OVMA Pet Insurance Review 2025: Is It Worth It for Canadians?
Our expert's opinion on OVMA
OVMA Pet Health Insurance offers three veterinarian-endorsed tiers — Comprehensive, Extended, and Unlimited+ — covering veterinary services, dental care, alternative and behavioural therapies, with clear benefit tables and sample pricing for Canada.
OVMA earns a strong score thanks to clearly tiered plans (Comprehensive $2,500/year, Extended $5,000/year, Unlimited+ unlimited), a standard 80% reimbursement (modifiable down to 50% based on claims history), age-tiered annual deductibles (Option A examples: up to $100/$100 for pets <5y; up to $500/$300 for 10+y), and meaningful wellness/dental budgets (dental $300/$400/$600; Unlimited+ preventive care $450/yr); pricing is above-average on sample quotes, with deductibles increasing with age and no direct vet payments required.
Veterinarian-designed coverage, strong dental and an Unlimited+ wellness option position OVMA between low-cost generalists and premium insurers, prioritizing breadth of cover at a higher price point.
Best-fit profile: Ideal for owners of young to middle-aged dogs or cats seeking comprehensive dental and optional wellness benefits and willing to pay higher premiums and manage upfront vet bills.
- ✅Veterinarian-endorsed plan design
- ✅Standard 80% reimbursement (adjustable to 50%)
- ✅Unlimited annual limit on Unlimited+ plan
- ✅Preventive care $450/year (Unlimited+)
- ✅Dental coverage $300/$400/$600 per year
- ✅Coverage for cruciate/IVDD and listed illnesses
- ✅Boarding reimbursement up to $25/day
- ❌Higher-than-average premiums on sample quotes
- ❌Annual deductibles increase with pet age
- ❌No direct payment to veterinarians
- ❌80% reimbursement reducible after claims review
- ❌Six-month waiting period for dental/cruciate/IVDD
Score- ✅Veterinarian-endorsed plan design
- ✅Standard 80% reimbursement (adjustable to 50%)
- ✅Unlimited annual limit on Unlimited+ plan
- ✅Preventive care $450/year (Unlimited+)
- ✅Dental coverage $300/$400/$600 per year
- ✅Coverage for cruciate/IVDD and listed illnesses
- ✅Boarding reimbursement up to $25/day
Our expert's opinion on OVMA
- ✅Veterinarian-endorsed plan design
- ✅Standard 80% reimbursement (adjustable to 50%)
- ✅Unlimited annual limit on Unlimited+ plan
- ✅Preventive care $450/year (Unlimited+)
- ✅Dental coverage $300/$400/$600 per year
- ✅Coverage for cruciate/IVDD and listed illnesses
- ✅Boarding reimbursement up to $25/day
- ❌Higher-than-average premiums on sample quotes
- ❌Annual deductibles increase with pet age
- ❌No direct payment to veterinarians
- ❌80% reimbursement reducible after claims review
- ❌Six-month waiting period for dental/cruciate/IVDD
Score- ✅Veterinarian-endorsed plan design
- ✅Standard 80% reimbursement (adjustable to 50%)
- ✅Unlimited annual limit on Unlimited+ plan
- ✅Preventive care $450/year (Unlimited+)
- ✅Dental coverage $300/$400/$600 per year
- ✅Coverage for cruciate/IVDD and listed illnesses
- ✅Boarding reimbursement up to $25/day
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
The OVMA Guarantees
OVMA Pet Health Insurance offers three plan tiers: Comprehensive, Extended and Unlimited+. All plans are underwritten by Petline Insurance Company and provide coverage for veterinary services for dogs and cats, with additional customer benefits such as boarding reimbursement, lost-pet advertising and cremation or burial expense coverage.
The product is positioned across entry-level to premium options: Comprehensive as entry-level, Extended as balanced, and Unlimited+ as the premium tier with the highest limits and a preventive care benefit.
Coverage generally combines accident and illness protection. The standard reimbursement level is 80% (20% co-insurance) across plans, subject to adjustment downward based on claims history (the reimbursement rate can be reduced, reportedly to as low as 50%).
Deductibles are annual and vary by plan, deductible option (Option A or B) and the pet’s age; deductibles increase as pets age. Annual and per-incident limits differ by plan: Comprehensive has lower annual limits, Extended increases those limits, and Unlimited+ offers unlimited illness limits and higher dental and preventive allowances.
Waiting periods are relatively short for accidents (48 hours) and illness/behavioural conditions (14 days), with a six-month waiting period for dental, cruciate ligament and certain spinal conditions (IVDD).
Accident limits are applied per incident and do not renew; illness limits renew each annual policy period. The policy excludes pre-existing and foreseeable conditions, certain elective procedures, food and non‑DIN/NHP medications, and several other items described below. Notable service constraints: no direct payment to veterinarians (policyholders must pay upfront), no documented 24/7 vet hotline, and no mobile app for policy/claim management in the provided documentation.
| Comprehensive | Extended | Unlimited+ | |
|---|---|---|---|
| Plan positioning | Entry-level | Balanced | Premium |
| Type of coverage | Accident and illness | Accident and illness | Accident and illness (includes preventive benefit) |
| Animals covered | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement rate | Standard 80% (may be reduced based on claims history, potentially to 50%) | Standard 80% (may be reduced based on claims history, potentially to 50%) | Standard 80% (may be reduced based on claims history, potentially to 50%) |
| Annual reimbursement limit | $2,500 per accident / $2,500 per illness | $5,000 per accident / $5,000 per illness | Unlimited (illness); accident limits per incident |
| Deductible (annual or per claim) | Annual deductible. Option A / Option B by age (see details): Option A — Up to 5 yrs: $100; 5–10 yrs: $300 (dog) / $200 (cat); 10+ yrs: $500 (dog) / $300 (cat). Option B — higher tiers (e.g., Up to 5 yrs: $300/$200; etc.) | Same structure as Comprehensive (Option A / Option B with same age bands) | Annual deductible. Option A / Option B with higher amounts: e.g., Option A Up to 5 yrs: $250 (dog)/$200 (cat); increases with age; Option B higher still |
| Age limits for enrollment | Not specified in provided documents | Not specified in provided documents | Not specified in provided documents |
| Pre-enrollment health questionnaire | Not specified in provided documents | Not specified in provided documents | Not specified in provided documents |
| Waiting periods (accident / illness) | Accident: 48 hours. Illness/behavioural: 14 days. Dental/Cruciate/IVDD: 6 months. | Accident: 48 hours. Illness/behavioural: 14 days. Dental/Cruciate/IVDD: 6 months. | Preventive care: none. Accident: 48 hours. Illness/behavioural: 14 days. Dental/Cruciate/IVDD: 6 months. |
| Lifetime coverage | Illness limits renew annually; accident coverage is per incident and does not renew | Illness limits renew annually; accident coverage is per incident and does not renew | Illness: unlimited annual limit; accident coverage per incident |
| Consultations | Covered as part of veterinary services (subject to deductible/co-insurance and annual limits) | Covered as part of veterinary services (subject to deductible/co-insurance and annual limits) | Covered as part of veterinary services (subject to deductible/co-insurance and annual limits) |
| Medications | Covered if related to insured accident/illness and meet DIN/NHP requirements; medications without DIN/NHP excluded | Same as Comprehensive | Same as Comprehensive |
| Hospitalization | Covered within veterinary services and annual limits | Covered within veterinary services and annual limits | Covered within veterinary services and annual limits |
| Surgery | Covered within veterinary services and annual limits | Covered within veterinary services and annual limits | Covered within veterinary services and annual limits |
| Diagnostic tests | Covered within veterinary services and annual limits | Covered within veterinary services and annual limits | Covered within veterinary services and annual limits |
| Dental care | $300 per year (subject to 6-month waiting period; within annual limits) | $400 per year (subject to 6-month waiting period; within annual limits) | $600 per year (subject to 6-month waiting period; within annual limits) |
| Preventive care | Not covered | Not covered | $450 per year (no preventive waiting period) |
| Alternative medicine | Included within annual limits (subject to prior approval/limits) | Included within annual limits (subject to prior approval/limits) | Included within annual limits (subject to prior approval/limits) |
| Travel coverage | Policy valid in Canada and while travelling on vacation in the USA (U.S. funds adjusted to CAD at 1:1 for claims) | Policy valid in Canada and while travelling on vacation in the USA (U.S. funds adjusted to CAD at 1:1 for claims) | Policy valid in Canada and while travelling on vacation in the USA (U.S. funds adjusted to CAD at 1:1 for claims) |
| Civil liability | Not covered / not mentioned in documentation | Not covered / not mentioned in documentation | Not covered / not mentioned in documentation |
| Euthanasia | Euthanasia costs covered when medically necessary for an insured accident or illness (within veterinary services limit) | Euthanasia costs covered when medically necessary for an insured accident or illness (within veterinary services limit) | Euthanasia costs covered when medically necessary for an insured accident or illness (within veterinary services limit) |
| Death & cremation coverage | Cremation or burial reimbursed if pet dies from an insured accident or illness; includes one keepsake urn (limits per schedule) | Cremation or burial reimbursed if pet dies from an insured accident or illness; includes one keepsake urn (limits per schedule) | Cremation or burial reimbursed if pet dies from an insured accident or illness; includes one keepsake urn (limits per schedule) |
| Theft or loss + search expenses | Lost pet advertising and reward costs reimbursed with prior approval (limits per schedule) | Lost pet advertising and reward costs reimbursed with prior approval (limits per schedule) | Lost pet advertising and reward costs reimbursed with prior approval (limits per schedule) |
| Boarding fees | Reimburses up to $25/day for boarding if owner hospitalized at least two days (limits apply) | Reimburses up to $25/day for boarding if owner hospitalized at least two days (limits apply) | Reimburses up to $25/day for boarding if owner hospitalized at least two days (limits apply) |
OVMA’s policy exclusions include pre-existing or foreseeable conditions (permanently excluded if symptoms began before policy start or during a waiting period), congenital conditions evident on exam, and bilateral conditions where a pre-existing issue on one side excludes the other side.
General exclusions applicable to all plans include treatments not directly related to an insured accident or illness (elective procedures and general health improvers), flea control (treatment for flea allergy dermatitis is covered), any food (including prescription diets), spay/neuter procedures and associated complications, umbilical hernia treatment, intentional injuries caused by the owner, certain cat illnesses (FIP/FIV/FeLV) if signs were present before policy start or during waiting period, pregnancy-related conditions, medications without a DIN or NHP number, and claims arising from war, nuclear incidents or natural disasters.
Key limitations and operational constraints: deductibles increase automatically with pet age, which raises out-of-pocket costs for older pets. The standard reimbursement is 80% but may be reduced after review of claim frequency and cost. Accident limits are applied per incident and do not renew, which can limit coverage for recurrent accidents. Policyholders must pay veterinarians up front and submit claims for reimbursement (no direct payment option). The provided documentation does not list a 24/7 veterinary advice hotline or a mobile app for claims/policy management.
Quick provider comparison
| Provider | Typical monthly cost (dog) | Typical monthly cost (cat) | Coverage highlights | Deductible options | Waiting period |
|---|---|---|---|---|---|
| Trupanion | $40–$120 (varies by size/age) | $20–$60 | Known for higher reimbursement options and fewer payout caps in many plans; good for hereditary conditions (varies by province) | Often single deductible per condition or per year (options vary) | ~5–14 days for accidents/illness (depends on plan) |
| Pets Plus Us | $25–$70 | $15–$40 | Flexible plans, wellness add-ons, multi-pet discounts commonly available | Multiple deductible choices (per-incident or annual) | ~14 days typical; shorter for accidents |
| Petsecure | $20–$80 | $15–$35 | Competitive pricing in Canada, accident & illness plans and wellness riders | Several deductible tiers | ~14 days common |
| Desjardins Pet Insurance | $25–$90 | $15–$45 | Wide plan options, optional wellness coverage, claims available via app | Multiple deductible options | ~14 days typical |
OVMA Exclusions
OVMA’s exclusions emphasize pre-existing, foreseeable and congenital conditions, with bilateral conditions automatically excluded if one side was pre-existing.
Standard medical exclusions apply such as elective/non-therapeutic procedures, spay/neuter and related complications, umbilical hernia treatment, pregnancy-related conditions, and treatments not directly related to an insured accident or illness.
Notable specifics include exclusion of flea control (treatment for flea allergy dermatitis is covered), behavioural therapy limitations (no obedience/training classes, correctional devices, or treatment for coprophagia), exclusion of medications without a DIN or NHP, and exclusions for claims arising from war, nuclear incidents or natural disasters; accident limits are per incident and do not renew, and reimbursement rates may be reduced based on claims history.
| Exclusions | Details |
|---|---|
| Medical exclusions | Elective or non-therapeutic procedures; treatments not directly related to an insured accident or illness; umbilical hernia treatment; spay/neuter procedures and complications; pregnancy and associated conditions |
| Pre-existing, congenital and bilateral conditions | Any condition that began or showed symptoms before policy start or during waiting period; congenital conditions evident on exam; bilateral conditions excluded if pre-existing on one side |
| Behavioural exclusions | Obedience/training classes; correctional devices; treatment for coprophagia and certain eating disorders; behavioural therapies limited to what is covered within veterinary services limits |
| Products and medications | Any food including prescription/therapeutic diets; medications without a Drug Identification Number (D.I.N.) or Natural Health Product (N.H.P.) number |
| Infectious disease and species-specific exclusions | For cats: FIP, FIV, FeLV-related illnesses excluded if signs present before policy start or during waiting period |
| Travel, geographic and catastrophic exclusions | Claims arising from war activities, nuclear incidents, or natural disasters excluded |
| Administrative and procedural exclusions | Transportation or house call fees beyond regular exam fee; intentional injuries caused by owner; use of pet for professional/competitive purposes unless pre-approved |
| Other customer-benefit exceptions | Preventive care generally excluded except where specifically covered under Unlimited+; lost pet advertising, boarding fees and cremation/burial are included up to policy limits (not excluded) |
OVMA Prices
OVMA’s pricing sits across an entry-to-premium spectrum with three tiers: Comprehensive (entry-level), Extended (balanced) and Unlimited+ (premium). Plans are underwritten by Petline Insurance Company and combine a standard 80% reimbursement (subject to reduction based on claims history), age-banded annual deductibles (Option A/Option B) and differing annual limits that drive premium variation between tiers.
