The Benefits of PetCare Pet Insurance Programs

Comprehensive coverage of veterinary fees.
Veterinary fees covered include but are not limited to: prescribed medication, X-rays, surgeries, hospitalization, ultrasounds, MRI/CAT scans, homeopathic treatments including acupuncture and chiropractic, chemotherapy, and referrals. Endoscopy is also covered in cases of foreign body ingestion requiring surgery.

Enroll your pet as early as 8 weeks of age.
Coverage for all PetCare Pet Insurance Programs can begin as early as 8 weeks of age. Once enrolled your pet can stay on PetCare Pet Insurance Program for life. For QuickCare and QuickCare for Indoor Cats, there is no upper age limit for enrollment. For QuickCare Gold and QuickCare Complete, enrollment is possible up to age 10 for cats, age 8 for dogs (6 for 'select' dog breeds).

Unlimited Accident Coverage.
PetCare Pet Insurance Programs provide coverage for an unlimited number of listed accidents, each covered to the maximum benefit as detailed in the policy Terms and Conditions. No maximum annual or lifetime accident benefit restrictions.

Flexible illness benefits.
QuickCare for Indoor Cats, QuickCare Gold, QuickCare Complete and QuickCare Senior provide flexible and accessible illness protection for your pet by covering a wide range of illnesses as detailed in the coverage charts. There are no maximum annual illness benefit restrictions, and you may choose when and how you use your illness benefits. The maximum benefit payable for each illness category is detailed in the coverage charts on the appropriate pages.

Your accident coverage begins immediately.
Accident Coverage begins at 12:01am the morning after your enrollment application is approved. There is a 30 day waiting period for Illness Coverage on QuickCare Gold and QuickCare Complete.

Fast claims turn-around.
Your claim will be processed within 7-10 business days of our receiving and approving your completed claim with supporting documentation.

We pay 100% of payable claims.
A PetCare Pet Insurance Program policy can pay 100% of all payable claims, less the fixed deductible up to your pet's coverage limit. The percentage reimbursed is detailed in the coverage charts on the appropriate pages.

Fixed premiums.
Premiums and deductibles do not automatically increase as your pet ages. Premiums are not higher when you sign up an older pet.

Guaranteed acceptance.
All breeds of dogs and cats are accepted. Medical records are required at the time of enrollment. Once enrolled your pet is guaranteed coverage for the rest of it's life, up to policy limits. Some conditions may apply*. Please see policy Terms and Conditions for details.

Pick your veterinarian.
With the PetCare Pet Insurance Programs, you can use the licensed veterinarian of your choice.

To keep your policy in force, take your veterinarian's advice.
We ask you to have your pet examined annually by your veterinarian and keep current with the vaccinations he/she recommends. It's a good way to keep your pet healthy, and it's also a condition of your continued PetCare Pet Insurance Program coverage.

There is a small “Select” breed surcharge for dogs covered by QuickCare Complete, QuickCare Gold, and QuickCare Senior.
Some breeds are more susceptible to certain illnesses, therefore QuickCare Complete, QuickCare Gold, and QuickCare Senior premiums are slightly higher for the following Select Breeds: American Staffordshire Terriers, Basset Hounds, Basenjis, Boxers, Bulldogs, **Bull Terriers, Dalmatians, Deerhounds, Doberman Pinschers, Dogue de Bordeaux, German Shepherds (including German Shepherds, King), All Greyhounds (including Italian Greyhounds), Great Danes, Irish Wolfhounds, Leonbergers, All Mastiff breeds, All Mountain Terriers/Dogs, Newfoundlands, Old English Sheepdogs, Peruvian Inca Orchid, Pharaoh Hounds, Pit Bull Terriers, Rottweilers, St. Bernards, Staffordshire Bull Terriers, Wheaton Terriers.
**Bull Terrier Group includes Pitbulls, American Staffordshire and Staffordshire Bull Terriers
*** Chinese Shar-pei and Shar-pei cross-breeds are eligible for accident coverage only. QuickCare Complete for Dogs, QuickCare Gold for Dogs and QuickCare Senior for Dogs are the only polices with a select breed surcharge.

Monthly Pay Plan Fee
For those who choose to pay their premiums on a monthly basis, a $2.00 service charge will be added to the monthly premium payable.This fee is waived for those who pay annually.

A common-sense exclusion to keep premiums affordable.
We cannot provide coverage for existing conditions, injuries, medical conditions and symptoms of concern that were evident prior to enrollment on a policy or which occur during the waiting period. Exclusions may be temporary or permanent.

Policy renewals.
Your policy is continuous provided your premium payments are up-to-date. Your policy can be canceled by you or by us, with proper notice as described in your policy Terms and Conditions. Claims will only be paid if your premium payments are up-to-date. We’re sure you’ll agree that PetCare Pet Insurance Program offer the best value and the best pricing, helping you protect your pet. Please seek the advice of your veterinarian.

Hereditary and Chronic Defects Coverage.
QuickCare Gold and QuickCare Complete policies offer coverage for chronic and hereditary defects, including hip dysplasia.

* 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.

*Cruciate Ligaments, Hip Dysplasia and Patella Luxation despite the cause are considered Bilateral Musculoskeletal Illness Conditions.