OVMA Pet Insurance
Comprehensive
Entry OVMA accident & illness plan with $2,500 per-condition coverage.
$$ Mid-rangeAccident & illness
- Reimburses
- 80%
- Annual limit
- $2,500
- Deductible
- Annual
- Exam fees
- Covered
- Accident wait
- 2 days
- Illness wait
- 14 days
Sample monthly cost
~$81 — 1–7 year-old LabradorThird-party estimate (HelloSafe), low end of the OVMA range; province not specified.
- Deductible
- Annual deductible, age-banded, with two options (A or B).
- Annual limit
- $2,500 per condition per year (and per accident).
- Dental
- Dental covered up to $300/year; 6-month dental waiting period.
- Alternative therapy
- Physiotherapy, hydrotherapy, acupuncture, chiropractic, behavioural therapy and devices — up to $350 per category per year.
- Wellness
- Routine wellness care is only on the Unlimited+ plan.
- Waiting periods
- Accidents 2 days, illness 14 days, orthopedic/cruciate 6 mo. 6-month waiting period on dental, cruciate ligament and IVDD conditions.
- Eligibility
- No maximum enrollment age. Sold in every province.
- Multi-pet discount
- 10% for 3+ pets, 15% for 6+; plus a 3–5% loyalty discount
- Underwriter
- Petline Insurance Company
Good to know
- •Backed by the Ontario Veterinary Medical Association
- •Vet exam fees covered
- •Alternative & behavioural therapy included
- •Available across Canada; no maximum enrollment age
Watch out for
- !$2,500 per-condition annual limit
- !80% reimbursement (no 90% option)
- !Reimbursement rate can be reduced (toward 50%) based on claims history
- !6-month wait for dental, cruciate and disc conditions