Petsecure vs Desjardins: Pet Insurance Comparison (2026)
A side-by-side comparison of Petsecure and Desjardins 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 Desjardins is best for pet owners who want to bundle with other desjardins insurance or need french-language service.
| Feature | Petsecure 4.1/5 | Desjardins 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) | $50 | $55 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | 5% |
| 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 QuoteDesjardins
Pet owners who want to bundle with other Desjardins insurance or need French-language service
Get Desjardins 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
Desjardins: 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
Petsecure vs Desjardins: FAQ
Is Petsecure or Desjardins 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. Desjardins is best for Pet owners who want to bundle with other Desjardins insurance or need French-language service.
Which has a shorter waiting period, Petsecure or Desjardins?
Petsecure has a 14 days illness waiting period and 48 hours for accidents. Desjardins has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Petsecure or Desjardins?
Average monthly premiums for a dog are about $50 with Petsecure and $55 with Desjardins. Your actual price depends on your pet's age, breed, and location.
Are Petsecure and Desjardins available in Quebec?
Petsecure is available in Quebec. Desjardins is available in Quebec.
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