| Policy Questions | PurinaCare® | 24 Pet Watch |
| Plan Name | PurinaCare Without Preventive Care and With $100 Annual Deductible (1) | QuickCare Gold 90% Coverage Without Wellness Plan and with $100 Per Incident Deductible (2) |
| Choice of Annual Deductible | Yes - Choice of $100, $250, $500, $1000 | No - Only Per Incident Deductible |
| Choice of Co-Insurance | Yes - Choice of 20%, 30%. or 40% | No - Only 10% |
| Per Incident Deductible for Accident and Illness | No - Only Annual Deductible | $100 |
| Per Incident Limit - Dogs | No Per Incident Limit | $3000 Per Accident $3000 Per Illness per Category (3) |
| Per Incident Limit - Cats | No Per Incident Limit | $2500 Per Accident $2500 Per Illness per Category (3) |
| Annual Limits | $20,000 | No Defined Annual Limits |
| Lifetime Limits - Illness | None | $36,000 Dogs $30,000 Cats |
| Co-Insurance for This Example | 20% | 10% |
| Insurance Coverage for This Example | 80% | 90% |
| Deductible Applied to Claim | Before Co-Insurance is Applied, Resulting in Higher Benefit | After Co-Insurance is Applied, Resulting in Lower Benefit |
| Waiting Period | Accident - 2 days Illness - 14 days |
Accident - 12:01 a.m. on the day following enrollment Illness - 31 Days |
| Current Medical Records Required for ALL Claims | No-Only For Claims Where Possible Pre-Existing Conditions Require a Review | YES |
| Chinese Shar-Pei Covered For Illness | YES | NO |
| Behavior Therapy Coverage | Yes, if By Veterinarian in Clinical Setting | No |
| Prescription Diet Food Coverage If Prescribed by a Veterinarian for an Illness Condition | No | Yes - 25% of Cost for a Maximum of Six Months |
| Physical Examination Required for Enrollment or Renewal | No - Unless Pet is Older and Medical Condition is Unkown | Yes - Either within the 12 Months Previous to Enrollment or Renewal or 30 Days After Enrollment or Renewal |
| Dental Disease Care Covered | Yes | No |
| Restricted Enrollment Based on Pet's Age | None | Dogs and Cats 8 Years and Older Must Enroll Using the QuickCare Senior Plan |
| Benefits for Advertising and Reward if Pet is Lost or Strayed | None | Yes - $150 Limit |
| Benefits for Boarding or Kennel Fees if Owner is Hospitalized for More Than 48 Hours | None | Yes - $250 Limit |
| Benefits for Accidental Death | None | Yes - $500 Limit |
| Benefits for Euthanasia | Yes - No Limit | Yes - $100 Limit |
| Discount Available for Microchipped Pets | No | Yes - $12.00 Per Year |
| Premium May Increase With "Excessive" Claims | NO | YES |
| Monthly Pay Plan Fee | None | Yes - $2.00 |
| Monthly Premium (includes monthly pay plan fee) |
$38.31- Dog $13.18 - Cat |
$53.95 - Dog $28.95 - Cat |
|
(2) Data available for viewing at www.24petwatch.com. The QuickCare Gold plan shown here is the plan most similar to the PurinaCare plan shown in the next column.
(3) 24PetWatch has defined 12 separate illness categories which describe the different body systems. The maximum lifetime benefit available for each category is $3000 for dogs which converts to a lifetime illness maximum of $36,000 and $2500 for cats which converts to a $30,000 lifetime illness maximum. |
The description of 24PetWatch policy was not furnished by 24PetWatch. If there are questions regarding the illustration, please contact a representative of 24PetWatch. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and that premium costs may vary by location, zip code, age, and other variables. Current premium and policy features, as well as costs, should always be confirmed by accessing the companies website at http://www.24petwatch.com/petinsurance/ or by calling them at 1-866-275-PETS (7387).