Key pricing drivers are the 80% standard reimbursement (not fixed and potentially reduced), deductibles that increase with a pet’s age, and annual limits that range from $2,500 per accident/illness (Comprehensive) to unlimited illness coverage (Unlimited+). Value-added features that affect pricing include veterinarian-designed coverage, enhanced dental limits, inclusion of alternative and behavioural therapies within limits, and customer benefits such as boarding reimbursement, lost-pet advertising and cremation/burial allowances; conversely, operational features commonly used to lower digital costs—like direct vet payment, a mobile app or a 24/7 vet hotline—are not documented.
Compared with more traditional market players, OVMA’s structure is positioned toward mid-range to premium for owners seeking comprehensive dental and wellness options, while its potential for reduced reimbursement based on claims and increasing age-related deductibles can affect competitiveness for owners of older pets.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Comprehensive | Extended | Unlimited+ |
|---|---|---|---|
| Dog Labrador 1 year | $81.17 | $122.10 | $232.09 |
| Dog Labrador 3 years | $81.17 | $122.10 | $232.09 |
| Dog Labrador 7 years | $81.17 | $122.10 | $232.09 |
| Dog Australian Shepherd 1 year | $61.33 | $92.28 | $170.46 |
| Dog Australian Shepherd 3 years | $61.33 | $92.28 | $170.46 |
| Dog Australian Shepherd 7 years | $61.33 | $92.28 | $170.46 |
| Dog French Bulldog 1 year | $83.29 | $134.31 | $255.30 |
| Dog French Bulldog 3 years | $83.29 | $134.31 | $255.30 |
| Dog French Bulldog 7 years | $83.29 | $134.31 | $255.30 |
| Cat European Shorthair 1 year | $50.97 | $73.10 | $135.87 |
| Cat European Shorthair 3 years | $50.97 | $73.10 | $135.87 |
| Cat European Shorthair 7 years | $50.97 | $73.10 | $135.87 |
| Cat Maine Coon 1 year | $50.97 | $73.10 | $135.87 |
| Cat Maine Coon 3 years | $50.97 | $73.10 | $135.87 |
| Cat Maine Coon 7 years | $50.97 | $73.10 | $135.87 |
| Cat British Shorthair 1 year | $50.97 | $73.10 | $135.87 |
| Cat British Shorthair 3 years | $50.97 | $73.10 | $135.87 |
| Cat British Shorthair 7 years | $50.97 | $73.10 | $135.87 |
OVMA Promo Codes
| OVMA Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
OVMA Reimbursement Amount
✅ Example 1: Cruciate ligament repair (TPLO)
Total vet costs: $6,500 (surgery, hospitalization, diagnostics, medication)
Deductible amount to subtract: $250 (Unlimited+ Option A for dogs under 5 yrs)
Amount reimbursable after deductible with the Unlimited+ plan: $6,500 – $250 = $6,250
80% of that amount reimbursed: $6,250 × 80% = $5,000
👉 You receive a reimbursement of $5,000.
ℹ️ The cruciate ligament category has a 6‑month waiting period; the deductible applies once per policy year and Unlimited+ illness limits are unlimited.
✅ Example 2: Emergency surgery for gastric torsion (bloat)
Total vet costs: $4,200 (emergency surgery, ICU, medications)
Deductible amount to subtract: $400 (Unlimited+ Option A for dogs 5–10 yrs)
Amount reimbursable after deductible with the Unlimited+ plan: $4,200 – $400 = $3,800
80% of that amount reimbursed: $3,800 × 80% = $3,040
👉 You receive a reimbursement of $3,040.
ℹ️ Accident coverage is calculated per incident and does not renew for recurrent accidents; exact per‑incident accident caps are N.C.
✅ Example 3: Annual preventive care (vaccines, wellness exam, parasite prevention)
Total vet costs: $520 (exam, core vaccines, flea/tick prevention)
Deductible amount to subtract: N.C.
Amount reimbursable after deductible with the Unlimited+ plan: coverage up to $450 per year = $450 reimbursable
👉 You receive a reimbursement of $450.
ℹ️ Unlimited+ includes a $450 annual preventive allowance; whether deductible or co‑insurance applies to this allowance is N.C.
OVMA Assistance
| Assistance OVMA | Available? | Details |
|---|---|---|
| Advance payment | ❌ | Direct payment to the veterinarian is not available. Policyholders must pay upfront and submit a claim by email, fax, or mail. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | No mobile app is offered for policy or claim management. |
| Paperless claims process | ✅ | Claims can be submitted electronically by email or fax. No dedicated online portal or mobile app is documented. |
| Emergency vet service | ❌ | No 24/7 veterinary advice hotline or teleconsultation is documented. |
| Vet/clinic partner network | ❌ | N.C. |
| Coverage abroad | ✅ | Policy is valid in Canada and while travelling on vacation in the United States. Claims in U.S. funds are adjusted to Canadian dollars on a 1:1 basis (no exchange); duration and other conditions are N.C. |
Policyholders must pay upfront and submit a claim by email, fax, or mail.
No dedicated online portal or mobile app is documented.
