Desjardins
Bronze Paw
Entry Desjardins tier — basic accident & illness coverage.
$ BudgetAccident & illness
- Reimburses
- 80%
- Annual limit
- $2,000
- Deductible
- Annual
- Exam fees
- Covered
- Accident wait
- 2 days
- Illness wait
- 14 days
Sample monthly cost
~$44 — Dog (Bronze Paw)Desjardins illustrative example; pet age/breed/location not specified.
~$31 — Cat (Bronze Paw)Desjardins illustrative example; pet age/breed/location not specified.
- Deductible
- Annual deductible, age-banded (dogs $100/$250/$350, cats $100/$150/$200).
- Annual limit
- About $2,000 per illness and per accident, per policy year (verified on the Desjardins site).
- Dental
- Dental is an optional paid add-on on Bronze Paw.
- Alternative therapy
- Alternative therapy is an add-on on Silver Paw and included on Gold Paw — not available on Bronze.
- Wellness
- Preventive/wellness care is included on the Gold Paw plan only.
- Waiting periods
- Accidents 2 days, illness 14 days, orthopedic/cruciate 6 mo. 6-month waiting period on dental and cruciate/IVDD conditions.
- Eligibility
- No maximum enrollment age. Sold in every province.
- Multi-pet discount
- 10% for 3+ pets, 15% for 6+
- Underwriter
- Petline Insurance Company (Desjardins Pet Insurance Program)
Good to know
- •Lower-cost accident & illness from a major Canadian insurer
- •Vet exam fees covered
- •Available nationwide, including Quebec
- •No maximum enrollment age
Watch out for
- !Low limit — about $2,000 per illness and per accident, per year
- !Dental and alternative therapy are not included on Bronze
- !Fixed 80% reimbursement
- !6-month wait for dental, cruciate and disc conditions