| Policy Questions | PurinaCare® | AKC Pet Healthcare Plan |
| Plan Name | PurinaCare Without Preventive Care with $100 Annual Deductible(1) | Essential Plus Plan with $125 Annual Deductible (2) |
| Choice of Annual Deductible | Yes - Choice of $100, $250, $500, $1000 | No- $125 Only |
| Choice of Co-Insurance | Yes - Choice of 20%, 30%, or 40% | No - 20% Only |
| Per Incident Limits | None | Yes |
| Maximum Per Incident Benefit | None | $3,000 |
| Annual Limits | $20,000 | $11,000 |
| Co-Insurance for This Example | 20% | 20% |
| Insurance Coverage for This Example | 80% | 80% |
| Annual Physical Exam Required | No | Yes |
| Age Limit on Initial Enrollment | None | Any Dog or Cat Under Age 9 |
| Waiting Period | Accident - 2 days, Illness - 14 days |
Accident - 0 Days, Illness - 30 Days |
| Acupuncture or Chiropractic Coverage | Yes, If By Veterinarian in Clinical Setting | None |
| Congenital or Hereditary Coverage | Yes, After 2 weeks | None |
| Behavior Therapy Coverage | Yes, if By Veterinarian in Clinical Setting | None |
| Annual Preventive Care Coverage Available | Yes, available with $250, $500, and $1000 Deductible Levels only | Yes - With Wellness and Wellness Plus Plans |
| Multiple Pet Discount Available? | Yes - 5% for Second Pet, 10% for 3rd and Above | Yes - 5% for 2 or More Pets (3) |
| Administrative Fees Charged | None | Yes - $4.00 Per Month Credit Card Processing Fee |
| Monthly Premium (includes monthly processing fee) | $38.31 Dog $13.18 Cat |
$49.58 Dog $29.67 Cat |
|
Premiums may vary by age, breed, and location
|
(1) Policies and information are available for viewing at www.purinacare.com. Premiums may vary by age, breed, and location
|
(2) Information taken from AKC Pet Healthcare Essential Plus Policy and data available at www.akcpethealthcare.com
(3) Available June 1, 2010 |
The description of AKC policy was not furnished by AKC. If there are questions regarding the illustration, please contact a representative of AKC. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and that premium costs may vary by location, zip code, age, and other variables. Current premium and policy features, as well as costs, should always be confirmed by accessing the companies website at http://www.akcpethealthcare.com/ or by calling them at 1-866-725-2747.
| Policy Questions | PurinaCare® | ASPCA Pet Health Insurance |
| Plan Name | PurinaCare Without Preventive Care with $100 Annual Deductible(1) | Level 4 Plan with $100 Annual Deductible and Continuing Care Option (2) |
| Choice of Annual Deductible | Yes - Choice of $100, $250, $500, $1000 | Yes- $100, $250, $500 |
| Choice of Co-Insurance | Yes - Choice of 20%, 30%, and 40% | None |
| Per Incident Limits | None | Yes |
| Maximum Per Incident Benefit | None | $7,000 |
| Annual Limits | $20,000 | None Defined |
| Co-Insurance for This Example | 20% | 10% |
| Insurance Coverage for This Example | 80% | 90% |
| Waiting Period | Accident - 2 days, Illness - 14 days |
Accident - 0 Days, Illness - 30 Days |
| Congenital or Hereditary Coverage | Yes, $20,000 Annual Limit Two Weeks Waiting Period |
Yes, $1,000 Per Incident Limit $2,500 Lifetime Limit 6 Months Waiting Period |
| Alternative Therapy Coverage | $20,000 Annual Limit Applies | $300 Annual Limit |
| Coverage for Medical Conditions Occuring in Previous Policy Period (Ongoing Conditions) | Yes - Full Benefits Resume in Each New Policy Term After Annual Deductible is Met | Yes - $2,500 Per Incident Limit After the First Policy Period $6,000 Lifetime Limit |
| Behavior Therapy Coverage | Yes, $20,000 Annual Limit Applies | Yes, $300 Annual Limit |
| Annual Preventive Care Coverage Available | Yes, with $250, $500, and $1000 Deductible Levels | Yes - With Level 3 and Level 4 Plans |
| Waiting Period For Anterior Cruciate Coverage | 2 Weeks | 12 Months |
| Multiple Pet Discount Available? | Yes - 5% for Second Pet, 10% for 3rd and Above | Yes - 10% |
| Administrative Fees Charged | None | Yes - Monthly $1.50 Issuance Fee |
| Monthly Premium (includes Monthly Issuance Fee) | $38.31 Dog $13.18 Cat |
$76.37 Dog $48.76 Cat |
|
(2) Information taken from the ASPCA Pet Insurance LEVEL 4 PLAN Issued by The United States Fire Insurance Company and data available at www.aspcapetinsurance.com
|
The description of ASPCA policy was not furnished by ASPCA. If there are questions regarding the illustration, please contact a representative of ASPCA. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and that premium costs may vary by location, zip code, age, and other variables. Current premium and policy features, as well as costs, should always be confirmed by accessing the companies website at http://www.aspcapetinsurance.com/ or by calling them at 1-866-861-9092.