Claims in U.S. funds are adjusted to Canadian dollars on a 1:1 basis (no exchange); duration and other conditions are N.C.
OVMA Customer Reviews
| Review platform | Rating and number of reviews |
|---|---|
| Forbes Advisor | 4.1 / 5 (number of reviews not provided) |
Notes and reviews by platform
Customers frequently cite OVMA’s veterinarian-designed plans and comprehensive dental coverage as clear strengths. Policyholders appreciate that behavioural and alternative therapies are included within annual limits under the plans. Reviewers and platform summaries highlight a straightforward and transparent claims process. Aggregate platform scores indicate general satisfaction but do not replace access to individual customer comments.
Customers report that premiums and age‑banded deductibles increase significantly as pets get older. Some consumers express concern that the standard 80% reimbursement can be reduced after a review of claims history. Policyholders note the absence of direct payment to veterinarians, which requires paying large bills upfront. Users also point to the lack of a mobile app and a 24/7 veterinary advice hotline as notable service gaps.
Contact OVMA
| OVMA Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Website for direct information. |
| To request and track a reimbursement | Policyholder must pay the veterinarian upfront; direct payment to the veterinarian is not available. Submit claims to: claims@ovmapetinsurance.com, fax 1-855-647-7387, or by mail to OVMA Pet Health Insurance, 301-600 Empress Street, Winnipeg, Manitoba R3G 0R5. Specific required documents, tracking procedure, processing deadlines, and reimbursement payment method are N.C. |
| To obtain a certificate of insurance | Request a certificate by contacting general inquiries at info@ovmapetinsurance.com or by calling toll-free 1-844-744-6862. Required information to process the request and expected turnaround time are N.C. |
| To contact assistance | Phone: 1-844-744-6862 (toll-free). Email: info@ovmapetinsurance.com for general enquiries and claims@ovmapetinsurance.com for claims. Fax: 1-855-647-7387. Mail: OVMA Pet Health Insurance, 301-600 Empress Street, Winnipeg, Manitoba R3G 0R5. No mobile app or 24/7 veterinary advice hotline is documented. |
| To cancel my policy | To request cancellation, contact customer service by phone at 1-844-744-6862 or by email at info@ovmapetinsurance.com. Required information to cancel, notice periods, refund conditions, and any applicable deadlines are N.C. |
Website for direct information.
Submit claims to: claims@ovmapetinsurance.com, fax 1-855-647-7387, or by mail to OVMA Pet Health Insurance, 301-600 Empress Street, Winnipeg, Manitoba R3G 0R5.
Specific required documents, tracking procedure, processing deadlines, and reimbursement payment method are N.C.
Required information to process the request and expected turnaround time are N.C.
Email: info@ovmapetinsurance.com for general enquiries and claims@ovmapetinsurance.com for claims.
Fax: 1-855-647-7387.
Mail: OVMA Pet Health Insurance, 301-600 Empress Street, Winnipeg, Manitoba R3G 0R5.
No mobile app or 24/7 veterinary advice hotline is documented.
Required information to cancel, notice periods, refund conditions, and any applicable deadlines are N.C.
FAQ
Do I have to pay upfront for veterinary fees with OVMA?
OVMA does not offer third‑party or direct payment to veterinarians; policyholders must pay the clinic at time of service.
Submit your claim to claims@ovmapetinsurance.com, fax 1‑855‑647‑7387, or mail an itemized invoice and proof of payment to the OVMA address.
You can also contact info@ovmapetinsurance.com or 1‑844‑744‑6862 for guidance on claim submission.
The insurer reimburses the policyholder after assessment; the exact reimbursement payment method and processing timelines are not communicated.
How do I cancel my pet insurance policy with OVMA?
Request cancellation by contacting customer service at 1‑844‑744‑6862 or info@ovmapetinsurance.com and state your policy number.
Provide the policyholder name, pet details and the desired cancellation date in writing to ensure a clear record.
Ask the insurer to send written confirmation of cancellation and any refund calculation.
Specific notice periods, refund conditions and required cancellation forms are not communicated in the provided documents.
What are the waiting periods for accident, illness and dental coverage?
Accident coverage has a 48‑hour waiting period and illness/behavioural coverage has a 14‑day waiting period.
Dental conditions, cruciate ligament injuries and IVDD carry a 6‑month waiting period before coverage applies.
The Unlimited+ plan’s preventive care allowance has no waiting period for that benefit.
Conditions with signs before the policy start date or during waiting periods are considered pre‑existing and are excluded.
How much will OVMA reimburse and how do deductibles work?
The standard reimbursement rate is 80% (20% co‑insurance) after the annual deductible is applied.
OVMA may reduce the reimbursement rate down to 50% based on claims history after insurer review.
Annual deductibles vary by plan, species and age (for example, Unlimited+ Option A: $250 dog / $200 cat up to 5 years).
Deductibles apply once per policy year and reimbursements are subject to plan limits and exclusions.
