Desjardins Pet Insurance Review
Desjardins offers pet insurance backed by one of Canada's largest financial institutions. They offer three plan tiers (Bronze, Silver, Gold) with the Gold plan providing unlimited coverage and preventive care.
Quick Summary: Is Desjardins Worth It?
Desjardins offers 80% reimbursement with annual limits up to Unlimited.Monthly premiums range from $30-$110 for dogs and $22-$65 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)
- Gold plan offers unlimited coverage with wellness
- Bundle discounts with home/auto
- Available in all provinces including Quebec
- Dental coverage included in Silver/Gold
Desjardins Cons
- 6-month waiting period for orthopedic conditions
- Deductible increases with pet's age
- Bronze plan is quite limited
- 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
- Basic coverage
- Optional dental ($500)
Silver Paw
- Dental included ($700)
- Alternative therapy ($350)
- Behavioral therapy ($350)
Gold Paw
- Unlimited coverage
- Dental ($1,000)
- Wellness included
- 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
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