PC Pet Insurance in Canada Review

Rating: 6.8 / 10 (Very good)
8 Customer Comments & Reviews - see all comments
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PC pet insurance gives pet owners four pet insurance plans to choose from. With each plan having similar accident coverage with major difference only on how much each pays out. PC pet insurance offers a straightforward solution for pet owners searching for a pet insurance solution for their pet’s health concerns.


Plan details



Ultra Plan

Choice Plan

Value Plan

Accident Plan

What’s covered

All accidents, all incidents

All accidents, all incidents

All accidents, all incidents

All accidents, NO incidents

Accident benefits

Up to $5,000 per accident

Up to $2,500 per accident

Up to $1,500 per accident

Up to $1,500 per accident

Illness benefits

Up to $5,000 per illness, per year

Up to $2,500 per illness, per year

Up to $1,500 annual per condition

This plan does not cover illness


Age limit

No age limit however, dogs 10 years and older and cats 8 years and older should qualify with veterinarian administered health checks 2 months prior to application

Cancellation policy

Request for cancellation must be made through mail, fax or email. Cancellation will be processed upon receipt of notice. Cancellation will be made formal 15 days upon receiving written notice from the company.


How much is it going to cost you?

Co-pay and co-insurance

Up to 80% coverage


Value Plan, Choice Plan and Ultra Plan




Applicable to claims made for Accident and Illness coverage


Zero to 5 years old



5 to 7 years old



7 to 10 years old



10 years old and above



Zero to 7 years old



7 to 10 years old



10 years old and above



Accident Only Plan

$100 per incident for all pets


What does it cover?


Veterinary services

  • Professional fees
  • Hospitalization
  • Dentistry
  • Surgery
  • Surgery
  • Diagnostics
  • Medication
  • Nursing
  • Prescription food
  • Specialists referral
  • Medical devices
  • Alternative therapies
  • Behavioral therapies


Additional benefits

  • Boarding kennel and cattery fees
  • Holiday cancellation
  • Lost pet advertising
  • Cremation or burial expenses


What’s not covered?

  • Pre-existing medical conditions
  • Foreseeable conditions
  • Obvious symptoms
  • Injuries that existed before your insurance policy purchase
  • Injuries before coverage takes effect



PC pet insurance scores great in terms of the quality of coverage it provides with each of its plans. Having no age limits for enrollment is great, especially for pet owners planning for long-term pet care. At $5,000 per accident or illness limit per year, its Ultra plan seems to be a good offer but this might not suffice for pets suffering from chronic illness. This is especially true for its lower ceiling plans (Choice, Value). For pet owners who fear that their pets are prone to lingering illnesses, searching for no-limit benefit pet insurance plan offers would be a better choice. 

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8 Customer Comments & Reviews

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Seattle, Washington
I paid for dog for 9 years. Premiums slowky climbed from $32 to $42 as she aged. No claims. By the time she turned 9 (Yorkie) I calculate I paid about $4,000 or more in premiums. PC SOLD my policy to another carrier who changed it to a $400 deductible with $2,500 limit!! Put your premium in a savings account and at least you still have your money.

Seattle, Washington
I have pet insurance for one of my two dogs. Best choice I've ever made. Unfortunately my dog has IVDD and I had a few claims to submit and they were paid with ease . They need specific forms filled out so just do that and get what you need from the vet (my vet submitted a claim for me and that was awesome) The customer service is easy to get through to which is rare these days. A +++++ rating from me and my dog Henry!

Amanda K
Barrie, Ontario
I have had this insurance for my pet dog since he was a puppy. Now as a senior dog he has heart failure. Not only has my deductible increased, but the 80% coverage I paid for all these years has arbitrarily been reduced to 50% coverage. Not what I signed up for. So be aware, that 80% coverage doesn't mean you will also always have 80% coverage, read the fine print. Claims take a while to process (2-3 weeks) but most things are covered (I signed up for the best option) which is one benefit.

Winnipeg, Manitoba
These people are a bunch of con-artists. Not only do they not care about the health of your pet, but they like to continuously add exclusions to policies and increase deductibles without warning. I will be putting my animal down as this pathetic, useless, terrible, inconsiderate company does not look out for the best interest of the owner or the pet. Never EVER will I ever recommend PC pet insurance. Worst insurance company I have ever had the displeasure of dealing with.

Brampton, Ontario
Looks good so far. I'm glad to see that they have a plan for older dogs

Calgary, Alberta
Coverage wasn't sufficient. My dog went in for a spay, as a result she developed an infection and required additional treatment and none of which was covered by Pc. My suggestion, read the fine print and do your research before you sign.

Ancaster, Ontario
I'm very happy with this pet insurance. I had one dogs on petsecure but with my second one picked PC insurance. The quote was considerably less as my first dog had been and both are the same breed. At first I was Leary thinking what's the catch. All the coverage on paper seemed to be there. I was pleasantly surprised. So much so that when I got a third dog, I put her on PC insurance as well. They have paid out all my claims at 80 percent after the $100 deductible per year. I have had everything from ear infections to eye surgeries and hip dysphasia. My first dog on pet secure had one event wheee she invested something poisonous and was treated in emergency for a few days. They did... Read More

Andrew S
London, Ontario
We had our 2 dogs insured through this service provider and their low cost pet insurance we now understand means low level customer service as well as little to no coverage for our dogs. Their customer service rep. continuously got our 2 dogs mixed when speaking to her on the phone and gave us incorrect information. Also, they way they interpret the vet's note to the extreme was very disappointing to say the least. Our larger dog has a corn on his foot which they interpret as being a dog with a lame leg, unable to walk and put a exclusion for 6 months on his file. To make matters worse the vet put on the dog's report that he has separation anxiety which is quite normal for dogs from... Read More

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  • Most Comprehensive Coverage (includes vet exam fee!)
  • Flexible annual reimbursement up to UNLIMITED
  • Choose Annual Deductible from $100-$1,000
  • No additional fees (riders) for alternative therapies
  • Use any veterinarian in Canada or the US.
  • 24/7 Customer Service - Fast Claim Reimbursement
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