What are the annual limits and how is accident coverage calculated?
The Comprehensive plan limits are $2,500 per accident and $2,500 per illness; Extended is $5,000 per accident and illness.
The Unlimited+ plan offers unlimited illness coverage; preventive allowance is $450 per year on Unlimited+.
Accident limits are calculated per incident and do not renew for recurrent accidents.
Illness limits renew each policy period and are reduced by paid claims during that year.
What common exclusions should I be aware of?
Pre‑existing or foreseeable conditions, elective or non‑insured treatments and spay/neuter procedures are excluded unless otherwise noted for Unlimited+.
Foods, most flea control (except treatment for flea allergy dermatitis), pregnancy‑related conditions, and medications without a DIN or NHP number are not reimbursed.
Bilateral conditions where one side was pre‑existing are excluded for the opposite side.
Other exclusions include intentional injuries, war/nuclear incidents, and transportation or house‑call fees beyond the regular exam fee.
Do I have to pay upfront for veterinary fees with OVMA?
OVMA does not offer third‑party or direct payment to veterinarians; policyholders must pay the clinic at time of service.
Submit your claim to claims@ovmapetinsurance.com, fax 1‑855‑647‑7387, or mail an itemized invoice and proof of payment to the OVMA address.
You can also contact info@ovmapetinsurance.com or 1‑844‑744‑6862 for guidance on claim submission.
The insurer reimburses the policyholder after assessment; the exact reimbursement payment method and processing timelines are not communicated.
How do I cancel my pet insurance policy with OVMA?
Request cancellation by contacting customer service at 1‑844‑744‑6862 or info@ovmapetinsurance.com and state your policy number.
Provide the policyholder name, pet details and the desired cancellation date in writing to ensure a clear record.
Ask the insurer to send written confirmation of cancellation and any refund calculation.
Specific notice periods, refund conditions and required cancellation forms are not communicated in the provided documents.
What are the waiting periods for accident, illness and dental coverage?
Accident coverage has a 48‑hour waiting period and illness/behavioural coverage has a 14‑day waiting period.
Dental conditions, cruciate ligament injuries and IVDD carry a 6‑month waiting period before coverage applies.
The Unlimited+ plan’s preventive care allowance has no waiting period for that benefit.
Conditions with signs before the policy start date or during waiting periods are considered pre‑existing and are excluded.
How much will OVMA reimburse and how do deductibles work?
The standard reimbursement rate is 80% (20% co‑insurance) after the annual deductible is applied.
OVMA may reduce the reimbursement rate down to 50% based on claims history after insurer review.
Annual deductibles vary by plan, species and age (for example, Unlimited+ Option A: $250 dog / $200 cat up to 5 years).
Deductibles apply once per policy year and reimbursements are subject to plan limits and exclusions.
What are the annual limits and how is accident coverage calculated?
The Comprehensive plan limits are $2,500 per accident and $2,500 per illness; Extended is $5,000 per accident and illness.
The Unlimited+ plan offers unlimited illness coverage; preventive allowance is $450 per year on Unlimited+.
Accident limits are calculated per incident and do not renew for recurrent accidents.
Illness limits renew each policy period and are reduced by paid claims during that year.
What common exclusions should I be aware of?
Pre‑existing or foreseeable conditions, elective or non‑insured treatments and spay/neuter procedures are excluded unless otherwise noted for Unlimited+.
Foods, most flea control (except treatment for flea allergy dermatitis), pregnancy‑related conditions, and medications without a DIN or NHP number are not reimbursed.
Bilateral conditions where one side was pre‑existing are excluded for the opposite side.
Other exclusions include intentional injuries, war/nuclear incidents, and transportation or house‑call fees beyond the regular exam fee.
FAQ
Do I have to pay upfront for veterinary fees with OVMA?
OVMA does not offer direct or third‑party payment to veterinarians; policyholders must pay the clinic at the time of service.
Submit a claim with an itemized invoice and proof of payment to claims@ovmapetinsurance.com, fax 1‑855‑647‑7387, or by mail to the Winnipeg address.
You can call 1‑844‑744‑6862 or email info@ovmapetinsurance.com for submission guidance.
Reimbursements are paid to the policyholder after assessment; exact payment timing and method are not specified in the provided documents.
How do I cancel my pet insurance policy with OVMA?
To cancel, contact OVMA by phone at 1‑844‑744‑6862 or email info@ovmapetinsurance.com and provide your policy number and cancellation date.
Send a written cancellation request with the policyholder name and pet details to create a clear record.
Request written confirmation of the cancellation and any refund calculation from OVMA for your records.
Specific notice periods, required forms, and refund conditions are not communicated in the policy documents provided.
What is the standard reimbursement rate and can it change?
The standard reimbursement rate is 80% after the annual deductible is applied, leaving a typical 20% co‑insurance.
OVMA may reduce the reimbursement rate down to 50% based on claims history following insurer review.
Final paid amounts depend on the deductible you chose, the plan limits and any applied rate adjustments.
