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What
are Healthy Pet Insurance’s call center
hours? Monday to Friday, 8:00am to 9:00pm Central
time; Saturday 10:00am to 5:00pm Central
time. Administrative hours are Monday to
Friday, 8:00am to 5:00pm Central time.
Can
I use the veterinarian of my choice?
Yes,
holders of PetCare Pet Insurance
Program’s
insurance policies can use the veterinarian
of their choice. They make
payment directly to the veterinarian
and once the claim has been approved,
PetCare
Pet Insurance Programs reimburse the
policyholder directly. PetCare Pet Insurance
Programs
will respond to 98% of all claims within
5 business days upon receipt of the claim.
What if I want
to enroll more than one pet?
Each pet receives its own policy. You
can use our online enrollment system to
enroll all your pets in one convenient
process without having to fill out multiple
application forms.
What are
my payment options? Visa, MasterCard and Discover cards are
accepted at our call center for annual
or monthly payments. Currently, Visa and
MasterCard are the credit cards accepted
for online applications. Check and money
order are accepted for annual or monthly
payments.
How much are
the deductibles?
You pay a $50 deductible (unless otherwise
noted) per event regardless of the number
of trips you need to make to the veterinarian.
This deductible remains constant for as
long as your pet insurance policy is in
force.
Why
doesn’t PetCare Pet Insurance Programs
cover the cost of general maintenance
for dogs and cats?
Here are the facts on unforeseen versus
routine care. The PetCare Pet Insurance
Programs provide the best value for your
insurance dollar, it's that simple. As
a responsible pet owner you already budget
for your pet's everyday needs - food, toys
and annual veterinary check-ups and vaccinations.
However, there are other unexpected, and
often major costs that may arise relating
to your pet's health. The PetCare Pet Insurance
Programs meets the need with a variety
of policies that pay 100% (less the deductible)
of costs relating to unexpected accidents
and illnesses.
The PetCare Pet Insurance Programs offer
fixed, affordable premiums that are consistent
from year-to-year, because only the unexpected
is covered. Insurers that cover day-to-day
maintenance charge more and increase their
premiums regularly due to overuse of the
system with. With PetCare Pet Insurance
Programs, real help is there when you need
it most!
In what
states are programs available?
Healthy Pet Insurance is available
in these 45 states and Washington D.C.:
Alabama, Arizona, Arkansas, California,
Colorado, Connecticut, Delaware,
District of Columbia, Florida, Georgia,
Idaho, Illinois,
Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Mississippi,
Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey,
New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma,
Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota,
Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia,
Wisconsin and Wyoming. Other state approvals are pending.
How does
the claim reimbursement process work? Mail or fax in a completed one page claim
form completed by yourself and your attending
veterinarian along with the detailed receipts.
Fill out a claim form. Once the veterinarian
has been approved, PetCare Pet Insurance
Programs reimburse the policyholder directly.
What does a PetCare Pet Insurance Program
cover?
etCare
Pet Insurance Programs offer responsible
pet owners a wide range of accident
and illness coverage. These programs have been developed with the input of experienced
veterinarians to provide pet owners with programs that are affordable, easy to
use, easy to understand and that offer coverage for the accidents and illnesses
that are most common to domestic cats and dogs through all stages of life.
We cover veterinary visits for any accidents
or illnesses that the pet is covered
for, and all the procedures, up to the
limits indicated in the Program, necessary
to provide the best possible care for the four-legged family members. We recommend,
that policyholders talk to their veterinarian and decide together what the
best
possible course of action is for each and every accident and illness that occurs.
Do you cover routine care?
(Dental, spaying, neutering, Heart Guard, etc.)When you
add a dog to the family you know that the certain everyday
needs like food, toys and routine health care
(such as vaccinations and physical exams) are necessary to keep your pet healthy
and happy. These expenses can be budgeted. What do you not know is whether
or not a serious accident or illness is just around the corner.
Other pet insurance providers try to convince pet owners that an insurance
policy covering routine care is good for the family budget. So, why doesn't
PetCare
cover day-to-day maintenance? It's simple. Paying for routine care through
an insurance program is not cost effective. For the items that you can budget,
it
is less expensive to pay for them directly yourself.
PetCare's programs are designed to provide coverage for what you can't budget
- the unexpected - with sensible, straightforward accident and illness protection. We
have you, your family budget and your dog's best interests in mind.
How do policyholders make a claim? Policyholders should mail or fax in the
one page claim form that they will receive
with their policy package. This claim
form should be completed by the policyholder and the attending veterinarian
and sent with the original receipts. Policyholders may call our friendly
customer care department for information
about their claim at any time.
Can policyholders use any veterinarian?
Yes.
We believe that pets should receive the
care their owners want them to have,
not the care we say they
can have. Whether the policyholder chooses to provide
traditional veterinary care or homeopathic veterinary care to their pet,
is
only dependent up personal choice. We work on a reimbursement system, this
means the policyholder pays the veterinarian and we then reimburse the
policyholder (minus your deductible).
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