| Policy Questions | PurinaCare® | Embrace Pet Health Insurance |
| Plan Name | PurinaCare Plus Preventive Care, $250 Annual Deductible, $20,000 Annual Limit, 20% Co-Insurance (1) | Embrace "Custom" Policy with Wellness and Dental Rewards, $200 Annual Deductible, $15,000 Annual Limit, 20% Co-Insurance (2) |
| Annual Deductible Available | Yes - Choice of $250, $500, $1000 | Yes - Choice of $100, $200, $300, $500, $1,000 |
| Co-Insurance Options | 20%, 30% or 40% | 10%, 20%, 35% |
| Waiting Period | Preventive Care - 0 days Accident - 2 days Illness - 14 days |
Wellness - 0 days Accident and Illness - 14 days Orthopedic Conditions - 6 months(3) |
| Lifetime Maximum | None | $50,000 |
| Prosthetic Limbs and Devices Coverage | Yes | No |
| Physical Exam Required for Initial Coverage & Renewal | No | Yes |
| Coverage of Illness or Injury caused by another animal residing and cared for in your household | Yes | No |
| Behavior Therapy Coverage | Yes - If By a Veterinarian in a Clinical Setting | No |
| Stem Cell Therapy Coverage | Yes | No |
| Pre-existing Cancer Limitations | If Pet Has Been Treated For Cancer Prior to Effective Date, Only The Previously Treated Type of Cancer Occuring After The Effective Date Is Considered to be Pre-Existing | If Pet Has Been Treated For Cancer Prior to Effective Date, All Types of Cancer in Any Body Location After the Effective Date are Considered to Be Pre-existing |
| Chiropractic and Acupuncture Coverage | Yes | Yes, Only When Provider is a Member of Either Chiropractic, Homeapathy, Acupuncture, or Holistic National Associations |
| Congenital and Hereditary Coverage | $20,000 Maximum | $15,000 Maximum |
| Annual Preventive Care Benefit Limits | $715 | $400 |
| Monthly Preventive Care Premium Costs | $15.45 Dog, $4.80 Cat | $25 |
| Deductible May Apply to Wellness or Preventive Care | Yes | No |
| Monthly Premium | $46.88 Dog $15.21 Cat |
$104.40 Dog (5) $84.41 Cat |
| 5% Yearly Billing Discount Available | No | Yes |
|
(1) PurinaCare also offers PurinaCare without Preventive Care. Policy and data available for viewing at www.purinacare.com
|
(2) Information taken from RLI Insurance Policy dated 5/10, from data available at www.embracepetinsurance.com and personal communication with Laura Bennett.
(3) The Orthopedic Waiting Period can be reduced by having your veterinarian perform (at policyholder's expense) an orthopedic examination and submitting the results to Embrace for review. (5) Embrace Dog and Cat Premiums include a discount for pets that have been neutered. |
The description of Embrace policy was not furnished by Embrace. If there are questions regarding the illustration, please contact a representative of Embrace. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and that premium costs may vary by location, zip code, age, and other variables. Current premium and policy features, as well as costs, should always be confirmed by accessing the companies website at http://www.embracepetinsurance.com/ or by calling them at 1-800-511-9172.