Always review your policy schedule and claims decision letters to confirm the rate applied to each claim.
What waiting periods apply before coverage starts?
Accident coverage carries a 48‑hour waiting period from the policy start date before claims are eligible.
Illness and behavioural conditions have a 14‑day waiting period; dental, cruciate ligament and IVDD conditions have a six‑month waiting period.
The Unlimited+ plan’s preventive care allowance has no waiting period for that specific benefit.
Conditions showing signs before the policy start date or during waiting periods are treated as pre‑existing and excluded.
What are the annual limits and how are accident limits applied?
Comprehensive provides $2,500 per accident and $2,500 per illness, Extended offers $5,000 per accident and illness, and Unlimited+ gives unlimited illness coverage.
Accident limits are calculated per incident and do not renew for recurrent accidents; illness limits renew each policy year.
Unlimited+ also includes a $450 annual preventive allowance and higher dental limits compared with lower tiers.
Check your policy schedule to confirm exact limits and remaining annual coverage after claims.
Which common exclusions should owners know about?
Pre‑existing or foreseeable conditions, elective procedures and routine spay/neuter operations are excluded under standard terms.
Foods, most flea control (except for treatment of flea allergy dermatitis), pregnancy‑related conditions, and medications without a DIN or NHP are not reimbursed.
Bilateral conditions are excluded on the opposite side if one side was pre‑existing, and intentional injuries are excluded.
Review the full exclusions section in your policy for species‑specific rules such as FIV/FELV/FIP clauses for cats.
Do I have to pay upfront for veterinary fees with OVMA?
OVMA does not offer direct or third‑party payment to veterinarians; policyholders must pay the clinic at the time of service.
Submit a claim with an itemized invoice and proof of payment to claims@ovmapetinsurance.com, fax 1‑855‑647‑7387, or by mail to the Winnipeg address.
You can call 1‑844‑744‑6862 or email info@ovmapetinsurance.com for submission guidance.
Reimbursements are paid to the policyholder after assessment; exact payment timing and method are not specified in the provided documents.
How do I cancel my pet insurance policy with OVMA?
To cancel, contact OVMA by phone at 1‑844‑744‑6862 or email info@ovmapetinsurance.com and provide your policy number and cancellation date.
Send a written cancellation request with the policyholder name and pet details to create a clear record.
Request written confirmation of the cancellation and any refund calculation from OVMA for your records.
Specific notice periods, required forms, and refund conditions are not communicated in the policy documents provided.
What is the standard reimbursement rate and can it change?
The standard reimbursement rate is 80% after the annual deductible is applied, leaving a typical 20% co‑insurance.
OVMA may reduce the reimbursement rate down to 50% based on claims history following insurer review.
Final paid amounts depend on the deductible you chose, the plan limits and any applied rate adjustments.
Always review your policy schedule and claims decision letters to confirm the rate applied to each claim.
What waiting periods apply before coverage starts?
Accident coverage carries a 48‑hour waiting period from the policy start date before claims are eligible.
Illness and behavioural conditions have a 14‑day waiting period; dental, cruciate ligament and IVDD conditions have a six‑month waiting period.
The Unlimited+ plan’s preventive care allowance has no waiting period for that specific benefit.
Conditions showing signs before the policy start date or during waiting periods are treated as pre‑existing and excluded.
What are the annual limits and how are accident limits applied?
Comprehensive provides $2,500 per accident and $2,500 per illness, Extended offers $5,000 per accident and illness, and Unlimited+ gives unlimited illness coverage.
Accident limits are calculated per incident and do not renew for recurrent accidents; illness limits renew each policy year.
Unlimited+ also includes a $450 annual preventive allowance and higher dental limits compared with lower tiers.
Check your policy schedule to confirm exact limits and remaining annual coverage after claims.
Which common exclusions should owners know about?
Pre‑existing or foreseeable conditions, elective procedures and routine spay/neuter operations are excluded under standard terms.
Foods, most flea control (except for treatment of flea allergy dermatitis), pregnancy‑related conditions, and medications without a DIN or NHP are not reimbursed.
Bilateral conditions are excluded on the opposite side if one side was pre‑existing, and intentional injuries are excluded.
Review the full exclusions section in your policy for species‑specific rules such as FIV/FELV/FIP clauses for cats.
FAQ
Do I have to pay upfront for veterinary fees with OVMA?
Yes. OVMA does not provide a third‑party or direct payment service to veterinarians; the policyholder must pay the clinic at the time of treatment. After payment, submit an itemized invoice and proof of payment to claims@ovmapetinsurance.com, fax 1‑855‑647‑7387, or by mail to the Winnipeg address. Reimbursement is made to the policyholder following claim assessment and application of the deductible and co‑insurance. Exact payout timing and the payment method are not specified in the provided documents.
How do I cancel my pet insurance policy with OVMA?
