Is OVMA pet insurance the best? Review 2024
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If you are a pet parent, you know vet bills can be substantial and usually come when you are least prepared for them. Pet insurance can be a real relief and help guarantee your ability to pay for quality care at the veterinarian.
Did you know that the average cat owner in Canada spent nearly $2,800 in 2022 caring for their animal? For dog owners, this number was higher at $3,500 and even more in some cases. Further, the cost of caring for an animal is only increasing every year as per a study by HelloSafe’s team.
So it's more important than ever to have pet insurance. To save you some time, we've done a detailed review of OVMA pet insurance, its pros and cons, prices, what makes it unique and why it may be right for you.
Our 2024 review of OVMA pet insurance
Ontario Veterinary Medical Association (OVMA) Pet Health Insurance was carefully designed by authorised and experienced Ontario veterinarians. The policy and coverage are based on the knowledge and expertise of local professionals in the veterinary field.
Here is what HelloSafe thinks about OVMA pet insurance pros and cons:
Why OVMA could be right for you:
- Designed by the Ontario Veterinary Medical Association
- Multiple deductible options
- Comprehensive dental illness coverage
- Vet exam fees covered
Why OVMA may not be right for you:
- Wellness coverage is not included in the comprehensive or extended policies
- No vet direct pay
- Age-based deductible
Compare quotes and options before choosing pet insurance with OVMA. A little shopping around can help you to save money and find the coverage that fits your needs. You could use our comparator below to compare and get the best pet insurance quotes in seconds.
Compare the best pet insurance plans on the market!
What is the OVMA pet insurance coverage?
What does OVMA pet insurance cover?
OVMA offers three plans and they're called Comprehensive, Extended, Unlimited. The accident, illness, and dental coverage offered vary with the plan you opt for.
Refer to our chart to see how each OVMA pet health insurance works:
| Cover | Comprehensive | Extended | Unlimited |
|---|---|---|---|
| Accident | $2,500 | $5,000 | Unlimited |
| Illness | $2,500 | $5,000 | Unlimited |
| Dental | $300 | $400 | $600 |
| Wellness coverage | $450 (dogs), $350 (cats) |
What does OVMA pet insurance not cover?
OVMA does not provide coverage for pre-existing conditions. Pre-existing conditions are generally described as any ailment that commences or exhibits symptoms, whether or not it has been officially diagnosed, before enrolling in the insurance policy or during any relevant waiting periods.
Good to know
When opting for an OVMA policy, your pet's medical history will undergo a comprehensive assessment before enrollment. This meticulous evaluation guarantees that there won't be any unforeseen exclusions concerning pre-existing conditions or other restrictions on coverage.
How much does a policy with OVMA cost in Canada?
The price of pet insurance coverage with OVMA will vary depending on your situation. For example, the age, size or breed of your animal. Also, the type of coverage you need. Do you need a cat insurance, or a dog insurance? Therefore, it will be important to get an individual quote customized for your unique needs.
The monthly premiums can range from $75-80 for a comprehensive plan to 180-200 for an unlimited plan. This would come up to between $950 and $2250 if the payment was calculated annually.
Before settling on OVMA pet insurance, make sure to compare all the best offers currently on the market using our frre online tool below:
Compare the best pet insurance plans on the market!
How does OWMA pet insurance work?
How do I purchase a pet insurance plan with OVMA?
If you would like to obtain a quote and purchase an OVMA plan, you can do so online. All you need to do is enter basic information like your pet's name, age, and breed, and where you live, and get quotes instantly.
You could also call them on the toll free number provided in the next section or write an email to [email protected] and get all the information you need to get the right policy.
How much pet insurance do I need?
How much pet insurance you need will depend on many different factor. These include your pets:
- Age
- Sex
- Breed
- Existing health conditions
- Current health
How do I file a claim with OVMA pet insurance?
If you need to file a claim, you will need to complete a claim form that you will find by logging onto OVMA's website.
After you pay your bill, ask your veterinarian to fill out sections 2 and 3 of the claim form. You fill out sections 1 and 4.
Send the completed claim form to:
- OVMA's email: [email protected]
- OVMA's fax: 1-855-647-7387
- OVMA's mail address: Petline Insurance Company, 301-600 Empress Street, Winnipeg, MB, R3G 0R5
How do I cancel my OVMA pet insurance plan?
If you would like to cancel your OVMA pet insurance policy, you can reach out to the customer service team at 1.844.744.6862 or write to [email protected].
Make sure to check with the team on cancelation upon renewal of your policy because some providers may charge additional fee for late cancelation.
Watch out!
However, canceling your policy might put your pet at risk of not having coverage and result in expensive vet fees should something arise. Besides, the cost of owning a pet, even if it's healthy, is generally quite high without pet insurance.
Can I transfer my OVMA policy?
You might find yourself in a situation where you would like to change your pet insurance provider, for example, to get a better deal. When doing so, there are some factors to take into consideration:
- Difference in coverage - a medical condition may be considered pre-existing to the new insurer at the time of enrolment, and, therefore, not being covered.
- There may be an unavoidable waiting period before your new policy begins.
- Immediate savings of a new policy may ultimately cost more in the long run - the cost of on-going treatment.
How can I contact OVMA pet insurance?
This is the best way to get in touch with OVMA:
- For any inquiry, call OVMA pet insurance on the following number: 1-844-744-6862
It is important to choose the right policy that meets the needs of both your pet and yourself. This is to ensure that if a problem arises, it will be covered by your insurance.
Take time to shop around and compare insurers by using our comparison tool below and also get quick quotes from Canada's best pet insurances.
Compare the best pet insurance plans on the market!
