|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)|
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)|
|Death (replacement cost of pet)||-||-||-|
|Euthanasia||Depending on situation||Depending on situation||Depending on situation|
|Boarding (if owner hospitalized)||-||-||-|
|Holiday (trip cancellation)||-||-||-|
|Behavioural problems||-||See below||See below|
|Dental||-||-||Annual polishing and scaling|
|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||-||-||-|
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.
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.
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.
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.
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.
Trupanionone 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!