Shelter Care Pet Insurance: Friendly service, decent prices.

Reasonable prices and friendly service.

Shelter Care Pet Insurance is one of the friendliest Pet Health Insurance companies in the United States.

When I phoned Sheltercare Pet Insurance to find out more information, I talked with two different people- Haley (extension 261), and Will (extension 108). They were both super friendly, and very nice to talk to on the phone. I really enjoyed phoning. They were curious, informative and nice.

They offered other benefits on the phone that aren’t available on the internet.

Shelter Care Pet Insurance is run through PetHealth and so offer other programs through other companies in the USA, Canada and UK. Some of these plans have similar offerings, but under different names.

This page is for the United States for Sheltercare.

Shelter Care Pet Insurance covers hereditary and congenital illnesses as long as they’re not pre-existing.

Plus, there is No waiting period for accidents.

Overall, their plans are well priced and they have great customer service.

The only problem is that they have lifetime limits for illness.

Below, you will find 2 tables. The first one is an overview that shows the approximate monthly payment as well as the basic coverage. The second table shows the more detailed coverage. I also have answered many important questions at the bottom of this page.

Check out the reviews on USA Pet Insurance companiesor leave one yourself.

Snapshot Information Chart for Shelter Care Pet Insurance
% indicates Co-payment. click here to understand co-payments 

Plan Accidents Illness Deductible (per incident) Max age limit to sign on Lifetime cover Price per month
Basic (30%) $1500/incident, unlimited lifetime $1500/category, $18000 lifetime $100 none No Dog: $25.95- 29.95 Cat: $17.95
Forever (30%) $3000/incident, unlimited lifetime $3000/category, $36000 lifetime $100 none No Dog: $31.95- 45.95 Cat: $19.95
Preferred (30%) $5000/incident, unlimited lifetime $5000/category, $60000 lifetime $100 none No Dog: $46.95- 63.95 Cat: $26.50

They charge and extra $2/month if you pay per month.

What do they mean by category?
12 different categories for different types of illnesses. Each renews each year.

Detailed coverage Chart for Shelter Care Pet Insurance

Basic Forever Preferred
Vet fees Accident $1500/incident, unlimited lifetime $3000/incident, unlimited lifetime $5000/incident, unlimited lifetime
Vet fees- Illness $1500/category, $18000 lifetime $3000/category, $36000 lifetime $5000/category, $60000 lifetime
Routine Care
Hereditary Conditions Yes Yes Yes
Hip dysplasia Yes Yes Yes
Death (replacement cost of pet) $500 $500 $500
Euthanasia and cremation $100 $100 $100
Boarding (if owner hospitalized) $250 $250 $250
Holiday (trip cancellation)
Cover Abroad Canada Canada Canada
Behavioral problems
Prescription meds Yes Yes Yes
Dental (not teeth cleaning)
Alternative treatment yes yes yes
Breeding, Fertility, Pregnancy
Medical devices (ex. Wheelchair for dog) Depends on illness Depends on illness Depends on illness
Lost/Stolen pet adds $150 $150 $150
Third party liability (dogs only)
Accidental Damage (tenant coverage)
Grooming and Bathing
Pet food, Nutritional supplements, vitamins, natural remedies Yes if diagnosed and recommended by vet. Yes if diagnosed and recommended by vet. Yes if diagnosed and recommended by vet.

Vet fees- Illness or Accident
Routine/Preventative care- (vaccinations, annual exams etc.) not covered.
Hereditary conditions- are covered.
Hip Dysplasia- are covered.
Death- Will cover upto $500 replacement price of pet if dies from accident.
Euthanasia and Cremation – upto $100 is covered towards this.
Boarding- is covered, upto $250 if you have go to hospital.
Holiday- is not covered.
Cover abroad- is covered if you go to Canada.
Behavioral problems- are not covered.
Prescription Meds- are covered.
Dental– are not covered.
Alternative treatment- Treatment such as hydrotherapy, acupuncture, physiotherapy, and herbal and homeopathic medicine are covered if recommended by a vet.
Breeding, Fertility, Pregnancy– not covered.
Medical devices– may be covered, depending on illness.
Lost/Stolen Pet – upto $150 to spend towards lost and stolen pet ads.
Third party liability(dogs only) – not covered.
Accidental Damage– not covered.
Grooming and Bathing– not covered.
Pet food, Nutritional supplements, vitamins, natural remedies– are covered if recommended by a vet.



Some Common Questions:

Lifetime insurer (will they cover on going conditions throughout pets life)? 
They will continue to insure your pet for an ongoing illness up to the maximum per category. However they are not a true ‘lifetime plan’.

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

10% for 3 or more pets.
5% for 2 pets (1 cat, 1 dog).
5% for pets registered with 24petwatch.
10% for medical service pets.
Discount if you work for animal welfare organization or vets.

Any vet or specific vets only? After hours vets or in home vets? 
Any licensed vet of your choice in North America.

Can the vet be paid directly?  
Yes, if your pet is an EVE partner.

If not, How quickly are claims processed with Shelter Care Pet Insurance? 
5-10 business days.

Do they cover examination fee (if it relates to the injury or illness)? 
If it ends up being diagnosed and covered then the examination fee will be included in the re-payment.

All breeds? 
Yes, All Breeds are covered with Shelter Care Pet Insurance.

Do I stop getting coverage as my dog ages? 

Does age affect monthly price (as my dog gets older will the monthly premium go up)?  

Do they put the monthly price up every year? By how much? 
The prices increase with inflation.

Does Shelter Care Pet Insurance serve all of USA? Is the monthly amount more depending on where I live? 
Yes. No.

Waiting period? 
Accident starts the following day.
30 day for illness.

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

Maximum lifetime claim amount? 

What is the co-pay? 
30%. If you phone to order, they may offer plans with a better co-payment.

Extras included? 
None to note.

Money back guarantee?  
No, but you only sign on for month to month, so you are not locked in for a year.



What Shelter Care Pet 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: breeding.
• 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.


If you want to contact Shelter Care Pet Insurance, please phone: 1-866-375-73878:00am to 9:00pm (Mon-Fri) 9:00am to 6:00pm (Sat) (Eastern Time).

And, please come back and leave a review! Thank you.


Check out other American Pet Insurance Companies.

24petwatch– another Pethealth corporation company!

AKC Pet Insurance– Offer Coverage in all 50 States!

ASPCA Pet Health Insurance– 10% of your purchase goes towards helping shelter animals.

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

Companion Insurance– 2 plans to choose from.

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

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 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!

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

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

Pet Insurance Terminology – all the complicated terminology explained simply and easily.


Click here to return from Shelter Care Pet Insurance to Pet Insurance USA

Click here to return from Shelter Care Pet Insurance to Pet Health Insurance (home)

Leave a Reply

Your email address will not be published. Required fields are marked *