PC Insurance Review (June, 2024) – Services, Pricing, Pros & Cons

If you’re currently searching for an insurance company, then chances are you’ve stumbled upon President’s Choice Insurance, also known as PC Insurance, which is one of the major players in the Canadian insurance industry.

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Last Updated: Jun 16, 2024

PC Insurance

  • Earn PC Optimum points on insurance
  • Make claims 24/7
  • Serves AB, ON, NB, PEI, NS and NL

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The company promises to provide its customers with the best rates available in the market.

Most Canadian insurance companies pride themselves on offering the best and most affordable prices, along with top-notch services, while always prioritizing their customers’ needs.

However, these claims are becoming quite common and no longer seem newsworthy.

In this PC Insurance review, we will delve into PC Insurance’s products and services, and determine whether their claims are factual or mere hot air.

What is PC Auto Insurance?

PC Auto Insurance is an online insurance broker that compares your insurance alternatives side by side. You may obtain competitive coverage from up to nine different vehicle insurance carriers with only a few clicks.

All you need to do is provide your personal details to generate a quote that will display the cost of the insurance coverage you’re interested in.

It’s important to note that the quote may not be your final price, and it’s best to consult with a PC agent to negotiate the specifics of your contract before making any payments.

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What types of insurance does PC provide?

PC Auto Insurance offers a variety of insurance packages from well-known providers to choose from.

Compulsory insurance

The insurance coverage that automatically comes with every quote includes the following:

  • Liability insurance, which covers expenses that may arise if you cause an accident and someone sues you for damages.
  • Accident benefits, which pay for medical expenses in the event of injury to you or your passengers during an accident.
  • Uninsured motorist coverage, which helps you recover in case you encounter an uninsured driver or hit-and-run driver.
  • Direct compensation, which pays for damages to your vehicle if you are not fully responsible for the accident (only available in Ontario).

Collision or Comprehensive Insurance

This insurance is more expensive, but it covers damages and repairs to your vehicle:

Collision insurance, which pays for repairs and maintenance following a collision, or replaces your vehicle if it is considered a write-off.

Comprehensive insurance protects your vehicle against damages caused by falling objects, vandalism, fire, theft, natural disasters, or civil unrest.

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What do I need to know before applying?

Eligibility Requirements
To qualify for PC Auto Insurance coverage, you must meet the following criteria:

  • Be at least 16 years old.
  • Hold a valid Canadian driver’s license.
  • Own the vehicle you want to insure.
  • You may also need to meet additional requirements based on the province you reside in.

How to Apply

If you want to apply for PC Auto Insurance, follow these simple steps:

  1. Visit the PC Auto Insurance website to request a quote online.
  2. Submit the required documents, such as a valid driver’s license and proof of vehicle purchase.
  3. If you meet the eligibility criteria, you will be verified and work with PC to negotiate the terms of your car insurance.

How to get in touch with PC Auto Insurance

You can contact PC Auto Insurance via their toll-free customer support number during regular business hours. Additionally, their claims hotline is available 24/7 to report accidents. For non-urgent inquiries, you can send an email or a letter to their business address in Ontario.

Pros of PC Pet Insurance

Free First Month of Pet Insurance

PC Pet Insurance offers a free first month of pet insurance, which could save you $50. You can try the service for a month before being charged, which is an excellent way to determine if it’s right for you.

Easy Sign-Up

The sign-up process for PC Pet Insurance is straightforward, and you can do it online after receiving a quote.

Coverage for Pets of Any Age

PC Pet Insurance covers pets of any age, including those that aren’t puppies. This means your pet can still be covered, regardless of their age.

Friendly Customer Service Representatives

PC Pet Insurance’s customer service representatives are friendly and eager to assist you, which is a refreshing change from the usual insurance company experience.

Discounts for Multiple Pets

PC Pet Insurance offers discounts for those with multiple pets. You can get a 10% discount if you have three to five pets, and a 15% discount if you have six or more pets.

Standard Coverage

PC Pet Insurance offers standard coverage, with accident coverage starting 48 hours after your policy, and illness coverage starting after 14 days.

Personalized Premium

Your premium is personalized based on your pet’s breed and location, taking into account varying veterinary costs.

Earn PC Points

If you pay with your PC Financial Mastercard, you can earn 20 PC points for every dollar of premium paid.

Affordable Rates

Accident coverage for dogs starts at $10.95 per month, and for cats, it starts at $9.95 per month.

Effortless Claims Approval

PC Pet Insurance approves claims without any trouble, making it easy to receive the coverage your pet needs.

PC Pet Insurance cons

Pre-existing condition coverage

One downside of PC Pet Insurance is that it may not cover pre-existing conditions. When filing a claim, the underwriters will review your pet’s medical records to ensure that there are no pre-existing conditions.

It is also important to disclose any current or past conditions that your pet has experienced. For instance, if your pet has had food allergies, certain illnesses that arise from this condition, such as skin and gastrointestinal issues, may not be covered.

It is worth noting that other pet insurance providers have similar policies. Even Vet Insurance, which is renowned for being the “gold standard” in pet insurance, now requires a veterinary examination before approving a pet insurance application.

Delayed insurance documents

After being approved for pet insurance, customers may experience delays in receiving policy and member numbers from PC Pet Insurance.

This can cause confusion and inconvenience. While the policy package is comprehensive and easy to read once received, the wait time for delivery can be frustrating.

