Purinacare : Purina Pet Insurance USA

Purinacare Purina Pet Insurance offers pet insurance that doesn’t follow a benefit schedule. Their deductible is annual, meaning that after you’ve paid the deductible, you won’t have to pay it again during the year.

Plus, if you have a hunting or guard dog, Purina can cover these dogs. Many plans do not cover hunting or guard dogs.

Purina Pet Insurance offers 3 plans with accident coverage only up to coverage for routine care such as annual vaccines.

Their website has lots of information about pet health. And it has a cool interactive questionnaire to find the company with plans that fit your needs. I am not sure how accurate their questionaire is however, as I’ve been comparing companies and some of the info they had for some of the companies seemed to be incorrect.

When I phoned purinacare, the lady, Kim, was very informative, polite and helpful.

There is a 48 hour waiting period before accident coverage starts and 14 days for illness.

Watch out:
One thing to keep an eye on though with Purinacare is that Pre-existing conditions are considered to be bi-lateral, meaning that if your pet has pre-existing left leg problem, and gets the same problem on their right side, then the right side won’t be covered.

Please also leave a  Pet Insurance Review for whichever company you end up choosing.

Snapshot Information Chart for Purinacare

Plan Accidents Deductible (annual) Max age limit to sign on Lifetime cover Price per month
Purina Care Accident only 20 000/ year (unlimited lifetime)NO ILLNESS COVERAGE 100 plus co-payment no n/a Dog: 12.50 Cat: 9.09
Purina Care 20 000/ year (unlimited lifetime) 100, 250, 500, or 1000 plus co-payment No Yes 14.37-77.08 Cat: 4.17-13.18 (20% co-payment option)
Purina Care plus Preventative care 20 000/ year (unlimited lifetime) 250, 500 or 1000 plus co-payment No Yes 18.42-83.62 Cat: 4.99-15.21 (20% co-payment option)

Purina Pet insurance also has a co-insurance that you have to pay. It is 20% for the accident only plan, or 20, 30 or 40% co-payment for the regular and Purinacare with preventative. The higher the co-payment, the lower your monthly bills.

Detailed coverage Chart for Purinacare

Purina Care Accident only Purina Care Purina care plus preventative care
Vet fees Accident and illness 20 000/ year (unlimited lifetime) NO ILLNESS COVERAGE 20 000/ year (unlimited lifetime) 20 000/ year (unlimited lifetime)
Routine Care Yes
Hereditary Conditions yes yes
Hip dysplasia yes yes
Death (replacement cost of pet)
Euthanasia Depending on situation Depending on situation Depending on situation
Boarding (if owner hospitalized)
Holiday (trip cancellation)
Cover Abroad no no no
Quarantine costs no no no
Behavioural problems See below See below
Prescription meds yes yes
Dental Annual polishing and scaling
Alternative treatment
Breeding, Fertility, Pregnancy
Medical devices (ex. Wheelchair for dog) probably probably probably
Lost/Stolen pet adds
Accidental Damage (tenant coverage)
Grooming and Bathing
Pet food, Nutritional supplements, vitamins, natural remedies

Vet fees- Illness or Accident
Routine/Preventative care- vaccinations, annual exam, spay/neuter, heartworm test and meds, teeth cleaning, and flea and de-worming meds, microchip inplant, preventative care urinalysis and blood panel.
Hereditary conditions- These are covered for both plans, but not the accident only plan.
Hip Dysplasia- This is covered in the purina pet insurance plans that cover illnesses.
Death- Will not cover replacement price of pet if dies.
Euthanasia and Cremation With Purina Pet Insurance, Cremation is not covered, however Euthanasia could possibly be covered, depending on the situation.
Boarding- is not covered.
Holiday- noting is covered if you have to cancel a vacation.
Cover abroad-not covered.
Quarantine Costs- are not covered.
Behavioural problems- For regular and plus plans with Purina Pet Insurance , behaviour therapy is covered for eligible conditions only (ex. Separation anxiety, thunderstorm phobia, fear biting).
Prescription Meds- is covered for the plans that cover illnesses, however they are not covered for the accident only plan.
Dental- cleaning is covered with the full purina pet insurance plan.
Alternative treatment- ( acupuncture, massage…)These sorts of treatments are not covered with Purina Pet Insurance.
Breeding, Fertility, Pregnancy-These are not covered with Purina Pet Insurance .
Medical devicesif medically necessary it is probably covered, however this one is a tough one and is on a case by case basis.
Lost/Stolen Pet Advertisements- are not covered.
Third party liability(dogs only) is not covered
Accidental Damage-is not covered.
Grooming and Bathing-are not covered with Purina Pet Insurance
Pet food, Nutritional supplements, vitamins, natural remedies Pet Foods, or nutritional supplements are not covered for any reason with Purina Pet Insurance.



