PC Pet Insurance is no longer available to new customers (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.
See all active pet insurance providers →PC Pet Insurance Review
PC Pet Insurance, formerly offered through President's Choice Financial, provided budget-friendly coverage with PC Optimum points on premiums. PC Insurance now offers home and auto insurance only, and pet insurance is no longer sold to new customers. Existing policies are administered by the underwriter.
Quick Summary: Is PC Pet Insurance Worth It?
PC Pet Insurance offers 80% reimbursement with annual limits up to Unlimited.Monthly premiums range from $11-$80 for dogs and $10-$50 for cats. Note: There's a 6-month waiting period for orthopedic conditions.
PC Pet Insurance Waiting Periods
All pet insurance has waiting periods before coverage starts. Here's what to expect with PC Pet Insurance:
Pre-Existing Conditions Policy
Understanding how PC Pet Insurance handles pre-existing conditions is crucial before enrolling.
Standard pre-existing condition exclusion
PC Pet Insurance Pros
- 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
- No upper age limit
PC Pet Insurance Cons
- 6-month waiting period for orthopedic conditions
- No mobile app for claims
- Changing plans requires new application
- Limited online reviews
- No direct vet pay
What PC Pet Insurance Covers
Core Coverage
- Yes Accidents
- Yes Illnesses
- Yes Hereditary conditions
- Yes Congenital conditions
- Yes Chronic conditions
- Yes Cancer
Medical Services
- Yes 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
PC Pet Insurance Plans
Basic
- Accidents & illnesses
- Lowest premium
- Starting at $10.95/mo
Standard
- Dental optional
- Alternative therapy optional
Enhanced
- More comprehensive
- Most therapies included
Ultra
- Unlimited coverage
- Wellness included
- All add-ons included
Claims Experience
- Processing Time:5-10 business days
- Direct Vet Pay:No - reimbursement only
- Mobile App:Not available
- Submit via:online, email, mail
Limited reviews available. Backed by established PC Financial brand.
About PC Pet Insurance
- Headquarters:Toronto, ON
- Founded:1998
- Underwriter:SecuriCan General Insurance Company
- Available in:All Canadian provinces
Eligibility Requirements
- Minimum age: 8 weeks
- Maximum enrollment age: No limit
- No maximum enrollment age
- Any vet: Yes
- US travel coverage: Yes
Available Discounts
- Multi-pet discount: 5%
- Earn 20 PC Optimum points per $1 spent (with PC Mastercard)
PC Pet Insurance is no longer sold — compare active providers instead
See side-by-side coverage, pricing, and waiting periods for every insurer still accepting new pets.
Compare Active ProvidersCompare Other Pet Insurance Providers
See how PC Pet Insurance compares to other top Canadian pet insurers:
PC Head-to-Head Comparisons
Deciding between PC and another insurer? See the detailed side-by-side breakdowns: