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Compare PurinaCare® Pet Insurance
Comparison Fact Sheet
To get the most from these sheets, please read
the Guide to Pet Insurance
first.
Note: PurinaCare is No Longer in Business as of May 1st, 2013
They are transferring their policyholders to PetHealth Inc., the owner of 24PetWatch Pet Insurance. If you have a PurinaCare policy, contact
PurinaCare to see how this transfer will affect you at renewal time. Questions to ask: Will you have the same medical and monetary coverage or will it be reduced? Will your premium go up?
Company Name |
PurinaCare Insurance Services, Inc. |
Also Known As |
PurinaCare® |
Address |
P.O. Box 599500
San Antonio, Texas 78259-9500 |
Phone |
1-877-8PURINA (878-7462) |
Website |
www.purinacare.com |
Plans That Provide Both Accident and Illness Coverage |
PurinaCare® Plus Preventative Care; PurinaCare®
Without Preventative Care |
States Covered |
All 50 states, including DC |
Underwriter and AM Best Financial Strength Rating |
All new insurance plans are underwritten by Central States Indemnity Co. of Omaha, a subsidiary of
Berkshire Hathaway.
Central States Indemnity Co. of Omaha has an AM Best Financial Strength
Rating of "A+" and an Outlook of "Stable" as of 4/1/13.
For the most recent ratings go to: AM
Best and enter the name of the underwriter in the box labeled 'Text'.
|
Year Company Started |
2008 |
Policy Term |
12 months |
Effective Date |
The Effective Date will be listed on the Declarations
Page of your policy after you apply and are accepted. |
Enrollment Age |
Pet must be at least 8 weeks of age |
Cancellation Policy |
Ask for a current copy of their insurance policy so that you may review their cancellation policy |
Waiting Period |
48 hours after the policy effective date for
accidents
14 days after the policy effective date for illness
No waiting period for preventive care (Routine/Wellness Care) if you
have the PurinaCare® Plus Preventative Care Plan |
Waiting Period for Cruciate Injury |
14 days after the policy effective date |
Coverage When Travel Out of State or
Country? |
Out of State Coverage - You WILL be covered while traveling to other states with your pet.
Out of Country Coverage - You WILL NOT be covered when traveling to another country with your pet |
Can the Price of the Policy Increase as my Pet Ages? |
Yes, the policy premium can increase as your
pet ages. The premium may also increase due to inflation or other reasons.
Contact the company for more information on when and how your premium may increase. |
Does Coverage Stop Due to Age? |
No |
What Happens when the Policy Renews? |
Chronic conditions will continue to be covered
each year as long as you do not go over your Annual Maximum Payout
for that year (See 'Max Payout Annually' section below) |
Can the Price of the Policy Increase
if a Claim is Filed? |
No |
Choice of Vet? |
You can choose any licensed veterinarian in
the US |
Money Back Guarantee? |
If you change your mind within 14 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? |
No |
Referral needed to Visit a Specialist? |
No |
Pre-certification Required? |
No |
Additional Requirements |
**See actual policy or call PurinaCare®
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? |
Sample policy available online
(Click on the links at the bottom of that page to view the policies for your state)
|
Species Covered |
Dogs and Cats |
Accident/Injury - Baseline Coverage |
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
|
Illness - Baseline Coverage |
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
|
Behavioral Therapy Coverage |
[INCLUDED] Behavior Therapy for eligible conditions is covered. Behavioral Therapy is covered only
if prescribed and administered by a licensed veterinarian in a clinical
setting.
Training is not covered, even if prescribed or performed by a licensed veterinarian
**See actual policy or call PurinaCare® for any additional limitations
on Behavioral Therapy Coverage
|
Alternative Therapy Coverage |
[INCLUDED] Alternative Therapy is covered only
if prescribed and administered by a licensed veterinarian in a clinical
setting.
**See actual policy or call PurinaCare® for any additional limitations
on Alternative Therapy Coverage. |
Pre-existing Conditions Policy |
Pre-existing conditions are not covered.
According to their sample policy for their newer plans,
"Pre-existing Condition means any Condition that prior to Your initial Policy Effective Date or prior
to any new Policy Effective Date following a lapse in coverage (i) was present, contracted, or which
first became evident for which a Veterinarian may or may not have been consulted or for which
treatment or medication was or was not prescribed or (ii) for which a reasonable person would have
sought veterinary care."
**See actual policy or call PurinaCare® for complete description of pre-existing
conditions. |
Hereditary & Congenital Conditions Coverage |
[INCLUDED] Hereditary and congenital conditions
are covered as long as your pet is not showing signs and the disease
has not been diagnosed or suspected prior to enrollment or during
the waiting period. |
Continual Coverage for Chronic Conditions
|
[INCLUDED] Continual coverage for chronic conditions
is included with the policy.
Chronic conditions are covered up to the annual maximum payout per
policy year. (See 'Max Payout Annually' section below) |
Chronic Conditions Policy |
Chronic conditions are covered up to the annual
maximum payout per policy year. (See 'Max Payout Annually' section
below)
Chronic conditions are covered if they are not pre-existing and have
not occurred during the waiting period.
**See actual policy or call PurinaCare® for complete description
of their Chronic Conditions Policy. |
Cancer Coverage |
[INCLUDED] Cancer conditions are covered if they are not
pre-existing and have not occurred during the waiting period.
(See 'Chronic Conditions Policy' section above) |
Cancer Coverage Limits |
Cancer conditions are covered as long as you
have not gone over your annual maximum annual payout per policy year.
(See 'Max Payout Annually' section below) |
Hip Dysplasia |
[INCLUDED] Hip dysplasia is covered as long
as your pet is not showing signs and the disease has not been diagnosed
or suspected prior to enrollment or during the waiting period.
(See 'Hereditary & Congenital Conditions Coverage' section above). |
Prescription Drug Coverage |
[INCLUDED] Prescription drugs are covered.
Does not cover prescription diets, holistic medications, herbs, vitamins,
nutritional supplements or natural remedies even if prescribed by
a licensed veterinarian.
**See actual policy or call PurinaCare® for full list of inclusions
and exclusions |
Pregnancy Coverage |
[NO] |
Routine/Wellness Coverage |
[OPTIONAL] Routine care is covered only if
you get the PurinaCare® plus Preventive Care Plan.
Includes:
- Annual wellness exams
- Routine vaccinations
- Flea and heartworm medications
- Spaying and neutering
- Microchipping
- Routine diagnostic tests(Blood Panel, Urinalysis, Heartworm Test, Fecal Test)
- Routine deworming
- Routine dental cleaning
Each category has an annual payout limit. Deductible must be met first then they will reimburse eligible expenses based on the
plan's copay.
**See actual policy or call PurinaCare® 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 |
Dental Care (Illness/Accident) |
[LIMITED COVERAGE] Dental coverage for illness
and accidents is included. Orthodontics are not covered.
**See actual policy or call PurinaCare® for full list of inclusions
and exclusions. |
Bilateral Conditions Policy |
If your pet develops a Bilateral Condition before
your policy effective date or during the waiting period, it will not
be covered and if your pet develops the same condition on the opposite
side after the waiting period it will not be covered. For example
if a dog has been diagnosed with a cruciate tear in this left knee
before the effective date or during the waiting period, a cruciate
tear in the right leg will not be covered. Even if it happens after
the waiting period.
**See actual policy or call PurinaCare® for a list of medical
conditions that are considered bilateral and for a complete description
of their Bilateral Conditions Policy. |
Coverage - Overview (please
read policy for full coverage details) |
Diagnostics and treatments due to illness and accidents
[Included] Hereditary & Congenital Disorders, Alternative Therapy,
Continual Chronic Conditions Coverage, Cancer Coverage, Behavioral
Therapy, Hip Dysplasia, Prescription Medications, Dental Illness/Accident
(with limitations). (Refer to each category's section for limitations)
[Optional] Routine/Wellness Care and Routine Dental Care - Both come
with the PurinaCare® plus Preventive Care Plan (Refer to each
category's section for limitations)
**See actual policy or call PurinaCare® for full list of inclusions,
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, Breeding, Fertility
- Boarding
- Alternative Care unless prescribed and performed by a Licensed
Veterinarian in a Clinical Setting
- Cosmetic and Elective Procedures including but not limited to:
Ear Cropping, Tail Docking, Debarking, Nail trimming, Dewclaw
Removal, Declawing of Cats or Dogs, Tattooing, any Cosmetic procedures,
Disarming (cutting and capping teeth) Orthodontics or Cosmetic
Dentistry.
- All Pet Foods
...See policy for a complete listing |
Co-pay |
For policies underwritten by Central States Indemnity Co. of Omaha, you can choose a co-pay of 20%, 30%, or 40%. |
Deductible |
Annual Deductible.
PurinaCare® without Preventive Care - Choose from $100, $250,
$500, $1000 deductible per year.
PurinaCare® Plus Preventive Care - Choose from $250, $500, $1000
deductible per year |
Flat Deductible vs % Deductible |
Flat |
Deductible Per Incident vs Annual Deductible |
Annual Deductible |
How is Reimbursement Determined |
For policies underwritten by Central States Indemnity Co. of Omaha: Standard Charges as defined by the fees your veterinarian routinely charges uninsured
clients for similar eligible services. |
Max Payout Annually |
$20,000 |
Max Lifetime Payout |
PurinaCare® does not have a maximum lifetime
payout |
Max Payout per Incident |
PurinaCare® does not have a maximum payout
per incident |
Max Payout Based on Body System |
PurinaCare® 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. |
Approximate Monthly Costs |
Approximately $4 - $83 depending on the deductible, type of pet, age of pet, your location, breed, preventive coverage, etc. |
**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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