PC Pet Insurance Pet Insurance Review
PC Pet Insurance, offered through President's Choice Financial, provides budget-friendly coverage with the added benefit of earning PC Optimum points on your premiums. One of the most affordable options in Canada.
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:Petline 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)
Ready to protect your pet with PC Pet Insurance?
Get a personalized quote based on your pet's age, breed, and location.
Get Your Free QuoteCompare 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: