Compare VetCare Health Pet Insurance

Comparison Fact Sheet

To get the most from these sheets, please read the Guide to Pet Insurance first.

Please Note:
VetCare Health is no longer in business.



Company Info
Company Name VetCare Health
Also Known As / Affiliates / Partners  
Address 240 Leigh Farm Road, Suite 215
Durham, NC, 27707-8101
Phone 1-800-838-2273
Website www.vetcarehealth.com
Plans That Provide Both Accident and Illness Coverage VetCare Health Accident & Illness Plan*
States Covered Not available in all states as of yet
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Lyndon Southern Insurance Company, Response Indemnity Company of California or Insurance Company of the South.

Lyndon Southern Insurance Company has an AM Best Financial Strength of "B++" and an Outlook of "Stable" as of 9/1/15.

Response Indemnity Company of California has an AM Best Financial Strength of "NR" (Not Rated) as of 9/1/15.

Insurance Company of the South has an AM Best Financial Strength of "B++" and an Outlook of "Stable" as of 9/1/15.

For the most recent ratings go to: AM Best and enter the name of the underwriter in the box labeled 'Text'.
Year Company Started 2015

 

Policy Basics
Policy Term ?
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age ?
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 21 days after the policy effective date for illness

3 days after the policy effective date for accidents/injuries

Contact VetCare Health to see if there are any additional waiting periods.
Waiting Period for Cruciate Injury ?
Coverage When Travel Out of State or Country? Choose any licensed veterinarian. It is not clear if you have coverage if out of country.
Can the Price of the Policy Increase as my Pet Ages? ?
Does Coverage Stop Due to Age? ?
What Happens when the Policy Renews? ?
Can the Price of the Policy Increase if a Claim is Filed? ?
Choice of Vet? Choose any licensed veterinarian. It is not clear if you have coverage if out of country.
Money Back Guarantee? If you change your mind within 30 days they will refund your money in full as long as you have not filed a claim.
Surcharge for Visiting a Specialist or Emergency Clinic? ?
Referral needed to Visit a Specialist? ?
Pre-certification Required? ?
Additional Requirements **See actual policy or call VetCare Health for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? You must call to request a policy

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Illness -
Baseline Coverage
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Behavioral Therapy Coverage [NO]
Alternative Therapy Coverage [INCLUDED]

**See actual policy or call VetCare Health for any limitations on Alternative Therapy Coverage.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

A pre-existing condition is "...any Illness or Injury which occurred or existed, whether or not diagnosed, prior to the original effective date or during the applicable Waiting Period as shown on the SCHEDULE OF BENEFITS."

**See actual policy or call VetCare Health for complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage [OPTIONAL]

To get hereditary and congenital coverage, you must purchase their Hereditary and Congenital Conditions Coverage addon.

It is not clear whether or not congenital issues are covered.

**Contact VetCare Health to see if there are any additional limitations or waiting periods associated with this addon.
Continual Coverage for Chronic Conditions Their Continual Coverage for Chronic Conditions policy is unclear.
Chronic Conditions Policy Their Continual Coverage for Chronic Conditions policy is unclear.
Cancer Coverage [INCLUDED] Cancer conditions are covered if they are not pre-existing and have not occurred during the waiting period.

Cancers that are considered to be hereditary or genetic may not be covered unless you purchase their Hereditary and Congenital Conditions Coverage addon.

(See 'Chronic Conditions Policy' section above)
Cancer Coverage Limits Their Continual Coverage for Chronic Conditions policy is unclear.
Hip Dysplasia [OPTIONAL]

To get hip dysplasia coverage you must purchase their Hereditary and Congenital Conditions Coverage addon.

(See 'Hereditary & Congenital Conditions Coverage' section above)
Prescription Drug Coverage [INCLUDED]

Pregnancy Coverage [NO]
Routine/Wellness Coverage [OPTIONAL] For Routine/Wellness coverage you must purchase their Preventative Care Addon.

**See actual policy or call VetCare Health for complete description of their Wellness Coverage.
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Routine) [OPTIONAL] See Routine/Wellness Coverage above for details

**See actual policy or call VetCare Health for complete description
Dental Care (Illness/Accident) Dental coverage only for broken permanent teeth as a result of a covered accident.

**See actual policy or call VetCare Health for full list of inclusions and exclusions.
Bilateral Conditions Policy VetCare Health does not place restrictions on bilateral conditions. There are no waiting period other than the 21 day illness and a three-day accident waiting period for their base plan.
Coverage - Overview
(please read policy for full coverage details)
Diagnostics and treatments due to illness and accidents.

[Included] Alternative Therapy Coverage, Cancer Coverage, Prescription Drug Coverage, Dental Illness/Accident (limited). (Refer to each category's section for limitations)

[Optional] Routine/Wellness Care, Routine Dental Care, Hereditary/Congenital coverage (Refer to each category's section for limitations)

**See actual policy or call VetCare Health for full list of inclusion, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Conditions that occur during the waiting period
  • Pregnancy
  • Obesity not due to a medical conditions
  • Any condition that occurs in an unsterilized pet that could have been prevented by sterilization of your pet.
  • Age-related changes to your Pet's eyes or ears Injury brought on, directly or indirectly, by an Illness
...See policy for a complete listing

 

How The Policy Works
Co-pay You can choose from 60%, 65%, 70%, 75%, 80%, 85%, 90%
Deductible Annual deductible.

You can choose from $100, $200, $300, $400, $500 per year.
Flat Deductible vs % Deductible Flat Deductible
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined UCR
Max Payout Annually $12,000 per year
Max Lifetime Payout It is not clear if there is a lifetime max payout for illness.

It is not clear if the lifetime max payout for accidents is $3,000 per incident or $3,000 total.
Max Payout per Incident Illness - $3,000 per illness, per year

Accident - $3,000 per incident
Max Payout Based on Body System VetCare Health does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $11 - $80 depending on the deductible, co-pay, annual max you pick, age of pet, optional add ons, etc.

 

Additional Info
Get A Quote  
My Review VetCare Health Review
What are Customers Saying? PetInsuranceReview.com
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts applies to VetCare Health pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact VetCare Health for details on that policy.

**Disclaimer:
These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by calling the company or reading the most current policy. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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