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Pethealth Inc. (PetCare brand)
710 Dorval Drive, Suite 400
Oakville, ON
L6K 3V7
phone: (866) 275-7387 (PETS)
website: http://www.petcareinsurance.com
US claim form: click here
CAN claim form: click here
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Pethealth offers pet insurance in both the US and Canada, currently offering
its PetCare Pet Insurance Programs in 10 provinces, all US states (except Alaska)
and Washington, D.C. In addition to the PetCare Pet Insurance Programs, Pethealth offers its pet
insurance programs under a variety of names, including QuickCare, ShelterCare, 24 Pet Watch
and Union Plus Pet Insurance. Recently joined with PETCO to offer insurance
under the brand Petcare Pals.
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Most Helpful Reviews of Pethealth (PetCare brand) .
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7/10 Not Great, but worth the money, 1/15/2007
Reviewed By: Dave in N. Cal, Recommend: Y
I've had my dog insured with this company for 4 years and plan to renew again. They rarely pay the full 80% because their "usual and customary expenses" are pretty conservative, but even at the more typical 60% that I receive it has been worthwhile. Customer service was initially poor but has been very good for the past year. They have been very strict about the rules concerning exclusions, pre-existing conditions, and waiting periods, so read your policy carefully. My rates have gone up about 10% each year, but my dog is getting quite old and has had several costly surgeries yet they keep renewing her so I'm satisfied.
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5/10 Existing conditions suddenly appear , 2/12/2008
Reviewed By: Joanne Seward, Recommend: N
We received three months of PetCare insurance when we adopted our dog three and a half years ago. After the three months were up we renewed the policy. At some point however, my husband was issued a new credit card and somehow the monthly PetCare fees did not transfer over. We discovered we were uninsured just when we actually needed the insurance. PetCare *very nicely* offered to issue a new policy if we paid for the full year in one payment, which we did, and naturally, that particular vet trip wasn't covered as there's a waiting period. More important, however, is that there were exclusions in the new policy that we were not informed of--mammary tumors were excluded as we'd had a suspicious bump biopsied and removed at the time the dog had been spayed, and any skin allergies as she had once licked a paw raw. We still have no idea if this was an allergic reaction, a bug bite or simply habit (she's a paw licker nd that's that). In retrospect it seems to me that had PetCare reinstated the existing policy neither of these conditions would have been excluded. And, as I said, we were not aware that the dog supposedly had allergies. We did know the lump had been pre-cancerous. It was removed when she was spayed and that was that, in our minds.
Well, this past November I discovered a lump on her rib cage that the vet thought was a fatty cyst. It was *not* a mammary tumor. We had it biopsied just to be safe. At the same time she'd been scratching tremendously. The vet decided it was probably a food allergy. She switched us to a special food. When we submitted the claim for the office visit and the biopsy we received a letter saying the vet's info had not been submitted. This was *after* a phone call saying they'd received our claim. The secretary at the vet's said she would fax the info again despite having the time and date of the original submission in her files. We then received a letter saying that the claims were for pre-existing conditions and there would be no payment. The vet's office basically said this was not so, the cyst was different from a mammary tumor, and they resubmitted yet again, specifying that the biopsy of the cyst was not not allergy related nor a mammary tumor. The claim was still denied. I suspect that anything even vaguely related to cancer of any sort or anything on her skin will also be denied. We had just renewed shortly before all of this took place. Don't know if it's worthwhile renewing next year. It seems to me that they will link anything they possibly can to supposed skin allergies or cancer...So I don't know that I'd recommend them. I'd do more research first, see what people say about other companies. Only if they're worse than this would I do so. I'm thinking that a savings account with a decent interest rate might be a better way of setting aside money for pet illnesses...Not sure but at least I wouldn't deny my own claims. In the case of the only claim we ever made that wasn't denied, the reimbursment didn't nearly equal the outlay. I think it was about one quarter or one third of the actual fees I'd paid.
I'd say "buyer beware"...And I agree with the reviewer who said they try to wiggle out of legitimate claims. The phone staff are lovely (when you finally reach them) but the powers that be are less than just.
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5/10 Just OK, 4/4/2007
Reviewed By: Melissa, Recommend: Y
I have had the 70% Quickcare Gold coverage for 2 years for both my dogs. While my first dog has had a pretty decent reimbursment rate for allergies, she has almost maxed out her coverage in this catagory (where she needs it the most). Beware, the max coverage ($3,000 per catagory)amounts DO NOT renew annually. Now with my 2nd dog, he ingested a bee (I would call it an accident)and had a horrible bout of vomitting. He was rushed to the ER ($800). The accident coverage was suppose to start from day 1. It was excluded - Now his vomitting is excluded from any coverage. Every claim I have made for my 2nd dog has not paid anything. My premiums have gone up about $75/year per dog. My dogs are 2 and 1 years old, not worth it for me in the long run.
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Most Recent Reviews
10/10 A very dependable company!,
I took out the 70% gold insurance with my dog Molli, a Maltese, and I found PetCare very affordable.
My… read more
Added 3/2/2010 by: Susan Marinelli
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2/10 Go elsewhere!,
Go elsewhwere!
I took my dog in to the vet in November, they paid the $43 claim in February. They claimed to… read more
Added 2/24/2010 by: Max's mom
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5/10 Not Highly Recommended,
Today I received a denial letter from Pet Care for our 15 year old Shih Tzu who had a second surgery in… read more
Added 2/15/2010 by: Nancy Ball
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10/10 10/10 Pay as stated, worth the Peace of Mind!,
I have 2 senior cats, 1 male, 1 female and they're litter mates. I've had them since they were 3 weeks old,… read more
Added 2/12/2010 by: Carolyn Moncello
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5/10 life time maximum limits,
rescued my shihtzu x when she was 5 1/2 and had no knowledge of her medical history.Vet convinced me to… read more
Added 1/15/2010 by: Dorothy
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1/10 Terrible Service,
I have paid a monthly fee for insurance for my dog for over a year now. The first claim was paid however it… read more
Added 12/24/2009 by: michele
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1/10 NEVER USE SHELTERCARE,
I was just denied my claim for a UTI/Urinary obstruction. I purchased the policy only because they… read more
Added 11/23/2009 by: Jessica
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