Overview of The Pet Health Care Plans

When you sign up for a PurinaCare® Pet Health Insurance plan from insurance provider SecuriCan, you can choose between an accident only plan with the Protect plan, an accident and illness plan with the Preferred plan or choose accident, illness and preventive care coverage with the Premium plan.

PurinaCare® Protect

PurinaCare® Preferred

PurinaCare® Premium

The Protect plan is the most affordable option if you simply want to cover your dog or cat, should they get into an unexpected accident.

The Preferred plan is right for you if you want to insure your dog or cat against the unexpected. It covers treatment of eligible accidents and illness, including those arising from hereditary conditions, and helps you provide high-quality care if unexpected issues arise.

The Premium plan covers eligible accidents and illness for your pets as well as routine expenses such as vaccinations, flea and heartworm control and dental cleanings. It is an easy way to help provide your pet with routine preventive care and give yourself true peace of mind.
 

PurinaCare® Plan Benefits*:

  • Provides benefits for vaccinations, dental cleanings, spaying/neutering and flea and heartworm preventive. (Premium plan only)
  • Covers treatment for accident and illness (Preferred and Premium plans) including diagnostic tests and medication.
  • Covers hereditary conditions.
  • PurinaCare® reimburses 80% of eligible expenses after your annual deductible is met.
  • You pay one deductible for the year, not per incident. 

Please refer to the PurinaCare® terms and conditions brochure for more details.

Coverage Chart

You should know right up front that PurinaCare® does not cover things like training, maternity-related costs or grooming and boarding. For a full list of exclusions please see Exclusions from Coverage.

 

PurinaCare® Premium

PurinaCare® Preferred

PurinaCare® Protect

Illness

Covered

Covered

-

Injuries & accidents

Covered

Covered

Covered

Hospitalization

Covered

Covered

Covered

Surgery

Covered

Covered

Covered

Hereditary conditions

Covered

Covered

-

Diagnostics

Covered

Covered

Covered

Prescription medications

Covered

Covered

Covered

Vaccinations

Covered

-

-

Fecal exams

Covered

-

-

Dental cleaning

Covered

-

-

Spaying/Neutering

Covered

-

-

Heartworm medication & testing

Covered

-

-

Flea Prevention

Covered

-

-

Blood Profile

Covered

-

-

Urinalysis

Covered

-

-

PurinaCare®Limits
(after annual deductible is met)

 

Coverage Amounts
Annual Vaccinations $250.00
Fecal Analysis $32.00
Preventive Care Blood Profile $75.00
Preventive Care Urinalysis $35.00
Heartworm Test $38.00
Dental Cleanings $250.00
Heartworm Medication $120.00
Flea Prevention $125.00
Spay/Neuter Dog $150.00 Cat $100.00

Exclusions from Coverage

Like all forms of insurance, there are exclusions from coverage under PurinaCare® Pet Health Insurance plans. Items excluded under PurinaCare® include, but are not limited to, the following:

  • All Pre-existing Conditions
  • Breeding, Fertility, and Pregnancy
  • Alternative Therapy and Care
  • Behavioural Therapy
  • Medical Devices
  • Cosmetic and Elective Procedures
  • Training - even if prescribed or performed by a Licensed Veterinarian
  • All pet foods for any reason
  • All nutritional supplements, vitamins, nutriceuticals, holistic medications, herbs, and natural remedies for any reason even if prescribed by a Licensed Veterinarian
  • Grooming and bathing for any reason
  • Boarding
  • Accidents or Injuries intentionally inflicted or intentionally caused by the policyholder
  • Dogs and Cats under 8 weeks of age
  • Accidents that occur before or during the 48 hour waiting period after enrollment
  • An illness that occurs before 12:01 am on the 14th day following the effective date of coverage

Please refer to the PurinaCare® terms and conditions brochure for more details.

PurincaCare®Brochure

Want to share everything you need to know about PurinaCare Pet Health Insurance with a friend or loved one? Simply download and print this PurinaCare brochure by clicking the link below.

Download brochure PDF

You will need Adobe Acrobat Reader to view and print the claim form. If your computer does not have Acrobat installed, you can download the free Adobe Acrobat Reader

Additional Details

10-Day Money-Back Guarantee
As long as no claims have been filed during the policy period, you can cancel the policy during the first 10 days of coverage and receive a full refund of premium. You may cancel your policy anytime by giving written notice to us. The effective cancellation date is the date written notice is received.
Multi-pet Discount
3-5 pets - 10% discount
6 or more pets - 15% discount
Waiting Period for Preventive Care Benefits
There is no waiting period for Preventive Care benefits. Coverage begins at 12:01 am of the Effective Date of your policy.
Waiting Period for Accidents
Accident coverage begins 48 hours after the time of enrollment. Accidents that occur during the waiting period will be excluded from coverage.
Waiting Period for Illness
Your pet becomes eligible for illness benefits at 12:01 am on the 14th day following the Effective Date of your policy. Conditions that occur during the waiting period will be excluded from coverage.
Effective Date
The Effective Date will be listed in your document of insurance.
Policy Transfer
A policy cannot be transferred between different pets. Each pet must undergo an individual application process and underwriting review.

A policy can; however, be transferred between pet owners for the same insured pet, if all premium-owed is current and the request for transfer is made in writing by both involved parties.