| Policy Questions | PurinaCare® | Healthy Paws Pet Insurance |
| Plan Name | PurinaCare Without Preventive Care with $250 Annual Deductible and 20% Co-Insurance (2) | Healthy Paws Plan with $250 Annual Deductible and 20% Co-Insurance (1) |
| Choice of Annual Deductible | Yes - $100, $250, $500, $1000 | Yes - $50, $100, $250, $500 |
| Choice of Co-Insurance |
Yes - 20%, 30%, 40% (5) |
Yes - 10%, 20%, 30% |
| Coverage Available for Pets Owned by Veterinarian's Immediate Family | Yes - Claims Documents Must Include a Receipt Showing That Veterinary Services are Fully Paid | No |
| Exam or Professional Fee Deductible | None | Yes - Because Veterinary Exam and Professional Fees are not Covered, These Fees Become Defacto Deductibles When Charged During an Office Visit and/or in the Course of the Hospitalization of a Sick or Injured pet (3) |
| Annual Limits | $20,000 | No Defined Annual Limits |
| Lifetime Limits | NONE | Yes - $25,000 |
| Waiting Period | Accident - 2 days, Illness - 14 days | Accident and Illness - 15 days |
| Physical Exam Required For Enrollment | No, Unless Pet is Older or Medical History is Unkown | Yes - Pets Younger Than 6 Years Must Have Complete Clinical Exam Within Previous 12 months or Within 15 Days After the Policy Effective Date. Pets 6 Years or Older Must Have Complete Clinical Exam Within Previous 30 Days or 15 Days After the Policy Effective Date |
| Acupuncture or Chiropractic Coverage | Yes, If By Veterinarian in Clinical Setting | None |
| Hip Dysplasia Coverage | Yes - After 2 weeks with NO Age Limits | Yes, But NOT if Hip Dysplasia Occurs Within the 1st 12 Months of the Policy Effective Date. To Qualify, a Pet Less than 6 Years of Age Must Have a Complete Physical HIP Exam Within 12 months Following the Policy Effective Date. For Pets 6 Years and Older, Hip Dysplasia Benefits are NOT Available. |
| Hereditary and Congenital Limits | Annual Limits ($20,000) Apply | Lifetime Limits ($25,000) Apply |
| Behavior Therapy Coverage | Yes, if By Veterinarian in Clinical Setting | None |
| Dental Medical Care Covered | Yes - Accident And Dental Disease Covered | Yes - Accident Damage Only. Dental Disease NOT Covered |
| Conditions resulting from racing, law enforcement, guarding, or for any commercial use covered | Yes | No |
| Annual Preventive Care Coverage Available | Yes - Requires Additional Rider | No |
| Medical Records Automatically Required With First Claim | No | Yes |
| Co-Insurance Applied Before Deductible is Subtracted | No - Example Covered Treatment $1000 Less $250 Deductible = $750 X 80% Results in $600 Total Benefit | Yes - Example Covered Treatment $1000 X 80% = $800 Less $250 Deductible Results in $550 Total Benefit |
| Premium Increase with Age of Pet? | Yes, at Ages 5, 8, and 10 | No |
| Premium Increase with Time? | None | Yes - Cost-of-living Increase Each Year Estimated at 4-5% Per Year (3) |
| Monthly Premium (Premiums may vary by age, breed, and location. Note-$25 processing fee added to first monthly payment) | $31.43 Dog $10.41 Cat |
$39.72 Dog (4) $19.50 Cat (4) |
|
(2) Policies are available for viewing at www.purinacare.com.
(5) 30% and 40% co-insurance may not be available in all states. Check with www.purinacare.com for availability |
(1) Information taken from a Healthy Paws Insurance Policy and from information provided by www.healthypawspetinsurance.com on 11/10/2011.
(3) Information Obtained Through Direct Contact With HealthyPaws Customer Service Representative on 07/06/2010. (4) Includes 5% discount for keeping pet's weight within veterinary recommendations. |
The description of Healthy Paws policy was not furnished by Healthy Paws. If there are questions regarding the illustration, please contact a representative of Healthy Paws. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and that premium costs may vary by location, zip code, age, and other variables. Current premium and policy features, as well as costs, should always be confirmed by accessing the companies website at http://www.healthypawspetinsurance.com/ or by calling them at 1-800-453-4054.
