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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 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 21 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 21 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 $1.50 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:
 A 1 year old puppy eats a sock - Cost $1,800 |
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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 $3,400 |
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A 3 year old dog gets cancer - Cost $6,500 |
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A 4 year old dog gets heartworm medication - Cost $80.00 |
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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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When I signed my cats up for PetCare insurance I had no idea how wonderful it would be. Nova had a urinary tract infection and required surgery. PetCare paid almost the entire amount of the surgery plus they paid all of the cost of the medications and prescription food. When I got my Brussels Griffon I immediately signed her up. Several months later she needed surgery for a luxated patella and PetCare paid all but my $100 deductible. This is the best and only pet insurance to buy....I told my vet about it and had PetCare send him brochures to put in his office and have recommended them to my family and friends. Client: Sari Remer |
