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Pet Care Insurance:
Most plans compared side by side on one page!

Trying to choose one plan is difficult with Pet care insurance, since many of the plans are very specific to certain illnesses or accidents.

Besides that, the website for Petcare pet insurance is very informative. It is worth checking out for more information.

Petcare insurance is one of many companies owned by the corporation of PetHealth.

In the UK, Pet care insurance is referred to as Pet protect, and in the USA it is referred to as 24 pet watch, but they’re all the same ‘company’, just with different names for different places.

The plans of Petcare are very complicated and not easy to figure out, so this page will definitely help you to clarify their plans.

Once you’ve read this page and want to visit their site, click here.

Please let me know what Pet insurance you end up getting and how my website helped you make an informed decision. Or leave a review. Thank you!



Snapshot Information Chart for DOGS for Pet care insurance
% indicates co-payment amount- click here to understand co-payments


PlanAccidentsIllnessDeductibleMax age to sign onLifetime coverPrice per month
Quick Care first (0%)$1000 Selected accidents2 new illness/yr$75 (annual)8wks- 5yrsNo$18.35
Tenant care (0%)$1000/ selected accidents$500/ illness, 2 per year$75 (annual)8wks- 8 or 6 years*No$18.35
Master care (20%/ 10%)$2500-6500/accident/ Unlimited$3-7000/category /$36-84000/ lifetime10-20% $0 and 100-250 depending on pet age. (annual)8wks- 8 or 6 years*No$46.95-62.60 / $64.75- 79.90
Master care complete (30%)$5000/ incident unlimited lifetime$5000/ incident $60 000 lifetime30% $0 and 100-250 depending on pet age** (annual)8wks- 8 or 6 years*No$65.95- 79.95
Master care premiere (20%/ 10%) $6500/ incident unlimited lifetime$7000/ incident $84000 lifetime10-20% and 100-250 depending on pet age** (annual)8wks- 8 or 6 years*No$86.35- 105.85 / $101.45-118.75
Quick care senior (0%)$500-2000/ select incidents$2000/ select incidents$0 select, $50 accident, $200 illness. (Per incident)NoneNo 
Quick care plus (0% under 8yrs, 20% after 8yrs)$500-2000 select accidents$2000/ incident$12 000 lifetime selected illnesses0-20% $0 and $100-250 depending on pet age (annual)8wks- 8 or 6 years*No$33.95- 43.15
Quick care optimum (10%)$2000 select accidents$1500 first time illness$100 (annual)8kws-6yrsNo$36.15
Emergency Care***$3000/ lifesaving incidents $50/ usage No$19.95/yr

*Max age limit (Master care (20%/ 10%)) *6 years for premium breeds (see below for list)
*Master care complete- *6 years for premium breeds
**Deductible- $0 for incidents such as: Routine care, Death, Boarding, lost/stolen pets, Euthanasia. $100 for dogs 5 years and under, $150 for dogs 5-10 years, $250 for dogs 10 years +.
***Emergency care is only for 24petwatch microchipped pets that are taken to a vet and require life saving treatment. It gives $3000 for life saving incidents and $250 for lost pet adds.
Co-pay- the smaller the co-pay, the higher the monthly fee. (ex. 10% co pay has a higher monthly fee)

Accidents are specific to the program:
Quick Care first- Foreign body ingestion, motor vehicle accidents, Bone fracture, defined poisoning incident, Lacerations, burns, allergic reaction to insect bites.
Tenant Care- same as Quick care plus, but with damage to rental property coverage.
Quick Care Senior - Same as Quick Care first, but also with Bite wound and bite wound abscesses.
Quick Care plus- Foreign body ingestion, motor vehicle accidents, defined poisoning incident, Lacerations, burns, bone fractures, allergic reaction to insect bites, Bite wound and bite wound abscesses.


Detailed coverage Chart for DOGS for Pet care insurance

Quick Care firstTenant care (0%)Master care (20%/ 10%)Master care complete (30%)Master care premium (20%/ 10%)Quick care seniorQuick care plus (0% pets less than 8 or 6*), over= 20%Quick care optimum
Vet fees Accident $1000 Selected accidents$1000/ selected accidents Unlimited$2500-6500/ accident/ Unlimited$5000/ incident unlimited lifetime$6500/ incident unlimited lifetime$500-2000/ select incidents$500-2000 select accidents$2000 select accidents
Vet fees- Illness2 new illness/yr$500 each, 2 new illness/yr$3-7000/ category /$36-84000/ lifetime$5000/ incident $60 000 lifetime$7000/ incident $84000 lifetime$2000/ select incidents$2000/ incident $12,000 lifetime selected illnesses$1500 first time illness
Routine Care---$150 ---$150
Hereditary ConditionsYes (claim limit)yesyesyesyesyesyesyes
Hip dysplasiayesyesyesyesyesyesyesyes
         
Death--$500-800$500 $500 $500 $500 -
Euthanasia and Cremation$100 $100 -$100 $100 $100 -$100 (and cremation)
         
Boarding--$250-800$250 $800 $250 --
Holiday--$500-2000-$2,000 $500 --
Cover Abroadyesyesyesyesyesyesyesyes
         
Behavioural problems--------
Prescription medsyesyesyesyesyesyesyesyes
Dental-------Yes- scale and polish only
Alternative treatmentyesyesyesyesyesyesyesyes
Breeding, Fertility, Pregnancy--------
Medical devices--------
Lost/Stolen pet adds$150 $150 $150-500$150 $500 $150 -$150
Third party liability (dogs only)--------
Accidental Damage-$700 to a rental unit------
Grooming and Bathing--------
Pet food, Nutritional supplements, vitamins, natural remediesyesyesyesyesyesyesyesyes

Vet fees- Illness or Accident
Accidents are specific to the program:
Quick Care first- Foreign body ingestion, motor vehicle accidents, Bone fracture, defined poisoning incident, Lacerations, burns, allergic reaction to insect bites.
Tenant Care- same as Quick care plus, but with damage to rental property coverage.
Quick Care Senior - Same as Quick Care first, but also with Bite wound and bite wound abscesses.
Quick Care plus- Foreign body ingestion, motor vehicle accidents, defined poisoning incident, Lacerations, burns, bone fractures, allergic reaction to insect bites, Bite wound and bite wound abscesses.

Routine/Preventative care- vaccinations, annual exam, spay/neuter ($0 deductible)
Hereditary conditions- are covered.
Hip Dysplasia- are covered as long as it’s not a pre-existing condition when the pet signs on.
Death- Will cover replacement price of pet if dies from accident ($0 deductible). Covered for all plans except: Quick care first, Tenant care, Quick care optimum.
Euthanasia and Cremation is covered for all plans except: Master Care, Quick Care Plus
Boarding - If you go to hospital for more than 48hrs ($0 deductible). Boarding is not covered for Quick care first, Tenant care, Quick Care Optimum or Quick Care Plus.
Holiday- cancel holiday due to pet accident where it needs life saving ($0 deductible). Holiday is not covered for Quick care first, Tenant care, Quick Care Optimum or Quick Care Plus.
Cover abroad- USA only and Canada. 6 months to USA only
Behavioural problems- are not covered for any plan.
Prescription Meds- are covered for all plans if they relate to the incident.
Dental- only covered for Quick Care Optimum.
Alternative treatment- is covered for all plans.
Breeding, Fertility, Pregnancy – not covered under any plan.
Medical devices – not covered under any plan.
Lost/Stolen Pet -Advertising to find pet if lost/stolen/strays ($0 deductible). Covered for all plans except Quick care plus.
Third party liability(dogs only)- not covered under any plan.
Accidental Damage- only covered for tenant care plan.
Grooming and Bathing- not covered under any plan.
Pet food, Nutritional supplements, vitamins, natural remedies- are covered under all plans.


Snapshot Information Chart for CATS for Pet care insurance

PlanAccidents IllnessDeductibleMax age limit to sign onLifetime coverPrice per month
Quick Care first (0%)Selected accidents$500x2 total/yr$75 5yrsNo$15.00
Tenant Care (0%)$1000/ selected accidents$500/ illness, 2 per year$50 8wks- 10 years*No$17.25
Master care (20%/ 10%)$2000-6000/accident/ Unlimited$2.5-6500/category /$30-78000/ lifetime10-20% $0** and 100-250 depending on pet age8wks- 10 years*No$25.35- 32.35
Master care complete (30%)$5000/ incident unlimited lifetime$5000/ incident $60 000 lifetime30% $0** and 100-250 depending on pet age8wks- 10 years*No$39.95
Quick care senior (0%$500-2000/ select incidents$2000/ select incidents$0** select, $50 accident, $200 illness8 wks +No 
Quick care Indoor cats $500- 2000 select accidents$2000/ incident selected illnesses$0 and $50-2008wks+No$13.95
Quick care optimum (10%)$2000 select accidents$1500 first time illness$0 or $1008kws-6yrsNo$31.25
Master Care Premier (20%/ 10%)$6000/ accident Unlimited$6500/ illness $78000 lifetime$100- 250*8wks- 10 years*No$43.15-50-70


