PetCare Insurance
petcareinsurance.com
 

Understanding PetCare Insurance

Part of Loving is Protecting

In 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.

Examples

Examples of common veterinary treatments
and typical costs are as follows:
Dog / Cat Accident / Illness Amount
dog Motor vehicle accident $4,890.00
dog/cat Ingestion of foreign body $4,280.00
dog Cancer treatments $3,577.97
dog Bladder infection $2,768.00
dog Hip dysplasia $2,394.72
cat Fractured leg $2,309.00
cat Pneumonia $1,900.00
cat Diabetes $1,748.00

The Benefits of PetCare Insurance

Pets aged 8 weeks and older may enroll Cats and dogs over the age of 8 weeks may enrol into the PetCare Pet Insurance Programs, for the MasterCare Programs, enrolment 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 90% and 80% 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 enrolment application is approved, except illness coverage under the QuickCare Plus & MasterCare Programs which does not commence until 14 days following enrolment.
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 enrolment or which occur during the 14 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 enrol, 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, 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. This fee is waived if you pay on an annual basis.
Exclusions Chinese Shar-pei and Shar-pei cross-breeds are eligible for accident coverage only.
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:

Claim Examples



A 1 year old puppy
eats a sock -
Cost $1,800
  QuickCare First QuickCarePlus MasterCare 80% MasterCare 90%
 
Deductible $75 $100 $100 $100
Amount Paid $500 $1,700 $1,340 $1,520


A 4 year old cat
gets diabetes -
Cost $1,800
  QuickCare First QuickCare for Indoor Cats MasterCare 80% MasterCare 90%
 
Deductible $75 $200 $100 $100
Amount Paid $1000 $1,600 $1,340 $1,520


A 2 year old dog
gets an eye infection -
Cost $3,400
  QuickCare First QuickCarePlus MasterCare 80% MasterCare Complete 70%
 
Deductible $75 $100 $100 $100
Amount Paid $500 $2,000 $2,620 $2,280


A 3 year old dog
gets cancer -
Cost $6,500
  QuickCare Plus MasterCare 90% MasterCare Plus 90% MasterCare Premiere 90%
 
Deductible $100 $100 $100 $100
Amount Paid $2,000 $3,000 $5,000 $5,750


A 4 year old dog
gets heartworm medication -
Cost $80.00
  QuickCare Plus MasterCare 90% MasterCare Plus 90% MasterCare Complete 70%
 
Deductible - - - no deductible
Amount Paid no coverage no coverage no coverage $80.00

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 9:00pm (Mon-Fri)
9:00am to 6:00pm (Sat)

Administration Hours
(Eastern Time)
8:00am to 8:00pm (Mon-Fri)

* Please see program pages for Select Breed Charges


Protect Your Pet Today
After doing my research, I picked PetCare Insurance for my dog, Hugo, because not only do you offer many choices about costs and plans, you also offer an automatic monthly payment that is debited from my credit card - payments I hardly noticed! I also opted for the most extensive coverage; coverage I feel is not offered by other pet insurance companies. A few months after enrolling, I found some 'lumps and bumps' on Hugo that needed surgery. There was blood work, operating room expenses, lab fees and surgical fees. Following a report from my veterinarian, which I submitted to PetCare Insurance, I was reimbursed for all expenses per my policy and received this within a timely fashion. A few months after that, I had an accident resulting in a torn hamstring muscle and I was admitted to the hospital. Hugo was taken to a pet care facility and it was three weeks before I was able to resume caring for him. The cost was several hundred dollars. Fortunately, I'd chosen a plan with PetCare Insurance that reimbursed me for just this kind of occurrence; a situation I could never imagine happening! By the way, Hugo has just passed the national Delta Society qualifying test as a certified Therapy Dog. PetCare Insurance has made it possible for Hugo to give something back to the community, too!

Client: Rose Klevansky, Philadelphia  Pet: Hugo - Poodle - 8 years old   Conditions: Mass removal; boarding kennel fees
Claim Paid: $661.93