• <!–[if !supportLists]–>What is Pet Insurance?

Pet Insurance is very similar to human health insurance, which offers a range of programs tailored to suit the needs of domestic pets. While pet insurance remains a relatively underdeveloped product in North America, with less than 1% of all pets being insured, European levels of insured pets range from 12% to 50%.

• <!–[if !supportLists]–> <!–[endif]–>Why do I need Pet Insurance?

Advances in the field of animal medicine have been exponential in past decades allowing veterinarians to successfully treat conditions that were previously considered untreatable. However with these advances comes an escalating cost of veterinary care. It is estimated that North American pet guardians now spend over $10 billion a year on health-care for their pets.

• <!–[if !supportLists]–>Consider these facts:

One in three pets will need emergency veterinary treatment every year. Two out of every three pets experience a significant health problem during their lifetime.

• <!–[if !supportLists]–>Is Pet Insurance really worth the cost of it?

Asking a question like “is pet insurance worth it” will be hard to answer. First of all you will need to decide what it takes in order for it to be “worth it”. One way to look at it would be to take the objective financial approach. Did you pay more, than the bills paid by the insurance company, for the insurance? If you did then one might be inclined to say that the pet insurance wasn’t worth it.

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<!–[if !vml]–><!–[endif]–>However you will easily be able to find people that will tell you that the insurance has been well worth it even though they have paid twice or three times the actual bill they received once their pets got injured or ill. Why is that? From an objective point of view that sounds ridiculous as the same amount saved over time would have been able to pay for the same services and there would still be something left.

But what if we imagine this situation: Your favorite pet dog has been part of your family for more than 6 years and your children have grown up with this dog being around and they love it like it was a brother or a sister. The one day you are taking your dog for a morning walk, it sees a squirrel and runs into the street and gets hit by a car. All the ribs are broken and a lung is punctured. If that wasn’t all, you have just paid for your vacation and your husband/wife lost his/her job just last week.Now you find yourself in a situation where you will either have to let your children’s favorite pet die or you’ll have to spend a fortune that you don’t have to have doctors try to save its life. Now, if you ask yourself the question: Is Pet Insurance Worth It (?), do you think that you might answer it a little bit different than if you were just looking at the financial aspect of things?If you’re thinking: “But I would have put that money aside” then I will congratulate you. You would be one out of a thousand that would. Fact is that most people live from day to day and do not put anything aside for their pets. So if you are part of the majority and you have a pet that you would like to keep alive and well until its time has come (age), then the answer to your question “Is pet insurance worth it” is a big YES! Your job is to make sure that you get the best possible coverage for the fee you pay.

If you are new to pet insurance or having pets you might not have heard of QuickCare Pet Insurance. Check out the benefits of having pet insurance like QuickCare Pet Insurance Program listed below before you make a decision to have or not to have.

• <!–[if !supportLists]–> <!–[endif]–>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.

• <!–[if !supportLists]–>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).

• <!–[if !supportLists]–>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

• <!–[if !supportLists]–>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.

• <!–[if !supportLists]–> <!–[endif]–>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.

• <!–[if !supportLists]–> <!–[endif]–>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.

• <!–[if !supportLists]–> <!–[endif]–>They 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.

• <!–[if !supportLists]–> <!–[endif]–>Fixed premiums.

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

• <!–[if !supportLists]–> <!–[endif]–>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 its life, up to policy limits. Some conditions may apply*. Please see policy Terms and Conditions for details.

• <!–[if !supportLists]–> <!–[endif]–>Pick your veterinarian.

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

• <!–[if !supportLists]–> <!–[endif]–>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.

• <!–[if !supportLists]–> <!–[endif]–>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 crossbreeds 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.

• <!–[if !supportLists]–> <!–[endif]–>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.

• <!–[if !supportLists]–> <!–[endif]–>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.

• <!–[if !supportLists]–> <!–[endif]–>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.

• <!–[if !supportLists]–> <!–[endif]–>Hereditary and Chronic Defects Coverage.

QuickCare Gold and QuickCare Complete policies offer coverage for chronic and hereditary defects, including hip dysplasia.<!–[if !supportEmptyParas]–> <!–[endif]–><!–[if !supportEmptyParas]–> <!–[endif]–>