* Maximum sign on age for cats depends on the plan, some plans have a maximum sign on age of 5 to 10 years old or no maximum age limit.
**Deductible-$100 pets under 5, $150 pets 5-10, $250 pets 10+



Detailed coverage Chart for Cats for Pet care insurance
(italics is the difference between cat and dog plans)


Quick Care firstTenant CareMaster care (20%/ 10%)Master care complete (30%)Quick care seniorQuick care Indoor cats (0% pets less than 8 or 6*), over= 20%Quick care optimum (10%)Master Care Premier (20%/ 10%)
Vet fees Accident Selected Accidents only*$1000/ selected* accident, unlimited$2000-6000/accident/ Unlimited$5000/ incident unlimited lifetime$500-2000/ select incident$500-2000 select accidents$2000 select accidents$6000/ accident Unlimited
Vet fees- IllnessIllness- $500x2 total/yr$500 each, 2 new illness/yr$2.5-6500/category /$30-78000/lifetime$5000/ incident $60 000 lifetime$2000/ select incident$2000/ incident selected illnesses$1500 first time illness$6500/ illness $78000 lifetime
Routine Care---$150 --$150 -
Hereditary ConditionsYes (claim amount)yesyesyesyesyesyesyes
         
Death--$500-800$500 $500 --$500
Cremation and Euthanasia$100 $100 -$100 $100 $100 $100 (and cremation)$100
         
Boarding--$250-800$250 $250 --$800
Holiday--$500-2000-$500 --$2,000
Cover Abroadyesyesyesyesyesyesyesyes
         
Behavioural problems--------
Prescription medsyesyesyesyesyesyesyesyes
Dental-------Yes- scale and polish only
Alternative treatmentyesyesyesyesyesyesyesyes
Breeding, Fertility, Pregnancy--------
Medical devices--------
Lost/Stolen pet adds$150 $150 $150-500$150 $150 -$150 $500
Third party liability--------
(dogs only)        
Accidental Damage-$700 ------
Grooming and Bathing--------
Pet food, Nutritional supplements, vitamins, natural remediesyesyesyesyesyesyesyesyes


Vet fees- Accidents- *Selected Accidents- Foreign Body Injestion, Motor Vehicle accident, Bone Fractures, Defined Poison Injestion, Lacerations, Burns, Allergic Reactions to Insect bites.Illness

Routine/Preventative care vaccinations, annual exam, spay/neuter ($0 deductible)
Hereditary conditions- are covered.
Death- Will cover replacement price of pet if dies from accident ($0 deductible). Covered for all plans except: Quick care first, Tenant care, Quick Care Optimum or Quick Care Indoor Plus.
Euthanasia and Cremation - is covered for all plans except: Master Care.
Boarding- If you go to hospital for more than 48hrs ($0 deductible)Boarding is not covered for Quick care first, Tenant care, Quick Care Optimum or Quick Care Indoor Plus.
Holiday- cancel holiday due to pet accident where it needs life saving ($0 deductible). Holiday is only covered for Master Care, Quick Care Senior, Master Care Premier.
Cover abroad--- USA only and Canada. 6 months to USA only.Behavioural problems- are not covered for any plan.
Prescription Meds-- are covered for all plans if they relate to the incident.
Dental-- only covered for Master Care Premier.
Alternative treatment-( acupuncture, massage…)- is covered for all plans.
Breeding, Fertility, Pregnancy- not covered under any plan.
Medical devices- not covered under any plan.
Lost/Stolen Pet-- Advertising to find pet if lost/stolen/strays ($0 deductible). Covered for all plans except Quick Care Indoor cats.
Third party liability(dogs only) - not covered under any plan.
Accidental Damage- damage to rental property from pet. - only covered for tenant care plan.
Grooming and Bathing- not covered under any plan.
Pet food, Nutritional supplements, vitamins, natural remedies- are covered under all plans.



Some Common Questions for Pet care insurance :


Is Pet care insurance a Lifetime insurer? They will never cancel coverage, however, their plans are not lifetime plans. Once you reach the coverage limit for a condition it is no longer covered.

If you want to better understand Lifetime Pet Insurance, check out this page!

Discounts with Pet care insurance?
Microchippng- if your pet is micro chipped you save 5%.
Multipet- 5-10%
Medical service pet- 10%
Group benefit discount- 10%

These Discounts cannot be accumulated with Pet care insurance.

Any vet or specific vets only? After hours vets or in home vets?
Any, yes

Can the vet be paid directly?
Generally speaking- No. Pet care insurance will reimburse you after you pay the vet, however they can make a special arrangement with the vet if the vet agrees and if necessary.
Also, if your vet uses EVE (run through PetHealth), you only have to pay the excess at the vet (deductible and your part of the co-pay).