Some Common Questions: 

Lifetime insurer (will Purinacare cover on going conditions throughout pets life) ? 
Yes. They do offer continuous coverage which renews annually.

Does Purinacare cover Hereditary or Congenital disorders?
Yes, they do cover hereditary conditions, but they do not cover congenital conditions.

Multipet: 5% off if have 2 pets, 10% if have 3 pets.

Any vet or specific vets only? After hours vets or in home vets? 
Yes, you can use any vet. And you can also go to afterhours vets and in home vets.

Can the vet be paid directly?  
No, the vet cannot be paid directly. You pay the vet, submit your claim and get a cheque in the mail.

If not, How quickly are claims processed? 
Normally it takes 10-14 days to process claims.

Does Purinacare cover examination fee (if it relates to the injury or illness) ? 
Yes, the examination fee is covered if your pet goes into the veterinarian for an injury or illness and you are able to claim for that injury or illness.

All breeds? 
Yes, all breeds are covered with no restrictions.

Do I stop getting coverage as my dog ages? 
You will get continuous coverage for your pet as it ages.

Does age affect monthly price (as my dog gets older will the monthly premium go up) ?  
Rate increases occur when your pet reaches the age of 5, 8, 10 years at the next renewal.

Does Purinacare put the monthly price up every year? By how much? 
The monthly price only increases with the ages mentioned in the above question.

Does Purina Pet Insurance serve all of the USA states? Is the monthly amount more depending on where I live? 
If you live anywhere in the USA, you can get coverage and the monthly amount may change depending on where you live.

Waiting period? 
48 hour waiting period for Accident insurance.14 day waiting period for Illness insurance.

Do rates increase with more claims/penalized for filing more claims? 

Maximum lifetime claim amount? 
There is no maximum lifetime claim amount.

What is the co-pay? 
Co-insurance is: 20 % for the accident only plan,And 20, 30 or 40% for the regular or purinacare with preventative care.

Extras included? 
None to note.

Money back guarantee? 
You can cancel your policy in the first 14 days of signing up as long as no claims have been made.



What Purinacare doesn’t cover – claims that are directly or indirectly related to:
• Pets under 8 weeks old
• Pre-existing conditions – pre-existing conditions are considered to be bi-lateral so if pet has a pre-existing problem with their right leg, and get the same problem on the other side, it won’t be covered.
• Treatment not recommended by a vet.

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


Check out other American Pet Insurance Companies.

24petwatch– another Pethealth corporation company!

AKC Pet Insurance– Offer Coverage in all 50 States!

Banfield Pet Insurance– Cheaper routine coverage spread out throughout the year to keep your regular vet prices low.

Companion Insurance– related to 24petwatch plans.

Embrace Pet Insurance – Very customizable plan! so you can adjust your plan based on deductible or monthly payment to fit your budget. Embrace Website

Healthy Paws Pet Insurance – More customizable plans created by people who love animals.

Pet Assure– pet insurance alternative so you ALWAYS have lower vet bills and your pet will even be covered with pre-existing conditions. Pet Assure Website

Pet Care Pet Insurance– HUGE assortment of plans to choose from.

Pet First insurance– same price policies for any breed of pet.

Corporation of Pethealth and all their other companies.

Pet Plan insurance – Excellent plans with upto 100% coverage!

Petsafe – Unlimited coverage at reasonable prices.

Pets Best Insurance – Travel to anywhere in the world with your pet and you’ll be covered! Or if you have a pregnant dog, this might be for you!

Quick Care – 5 plans, with one especially for Tenants!

Shelter Care – Great prices and excellent customer service.

Trupanion – one plan so it’s easy, you just have to pick the perfect deductible for you. Trupanion Website

VPI pet insurance– Originally created by Veterinarians, now covers your pet globally and will also cover Exotic pets and birds!

Click here to return from Purina Pet Insurance to see other pet health Insurance companies in the USA

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