Claim Form Availability

In the past, finding claim forms on the PC Pet Insurance website may have been difficult.

However, it appears that the company has since made improvements to its website, making claim forms readily available as Adobe PDF files located on the right-hand side.

While the processing time for claims is faster than that of other pet insurance companies, it can still take some time to receive the results.

Changing Plans

If you need to change your pet insurance plan with PC Pet Insurance, you will need to submit a new application.

This is in sharp contrast to other pet insurance firms in Canada, where coverage may be updated with a simple phone call.

However, PC Pet Insurance suggests choosing a plan to cover your pet for the rest of its lifetime to eliminate the danger of pre-existing illnesses accumulating over time.

Overall, PC Pet Insurance has received positive feedback from customers with friendly customer service and transparent policies.

Their plans are straightforward compared to those of other providers, which may have more complicated plans with specific coverage limits.

PC Insurance: a brief overview of car insurance offerings

President’s Choice Insurance, regularly referred to as PC Insurance, is a famous Canadian insurance policy provider that serves clients across the country by providing a variety of insurance products.

This includes car insurance coverage, which is summarized below:

Car Insurance Coverage

PC Insurance provides various car insurance coverage options, including liability coverage, physical damage coverage, and accident benefits.

Optional coverage, such as legal protection, rental cars, and roadside assistance, is also available to customers.

Online Quotes

Customers can effortlessly obtain quotes for their insurance products online via PC Insurance’s website. This makes it convenient to compare coverage options and rates.


PC Insurance offers insurance premium discounts to customers for various factors, including having multiple policies with the company, having an excellent driving record, and driving a vehicle with safety features.

Claims Handling

PC I++++nsurance has a team dedicated to handling claims to help customers navigate the claims process quickly and fairly.

Customer Service: PC Insurance values excellent customer service and strives to maintain transparency, honesty, and open communication with its customers.


To assist people in locating the best insurance coverage for their unique needs, PC Insurance collaborates with a network of independent insurance brokers across Canada.

In general, PC Insurance is a respectable insurer that offers its clients a variety of insurance products, top-notch customer support, and openness.

PC Insurance market share

Although PC Insurance doesn’t publicly share its market share, it is a reputable insurance company in Canada with a long history, particularly in the areas of home and auto insurance.

Due to its affiliation with one of Canada’s largest merchants, Loblaw Companies Limited, PC Insurance has a significant market presence in that country.

PC Insurance is a well-known and reputable insurance company in Canada, despite the lack of precise market share data.

Other services offered by PC Insurance

PC Insurance offers a diverse range of insurance products to its customers in Canada, including:

Car Insurance

PC Insurance provides liability coverage, accident benefits, and physical damage coverage for various car insurance products. Customers can opt for additional coverage, such as roadside assistance, rental cars, and legal protection, as well.

Home Insurance

PC is one of the insurance companies in Canada that provides home insurance for houses, condominiums, and renters. Buyers of their policies can also add water damage, sewer backup, and home business insurance as options.

Insurance for Travel

Travel insurance from PC Insurance includes coverage for emergency medical bills, trip cancellations, and trip interruptions.

Pet Insurance

Pet insurance options are offered by PC Insurance and cover boarding costs, prescription costs, and veterinarian costs.

Life Insurance

PC Insurance provides life insurance policies such as term life insurance, full life insurance, and critical illness insurance.

Small Business Insurance

Business interruption insurance, property insurance, and liability insurance are all insurance options provided by PC Insurance for small companies.

PC Insurance’s car insurance coverage

PC Insurance is a subsidiary of Loblaw Companies and was founded in 1996. It provides home, auto, travel, and business insurance products to its customers.

PC Insurance offers car insurance coverage in select areas, such as

  • Ontario
  • Alberta,
  • New Brunswick
  • Nova Scotia
  • Newfoundland
  • Prince Edward Island.

PC Insurance: making a claim or cancelling a policy

If you need to file a claim with PC Insurance, the process is hassle-free and straightforward.

You can easily call their phone lines and speak with an agent, who will ask for the necessary information and give you an estimated time frame for a response.

To make a claim, call 1-877-251-8656.

If you wish to cancel your policy, you can also use the same number to speak with an agent who will guide you through the process.

Keep in mind that cancelling your policy early may result in a cancellation fee, which is solely for administrative purposes.

Getting a quote from PC Insurance

To receive a quote from PC Insurance, you can contact them at 1866-660-9035 and speak with an insurance specialist during their weekday and Saturday hours of availability.

You can also obtain a quote online, but make sure to have all the necessary information on hand beforehand, such as your vehicle’s make and model, driver’s license, and driving record, among other details.

PC Insurance review final thoughts

PC Auto Insurance is a reputable car insurance broker that can provide access to competitive rates. However, keep in mind that they only compare rates from providers affiliated with their platform, so it’s essential to conduct your own research to ensure that you’re getting the best possible deal.

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FAQs about our PC Insurance review

Are other drivers insured to drive my car?

Yes, as long as you give them permission and they have a valid driver's license. All licensed drivers in your household should be listed on your policy, regardless of how frequently they use your vehicle.

What types of discounts are available?

There are various ways to qualify for discounts, such as parking your vehicle off-street, having winter tires, or installing a car alarm. Additionally, students and seniors may also qualify for discounts. Visit PC's website for a list of other available discounts.


PC Insurance

April 29, 2023
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