How quickly are claims processed with Pet care insurance?
7-10 day turnaround on claims.
If your vet uses EVE, you only have to pay the excess at the vet, and they will pay the vet the rest.

Does Pet care insurance cover examination fee?
Yes, if related to the accident or illness.

All breeds?
Yes, however there is a list at the bottom of the breeds that can only be insured before they turn 6 years old.

Do I stop getting coverage as my dog ages?
No, they are a lifetime insurer, so will insure pet throughout life.

Does age affect monthly price with Pet care insurance?
Monthly premiums do not increase as pet ages.

Do you put the monthly premium up every year? By how much?
No, they try to keep the monthly premium low and so it is only raised with inflation and so not by very much.

Does Pet care insurance serve all of Canada? Is the monthly amount more depending on where I live?
Yes, Pets from All provinces are covered aswell as travel to the USA.
The monthly premium is not affected by where you live.

Waiting period for Pet care insurance?
Depends on the plan.- please contact them for each particular plan to know when your coverage starts after signing up.

Do rates increase with more claims/penalized for filing more claims?
No- you can claim as often as your pet is sick or injured and not be penalized.

Maximum lifetime claim amount?
Accident coverage does not have a lifetime claim amount, however, for some plans, illness has a maximum lifetime amount. This depends on the plan.

What is the co-pay with Pet care insurance?
The co-payment is 0-30% depending on the plan and the choice you make.

To understand co-payment and deducible click here

Extras included?
None to take note of.

Money back guarantee?
Within the first 10 days you can cancel your insurance without payment as long as you don’t have any claims.




What Pet care insurance doesn’t cover,
Claims that are directly or indirectly related to:

• Pets under 8 weeks old
• Pre-existing conditions
• No coverage for activities that result from: racing, breeding, hunting, law enforcement

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.





Premium breed list for Pet care insurance:
These are the breeds of dogs that can only sign on before they are 6 years old.
-Alano Espanol
-Alapaha Blue Blood Bulldog
-Alpine Dachsbracke
-American Bandogge Mastiff
-American White Shepherd
-Appenzeller Sennenhunde
-Azawakh
-Basenji
-Basset Hound
-Berger des Pyrénées
-Bernese Mountain Dog
-Boerboel
-Boxer
-Braque Francais Pyrenees
-Bulldog, American
-Bulldog, English
-Bullmastiff
-Cane Corso
-Caucasian Mountain Dog
-Central Asian Outcharka Shepherd
-Chinese Shar-Pei (Note: The Chinese Shar-Pei is eligible for accident coverage only with Pet care insurance.)
-Dalmatian
-Deerhound, Scottish
-Doberman Pinscher
-Dogue de Bordeaux
-Dosa Inu
-Dutch Sheepdog
-English Mastiff
-Entlebucher Mountain Dog
-Estrela Mountain Dog
-Fila Brasileiro
-French Bulldog
-German Shepherd
-German Shepherd, King
-Great Dane
-Great Pyrenees
-Greater Swiss Mountain Dog
-Greyhound
-Griffon Vendéen, Grand Basset
-Irish Wolfhound
-Italian Greyhound
-Landseer; Leonberger
-Mastiff
-Mee Kyun Dosa
-Neapolitan Mastiff
-Newfoundland
-Old English Sheepdog
-Perro de Presa Canario
-Peruvian Inca Orchid
-Pharaoh Hound
-Rottweiler
-Saint Bernard
-Sloughi
-Terrier, American Staffordshire
-Terrier, Bull
-Terrier, Miniature Bull
-Terrier, Pit Bull
-Terrier, Soft Coated Wheaten
-Terrier, Staffordshire Bull
-Tibetan Mastiff
-Tosa




If you want to contact Pet care insurance call 1-888-897-PETS (7387)Hours 8-12am EST Mon- Fri, or 10am-8pm EST Saturday

Please let me know if this website or page on Pet care insurance has helped you.
I’d love to hear what insurance you decide to hear your successful healthy pet stories! Or, leave a review with your true experience.




Check out other Canadian Pet Insurance Companies:

Cherry blue pet insurance- 3 simple plans- basic, ultimate and in the middle.

PC Insurance- 5 plans all reasonably priced!

Corporation of Pethealth and all their other insurance companies

Purina pet insurance - 3 simple but comprehensive plans so it’s easy to choose.

Ontario spca pet insurance - 5 plans for Ontario Residents

Trupanion pet insurance- one plan so it’s easy, you just have to pick the perfect deductible for you.

Vet insurance- powered by Trupanion.

Pet Insurance Terminology - all the complicated terminology explained simply and easily




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