Coverage for all PetCare Pet Insurance Programs can begin as early as 8 weeks of age. Once enrolled your pet can stay on 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, enrollment is possible up to age 10 for cats, age 8 for dogs (6 for 'select' dog breeds).

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.

QuickCare for Indoor Cats, QuickCare Gold 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.

Accident Coverage begins at 12:01am the morning after your enrollment application is approved. Illness coverage will begin 30 days following enrollment for QuickCare Gold. No physical examination is required.

Your claim will be processed within five business days of our receiving and approving your completed claim with supporting documentation.

A PetCare Pet Insurance Program policy pays 100% of all payable claims, less the fixed deductible up to your pet's coverage limit. Exclusively for QuickCare Gold policy holders, from the pet's 8th birthday (6th for select breed dogs) the policy holder will be responsible for the first 20% of any claims.

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

All breeds of dogs and cats are accepted. For QuickCare Gold, medical records are required at the time of enrollment. Once enrolled your pet is guaranteed coverage for the rest of it's life, up to policy limits. Some conditions may apply*. Please see policy terms and conditions for details.

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

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.

There is a small “Select” breed surcharge for dogs covered by QuickCare Gold and QuickCare Senior.
Some breeds are more susceptible to certain illnesses, therefore 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 cross-breeds are eligible for accident coverage only. QuickCare Gold for Dogs and QuickCare Senior for Dogs are the only polices with a select breed surcharge. There are NO *Select Breed surcharges on any other PetCare Pet Insurance Program.

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.

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.

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.

Gold policies offer coverage for chronic and hereditary defects, including hip dysplasia.

* Chinese Shar-pei and Shar-pei cross-breeds are eligible for accident coverage only.