| Policy Questions | PurinaCare Pet Health Insurance | PetFirst Healthcare |
| Plan Name | PurinaCare Without Preventive Care and $100 Annual Deductible (1) | PetFirst Preferred PLUS plan Without Routine Care With 100% of Available Benefits for Hereditary Conditions, and $100 Per Incident Deductible (2) |
| Choice of Annual Deductible | Yes - Choice of $100, $250, $500, $1000 | No - Only Per-Incident Deductible |
| Per Incident Deductible | No - Only Annual Deductible | $100 |
| Per Incident Limit | No Per Incident Limit | $3,500 |
| Annual Limits | $20,000 | $15,000 |
| Co-Insurance for This Example | 20% | 10% |
| Choice of Co-Insurance | Yes - Choice of 20%, 30% or 40% | No |
| Insurance Coverage for This Example | 80% | 90% |
| Waiting Period | Accident - 2 days Illness - 14 days |
Illness - 14 Days |
| Cruciate Diagnosis & Repair Coverage | After 2 Weeks | NONE |
| Hip Dysplasia Coverage | After 2 Weeks | NONE |
| Patella Luxation Coverage | After 2 Weeks | NONE |
| Waiting Period For Intervertebral Disk Disease | Two Weeks | 6 Months |
| Non Pre-Existing Hereditary and Congenital Coverage PLUS Chronic or Lifetime Coverage | Yes - No Per Incident Benefit Limits | Yes - Benefits limited to Per Incident Limits $3,500 (3) |
| Dental Disease Care Covered | Yes | No - Accidental Damage to Teeth Only |
| Behavior Coverage | Yes | None |
| Benefits for Advertising and Reward if Your Pet is Strayed or Lost | None | Yes - $500 Limit |
| Benefits for Boarding or Kennel Fees if You Are Ill and You Need Daily Care for Your Pet | None | Yes - $600 Limit |
| Benefits for Trip Cancellation If Your Pet is Ill and Requires Medical Treatment | None | Yes - $600 Limit |
| Benefits for Loss by Theft or Straying | None | Yes - $500 Limit |
| Benefits for Burial or Cremation | None | Yes - $150 Limit |
| Annual Administrative Charge for Monthly Payment | None | Yes - $30.00 |
| Monthly Premium | $38.31 - Dog $13.18 - Cat |
$99.95 - Dog $83.95 - Cat |
|
(1) Policies and data are available for viewing at www.purinacare.com.
|
(2) Data available for viewing at www.petfirsthealthcare.com. The PetFirst Preferred PLUS Plan illustrated here is the PetFirst plan most similar to the PurinaCare plan shown in the next column.
(3) Cruciate repair, hip dysplasia, and patella luxation are NOT covered under the terms of the policy. |
The description of PetFirst policy was not furnished by PetFirst. If there are questions regarding the illustration, please contact a representative of PetFirst. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and that premium costs may vary by location, zip code, age, and other variables. Current premium and policy features, as well as costs, should always be confirmed by accessing the companies website at http://www.petfirsthealthcare.com/ or by calling them at 1-866-937-PETS (7387).
| Policy Questions | PurinaCare Pet Health Insurance | PetPlan |
| Plan Name | PurinaCare Without Preventive Care with $100 Annual Deductible (1) | PetPlan Gold Plan with $100 Per Incident Deductible (2) |
| Choice of Annual Deductible | Yes - Choice of $100, $250, $500, $1000 | No - Only Per Incident Deductible |
| Choice of Co-Insurance | Yes - 20%, 30% or 40% | None |
| Per Incident Deductible Available | No - Only Annual Deductible | Yes - Policyholder Choice of $50, $100, $200 |
| Deductible Application to Claim | Before Co-Insurance is Applied (Results in Higher Benefit for First Claim in Policy Term) | After Co-Insurance is Applied (3) |
| Co-Insurance for This Example | 20% | 20% |
| Insurance Coverage for This Example | 80% | 80% |
| Waiting Period | Accident - 2 days Illness - 14 days |
Accident - 1 day Illness - 14 Days |
| Primary Veterinarian Required to be Member of American Veterinary Medical Association which is a Voluntary Membership, Not Required for Licensure | No | Yes |
| Referral Veterinarian Required to be Board Certified in Specialty | No | Yes |
| Coverage for Medical Expenses Caused By Earthquake, Windstorm, Flood, or Other Natural Disaster | Yes | None |
| Therapy Diets Covered | No | Yes - Limited to 6 Months Supply of Diets to Eliminate Bladder Stones or Crystals |
| Behavior Therapy Coverage | Yes, if By Veterinarian in Clinical Setting | Yes - Limit of $1,000 if By Veterinarian Accredited in Behavioral Therapy |
| Dental Medical Care Covered | Yes | Yes - Dental Exam by Veterinarian During the Previous 12 months is Required and if There Are Recommended Treatments, They Must Be Carried Out |
| Annual Preventive Care Coverage Available | Yes | No |
| Reimburse the price you paid for your pet if it dies or has to be put to sleep during the policy period by a veterinarian as a result of accident or illness. | None | Yes - $1,000 Limit |
| Benefits for Advertising and Reward Costs if Your Pet Goes Missing | None | Yes - $500 Limit |
| Benefits for Boarding or Pet Sitter Fees if You are Hospitalized for more than 96 hrs. | None | Yes - $500 Limit |
| Benefits for Vacation Cancellation Expenses Due to Your Pet's Illness or Injury | None | Yes - $1,000 Limit |
| Reimburse you for the Price you Paid for your Pet if lost Through Straying or Theft and Does not Return or is Not Recovered | None | Yes - $500 Limit |
| Discounts Available | Yes - See List (6) | Yes - See List (7) |
| Monthly Processing Charge | None | Yes- $2.00 |
| Monthly Premium | $38.31 - Dog $13.18 - Cat |
$47.23 - Dog (4) $20.42 - Cat (4) |
|
(1) Policies and data are available for viewing at www.purinacare.com.