Contact OVMA by phone at 1‑844‑744‑6862 or email info@ovmapetinsurance.com to request cancellation and provide your policy number. Send a written confirmation including the policyholder name, pet details and requested cancellation date to create a formal record. Ask OVMA to confirm cancellation in writing and to provide any refund calculation if applicable. Specific notice periods, required forms, and refund rules are not communicated in the available policy materials.
What reimbursement rates and co‑insurance apply to claims?
The standard reimbursement rate is 80% (20% co‑insurance) after the annual deductible is applied. OVMA states it may reduce the reimbursement rate down to 50% based on claims history following insurer review. Actual reimbursement on a claim depends on the chosen plan, deductible option, any applied rate adjustment, and plan limits. Always check your policy schedule and claim decision letter to confirm the rate applied to each paid claim.
What waiting periods apply before coverage is effective?
Accident coverage has a 48‑hour waiting period from the policy start date. Illness and behavioural coverage have a 14‑day waiting period, while dental, cruciate ligament and IVDD conditions have a six‑month waiting period. The Unlimited+ plan’s preventive care allowance is listed with no waiting period for that specific benefit. Conditions that show signs before the policy start or during waiting periods are treated as pre‑existing and excluded.
What are the annual limits and how is accident coverage calculated?
The Comprehensive plan limits are $2,500 per accident and $2,500 per illness; Extended is $5,000 per accident and illness; Unlimited+ provides unlimited illness coverage. Accident limits are calculated per incident and do not renew for recurrent accidents, while illness limits renew each policy period. Unlimited+ also includes a preventive care allowance ($450) and higher dental limits compared with lower tiers. Refer to your Schedule of Maximum Amounts for the exact monetary limits that apply to your policy.
Which common exclusions should I watch for in OVMA policies?
Pre‑existing or foreseeable conditions, elective procedures and routine spay/neuter operations are excluded under standard terms. Foods, most flea control (except treatment for flea allergy dermatitis), pregnancy‑related conditions, and medications without a DIN or NHP are not reimbursed. Bilateral conditions are excluded on the opposite side if one side was pre-existing; intentional injuries and war/nuclear events are also excluded. Consult the full exclusions section in your policy for complete, species‑specific details (e.g., feline FIV/FELV/FIP clauses).
Do I have to pay upfront for veterinary fees with OVMA?
Yes. OVMA does not provide a third‑party or direct payment service to veterinarians; the policyholder must pay the clinic at the time of treatment. After payment, submit an itemized invoice and proof of payment to claims@ovmapetinsurance.com, fax 1‑855‑647‑7387, or by mail to the Winnipeg address. Reimbursement is made to the policyholder following claim assessment and application of the deductible and co‑insurance. Exact payout timing and the payment method are not specified in the provided documents.
How do I cancel my pet insurance policy with OVMA?
Contact OVMA by phone at 1‑844‑744‑6862 or email info@ovmapetinsurance.com to request cancellation and provide your policy number. Send a written confirmation including the policyholder name, pet details and requested cancellation date to create a formal record. Ask OVMA to confirm cancellation in writing and to provide any refund calculation if applicable. Specific notice periods, required forms, and refund rules are not communicated in the available policy materials.
What reimbursement rates and co‑insurance apply to claims?
The standard reimbursement rate is 80% (20% co‑insurance) after the annual deductible is applied. OVMA states it may reduce the reimbursement rate down to 50% based on claims history following insurer review. Actual reimbursement on a claim depends on the chosen plan, deductible option, any applied rate adjustment, and plan limits. Always check your policy schedule and claim decision letter to confirm the rate applied to each paid claim.
What waiting periods apply before coverage is effective?
Accident coverage has a 48‑hour waiting period from the policy start date. Illness and behavioural coverage have a 14‑day waiting period, while dental, cruciate ligament and IVDD conditions have a six‑month waiting period. The Unlimited+ plan’s preventive care allowance is listed with no waiting period for that specific benefit. Conditions that show signs before the policy start or during waiting periods are treated as pre‑existing and excluded.
What are the annual limits and how is accident coverage calculated?
The Comprehensive plan limits are $2,500 per accident and $2,500 per illness; Extended is $5,000 per accident and illness; Unlimited+ provides unlimited illness coverage. Accident limits are calculated per incident and do not renew for recurrent accidents, while illness limits renew each policy period. Unlimited+ also includes a preventive care allowance ($450) and higher dental limits compared with lower tiers. Refer to your Schedule of Maximum Amounts for the exact monetary limits that apply to your policy.
Which common exclusions should I watch for in OVMA policies?
Pre‑existing or foreseeable conditions, elective procedures and routine spay/neuter operations are excluded under standard terms. Foods, most flea control (except treatment for flea allergy dermatitis), pregnancy‑related conditions, and medications without a DIN or NHP are not reimbursed. Bilateral conditions are excluded on the opposite side if one side was pre-existing; intentional injuries and war/nuclear events are also excluded. Consult the full exclusions section in your policy for complete, species‑specific details (e.g., feline FIV/FELV/FIP clauses).
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