Desjardins Pet Insurance: What It Covers

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In a world where pets are cherished members of our families, their health and well-being have become paramount concerns. Desjardins, a trusted name in Canadian financial services, extends its expertise to provide pet owners with a safety net through pet insurance.

Desjardins Pet Insurance: What It Covers

This article serves as a comprehensive guide to understanding the intricacies of Desjardins Pet Insurance, offering insights into coverage options, benefits, and why Desjardins stands out as a preferred choice for protecting our beloved companions.

How Does Desjardins Pet Insurance Work?

If you are interested in getting a pet insurance policy from Desjardins, it is possible to purchase a quote through its official website. You can also find more helpful information and ask questions on their homepage.

Therefore, if you want to buy a quote, you need to sign up for an account and provide the necessary details to get one. Follow the prompts, and you will be able to get a policy. Once you do, you will have to make premiums monthly, depending on your plan and the type of pet you are insuring. So, if anything happens, you can file a claim.

Why Choose Desjardins for Your Pet Insurance Needs?

Desjardins stands out as a preferred choice for pet insurance due to its commitment to excellence, reliability, and customer satisfaction. With a legacy of trust spanning decades in the financial services industry, Desjardins brings unparalleled expertise and stability to the realm of pet insurance.

By choosing Desjardins, pet owners can rest assured knowing that their furry companions are in capable hands, receiving the care and protection they deserve.

What Does Desjardins Pet Insurance Cover?

When you want to get a Desjardins pet insurance policy, it is important that you find out what it covers. Besides, this insurance company provides coverage for sudden injuries and illnesses. Preventive care is not an exception. Other coverage includes:

  • Surgery
  • Behavioral therapy (Gold Paw Plan)
  • Exam fees
  • Alternative therapies
  • Hospitalization
  • Specialist referral
  • Dental care
  • Chemotherapy
  • Medical devices
  • Prescription medications
  • Diagnostics

Preventive Care Include:

  • Annual routine bloodwork wellness profile.
  • Heartworm prevention medication.
  • Routine wellness urinalysis.
  • Flea control medication.
  • Heartworm test.
  • Fecal exam and deworming.
  • Annual vaccinations and exams.

If you want additional coverage, you will have to pay additional or extra benefits to include the coverage in your policy.

What It Doesn’t Cover?

Similar to other pet insurance companies, Desjardins does not offer coverage for pre-existing conditions. Here are some other conditions that Desjardins pet insurance does not cover:

  • Food
  • Euthanasia
  • Flea control
  • Neuter surgery

Hence, no matter the pet insurance plan you have with Desjardins, you will not receive coverage for any of the above-mentioned.

Pros and Cons of Getting a Pet Insurance Quote from Desjardins

These are some of the benefits and drawbacks of purchasing a pet insurance policy from Canadian-based insurance company:


  • Vet direct pay
  • Dental care as well as annual cleanings
  • Low deductible
  • Multi-pet discount
  • Comprehensive preventive care


  • No 24/7 pet health hotline
  • Dental care is not part of the Bronze Paw plan
  • Age-based deductible
  • You cannot personalize your reimbursement rate or deductible

How Much Does Desjardins Pet Insurance Cost?

Several factors affect the cost of purchasing Desjardins pet insurance. Besides, the amount you pay for premiums monthly depends on the type of animal you wish to insure (whether it is a cat or dog). Other factors that affect the price include:

  • Your location
  • Your pet’s breed
  • The size of your pet

Nevertheless, the average cost of purchasing a pet insurance policy for your dog in Canada is $64, and for cats, it is $31 per month.

How to Get a Desjardins Pet Insurance Policy

If you would like to get pet insurance for your cat or dog, here is the procedure you need to follow:

  • Go to the official Desjardins website.
  • Compare the different pet insurance plans to be able to choose the best one for your pet’s needs.
  • Enter your postal code.
  • Then, tap on the green Get a Quote option.
  • Wait for the verification process.

Follow the steps on the next page to complete the process and successfully get a good pet insurance policy for your pet. Just as long as you follow the instructions, you will be able to carry out this process easily.

How to File a Pet Insurance Claim on Desjardins

Filing a claim is bound to happen anytime because we cannot see the future to predict when our pet will get sick. This is why you can file a claim if anything unexpected happens. So, if you are new to the process, here is who to file a claim with Desjardins:

  • Visit the claim page at
  • Click on the green Open the Claim Form button.
  • Once the form loads, enter your name, pet’s name, address, type of pet, cell phone number, home phone number, and email address.
  • Then select ‘’Yes’’ or ‘’No’’ to the question that asks if your pet is covered under another insurance plan.

Fill out all the empty fields in Section 2 and enter your signature in Section 3. Once you are done, download it and submit it to them via


How long does it take to process a pet insurance claim?

Desjardins typically processes a claim within 5 to 10 working days after receiving it. In some cases, the complexity of the claim could determine how long it would take, as claims involving various conditions are likely to take longer.

Does filing a claim impact your pet insurance premium?

Filing a claim doesn’t have any effect on your insurance premium or deductible. You can file a claim at anytime and get your payment.

How do I cancel my policy if needed?

If you need to cancel your policy, you can typically do so by contacting Desjardins customer service either by phone or online. Keep in mind that cancellation policies and any applicable fees may vary. Always review your policy documents for specific instructions.

Can I buy a pet insurance and file a claim right away?

Just like other insurers, Desjardins enforces different waiting periods depending on the type of claim you make, with dental care having longer waiting periods [6 months]. Other types of claims, such as accidents and illnesses, have 48 hours and 14 days, respectively. Mind you, any sickness that your pet develops during the waiting period may not be covered by your policy.

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