits
- Dental included
- All therapies included
Unlimited+
- No annual illness cap
- Most complete protection
- Vet-designed coverage
Claims Experience
- Processing Time:2-3 weeks
- Direct Vet Pay:No - reimbursement only
- Mobile App:Not available
- Submit via:online, email, mail
Program designed with input from Ontario's veterinarians and underwritten by Petline, Canada's pet-insurance-only insurer. Claims are slower than app-based competitors.
About OVMA Pet Health Insurance
- Headquarters:Milton, ON
- Founded:2021
- Underwriter:Petline Insurance Company
- Available in:All Canadian provinces
Eligibility Requirements
- Minimum age: 8 weeks
- Maximum enrollment age: No limit
- Covers dogs and cats of all ages; coverage doesn't change based on age
- Any vet: Yes
- US travel coverage: Yes
Available Discounts
- No discounts listed
Ready to protect your pet with OVMA Pet Health Insurance?
Get a personalized quote based on your pet's age, breed, and location.
Get Your Free QuoteCompare Other Pet Insurance Providers
See how OVMA Pet Health Insurance compares to other top Canadian pet insurers:
OVMA Pet Health Head-to-Head Comparisons
Deciding between OVMA Pet Health and another insurer? See the detailed side-by-side breakdowns: