PurinaCare Without Preventative Care is the basic insurance for your pet plan, which covers accident and illness costs related to diagnostic procedures, prescriptions, surgery, hospital stays, and treatment. And also this includes hereditary and breed-specific maladies. Depending on the location, age, type and condition of one’s pet, monthly costs starts at $22 per dog but tend to go up to $90. You can customize your deductible from $100, $250, $500 or $1,000 annually however, this affects your premium. 80% of approved expenses are reimbursed after your yearly deductible is met; your deductible is calculated annually and not per incident and your annual benefit limit is $20,000 per pet. A crucial note: your premium goes up once your pet turns 5, 8 and 10 years of aging.
Along with what’s covered underneath the basic PurinaCare plan, with Preventative Care, your dog or cat can also be covered for wellness and routine-based procedures for example: annual exams, flea and heartworm prescriptive medication, vaccinations, spaying/neutering, and much more. Such as the basic plan, PurinaCare With Preventative Care can begin out at $28 per pet but tend to go as high about $100.00, so there’s definitely a variety between monthly costs. One other costs remain identical to the PurinaCare Without Preventative Care plan but note that despite the annual deductible is met, some of the wellness/routine procedures can still be costly, i.e., you’ve kept to pay of your personal pocket following your deductible is met:
Dental scaling/polishing: $200
Vaccines for dogs and cats less than 9 months of aging: $250
Dog spaying: $150
There are a couple available discounts – If you insure 2 pets on a single plan, you receive a 5% discount; should you insure 3 pets or more on the same plan, you receive a 10% discount.
With regards to exclusions, you will find quite a few but here’s just a sample:
Any pre-existing condition
Costs related to breeding and pregnancy
Alternative care, for example: rehabilitation, acupuncture, holistic/homeopathic treatment, chiropractic treatments, etc.
Elective procedures, like tail docking, declawing and ear cropping
All supplements, vitamins, natural remedies
Preventable diseases by vaccination
Intentional accidents or injuries by covered person
Dogs and cats below the age of 2 months
Accidents that occur before 12:01 am about the 3rd day following coverage’s effective date
Illnesses that appear before 12:01 am on the 15th day following coverage’s effective date
PURINACARE PET Medical insurance: PROS
You can receive a complete refund in your premium within 2 weeks of enrollment, as long as no claims were filed
There’s no waiting period for Preventative Care Benefits only; coverage begins at 12:01 the day after your policy goes into effect
Hereditary and breed-specific ailments are covered but ONLY if manifested after enrollment; in case your pet had hereditary and breed-specific ailments just before coverage, it is considered “pre-existing” and isn’t covered
You can choose any licensed veterinarian within the U.S.
You choose your deductible
PURINACARE PET Medical insurance: CONS
All preventable conditions are excluded but like a great many other pet insurance companies, these the weather is not detailed so there’s a lot of room for interpretation. This is actually the main complaint among PurinaCare’s clientele – their claims were denied as a result of loose interpretation
There is no coverage in the following states: Alaska, District of Columbia, Florida, Hawaii, Louisiana, Montana, Nh, Oklahoma, Sc, Washington
Only dogs and cats are covered