Desjardins vs PC: Pet Insurance Comparison (2026)
A side-by-side comparison of Desjardins and PC Pet 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, PC wins 2 to 0. That said, the right pick depends on your pet: Desjardins is best for pet owners who want to bundle with other desjardins insurance or need french-language service, while PC is best for budget-conscious pet owners who shop at loblaws/pc stores and want to earn points.
| Feature | Desjardins 3.5/5 | PC 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 | No | Yes |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $55 | $35 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 3.5/5 | 3.5/5 |
Desjardins
Pet owners who want to bundle with other Desjardins insurance or need French-language service
Get Desjardins QuoteDesjardins: Pros & Cons
- Backed by major Canadian financial institution
- Bilingual service (English/French)
- Gold plan offers unlimited coverage with wellness
- Bundle discounts with home/auto
- Available in all provinces including Quebec
- 6-month waiting period for orthopedic conditions
- Deductible increases with pet's age
- Bronze plan is quite limited
- Doesn't cover exam fees
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
Desjardins vs PC: FAQ
Is Desjardins or PC better for pet insurance in Canada?
PC comes out ahead on more of our scored factors (2 vs 0), but the best choice depends on your pet. Desjardins is best for Pet owners who want to bundle with other Desjardins insurance or need French-language service. PC is best for Budget-conscious pet owners who shop at Loblaws/PC stores and want to earn points.
Which has a shorter waiting period, Desjardins or PC?
Desjardins 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, Desjardins or PC?
Average monthly premiums for a dog are about $55 with Desjardins and $35 with PC. Your actual price depends on your pet's age, breed, and location.
Are Desjardins and PC available in Quebec?
Desjardins is available in Quebec. PC is available in Quebec.
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