Understanding PetCare Insurance |
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Part of Loving is ProtectingIn the unfortunate event that your pet becomes ill or is hurt you will need to take them to your veterinarian. Your veterinarian is a highly skilled expert who has access to all the latest medical developments to work to bring your pet back to health. However this expertise comes with a cost attached (see accompanying table). Pet insurance offers pet owners a method of budgetting for the unexpected through a series of affordable monthly payments. |
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| Pets aged 8 weeks and older may enroll | Cats and dogs over the age of 8 weeks may enroll into the PetCare Pet Insurance Programs, for QuickCare Gold and QuickCare Preferred, enrollment is allowed up to age 10 for cats, age 8 for dogs and age 6 for Select Breed dogs. Once enrolled into a program the pet may stay on that program for the rest of its life.. |
| PetCare pays up to 100% |
PetCare Pet Insurance Programs offers a flexible range of programs that allow you to determine the percentage coverage/monthly premium mix that will work best for you and your finances. You may choose from 100% and 70% coverage - see below for examples of how the various programs work out when you claim. |
| No physical exam required | Coverage commences next day - Accident and illness coverage begins at 12:01am the morning after your enrollment application is approved, except illness coverage under the QuickCare Gold, QuickCare Complete and QuickCare Plus for Cats programs which does not commence until 30 days following enrollment. |
| Annual check-up and vaccinations required | An annual examination and adherence to the vaccination recommendations of your veterinarian are a condition of your continued PetCare Pet Insurance Programs coverage. |
| Pre-existing Conditions Excluded from Coverage | Coverage will not be extended for existing conditions, injuries, medical conditions and symptoms of concern that were evident prior to enrollment or for QuickCare Gold, QuickCare Complete and QuickCare Plus for Cats which occur during the 30 day waiting period for illness coverage. Exclusions may be temporary or permanent in nature. |
| No Annual Maximum Benefit Restrictions | There are no maximum annual benefit restrictions, you may choose when and how you use your benefits based on your veterinarian's treatment recommendations for your pet. The maximum coverage per incident is detailed in the coverage charts on the appropriate pages. You may claim for an unlimited number of covered accidents up to the per incident coverage amount. You may claim up to the coverage amount for each illness category indicated in your program choice over the lifetime of the pet. |
| Guaranteed acceptance | All cats and dogs over the age of 8 weeks may enroll, and are guaranteeed acceptance into one of the PetCare Pet Insurance Programs. Selected programs do have an upper age limit. Please check program pages for details.. |
| Fixed Premiums and Deductibles | The PetCare Pet Insurance Programs are annual policies that have been filed and approved on a state by state basis, premiums and deductibles are fixed for each annual period. |
| Automatic Policy Renewal | The PetCare Pet Insurance Programs renew automatically provided that the premium payments are kept up to date. You may cancel your policy at any time as described in the policy Terms and Conditions. |
| Monthly or Annual Premium Payment | Your premiums may be paid on a monthly or annual basis. In the event that you choose to pay on a monthly basis a $2.00 pay plan fee will be added to your monthly billing. |
| Exclusions | If Adult Onset Demodex (After Age Five) has been noted, treated or diagnosed, prior to the inception of your policy, or within the thirty day waiting period for illness coverage, no illness coverage is available under any of our programs. Accident coverage is still available. If Feline Immunodeficiency Virus (FIV) and/or Feline Leukemia Virus (FELV) has been noted, treated or diagnosed, prior to the inception of your policy, or within the thirty day waiting period for illness coverage, no illness coverage is available under any of our programs. Accident coverage is still available. |
The financial equation relating to pet insurance policies is made up of three parts, the premium, the deductible and the percent of the claim payable. Example Claim Calculations are as follows:
 A 1 year old puppy eats a sock - Cost $1,800 |
 QuickCare Gold  |
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 A 4 year old cat gets diabetes - Cost $1,800 |
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A 2 year old dog gets an eye infection - Cost $2,400 |
QuickCare Gold |
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A 3 year old dog gets cancer - Cost $5,000 |
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Still have questions call one of our friendly sales representatives to help you make an informed choice.
Tel: 1-888-897-PETS (7387)
Fax: 1-866-369-PETS (7387)
Call Centre Hours (Eastern Time)
8:00am to 12:00am (Mon-Fri)
10:00am to 8:00pm (Sat)
Administration Hours (Eastern Time)
8:00am to 8:00pm (Mon-Fri)
* Please see program pages for Select Breed Charges
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I’ve had my Vizsla named Elke for six and half years. She’s always been prone to benign cysts and one day I noticed a large bump rising out of her back. I took her to the vet assuming I’d be told it was simply another benign cyst, but the vet told me he had some concerns; that he wanted to get Elke into surgery and perform a biopsy of this new lump. Surgery was performed and during the procedure the vet felt it was best to remove the entire mass. After tissue analysis, it was determined that Elke had cancer. The vet recommended chemotherapy as a follow-up to the surgery. I want to thank PetCare for the amazing coverage you provide and the very helpful staff you employ, it has made all the difference in the world during this difficult time. Making the claim was easy and I received my payment within days of making it. Your kind and helpful staff answered all my questions about coverage of chemotherapy. As I live in a high cost of living area, having Elke enrolled in PetCare helps me see the bigger picture; I can now make smart decisions on what treatments I can afford to give Elke. Elke has only one more treatment to go in her chemotherapy and so far she is doing well. Thanks PetCare. Client: Lara Sullivan Pet: Elke, Vizsla Condition: Cancer Claim Paid: $1,763.40 |