(6) Multiple Pet Discount - 5% for 2nd pet, 10% for 3 or more. (6) Veterinary Employee Disc. 10% Employee Benefit Plan Discount 5% |
(2) Data available for viewing at www.gopetplan.com. The Pet Health Insurance Policy Provided by the AGCS Marine Insurance Company
(3) At the $100 deductible level, applying the deductible AFTER the co-insurance is applied results in $20 less benefits being paid (regardless of the amount of the claim) compared to applying the deductible BEFORE co-insurance is applied. Note: The dollar amount of the difference will vary with the deductible level selected by the policyholder and occurs only with the first claim of the policy term. (4) Premium shown includes a 5% on-line enrollment discount. (7) Maximum Discount Available is 10% per pet which is in addition to the 5% online discount automatically applied at enrollment. Microchip Discount - 10% Multiple Pet Discount - 10% Veterinary Prof. Discount - 10% Medical Services Pet Disc. - 10% Strategic Partner Disc. - 5% Employee Benefit Plan Discount 10% |
The description of PetPlan policy was not furnished by PetPlan. If there are questions regarding the illustration, please contact a representative of PetPlan. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and that premium costs may vary by location, zip code, age, and other variables. Current premium and policy features, as well as costs, should always be confirmed by accessing the companies website at http://www.gopetplan.com/ or by calling them at 1-866-467-3875.
| Policy Questions | PurinaCare Pet Health Insurance | Pets Best Insurance |
| Plan Name | PurinaCare Plus Preventive Care with $250 Annual Deductible (1) | Pets Premier Plan Plus Best Wellness with $250 Per Incident Deductible (2) (3) |
| Choice of Annual Deductible | Yes - Choice of $250, $500, $1000 | No - Only Per Incident |
| Choice of Co-Insurance | Yes - 20%, 30% or 40% | None |
| Per Incident Deductible Available | None | Yes - Choice of $100, $250, $500 |
| Per Incident Limits | None | $14,000 |
| Annual Limits | $20,000 | No Defined Annual Limits |
| Lifetime limits | None | Yes - $100,000 |
| Co-Insurance for This Example | 20% | 20% |
| Insurance Coverage for This Example | 80% | 80% |
| Waiting Period | Preventive Care - 0 days Accident - 2 days, Illness - 14 days |
Illness and Wellness - 14 days Accident - 3 Days |
| Congenital Coverage | Yes, if Manifested After Policy Waiting Period | None |
| Pregnancy Coverage | None | $500 (Not Available for all Breeds) |
| Anterior Cruciate Medical & Surgical Coverage | After 2 weeks | After 12 months |
| Patella Luxation Coverage | Yes | No (Considered to be Congenital) |
| Hereditary Limits | $20,000 per year | $2500 Lifetime If Enrolled Before 2nd Birthday. No Coverage if Enrolled After 2nd Birthday |
| Behavior Therapy Coverage | Yes - If By a Veterinarian in a Clinical Setting | Yes, Limited to $400 Lifetime |
| Chiropractic and Acupuncture Coverage | Yes | Yes, Limited to $500 Lifetime |
| Mortality Expenses | Yes - Euthanasia only when Medically Indicated | Yes - Limited to Euthanasia and Disposal for Humane Reasons Only |
| Maximum Payable Annual Preventive Care Benefit Available at 20% Co-Insurance Level | $715 (May Be Subject to Deductible) |
$380 Dog, $445 Cat (Includes $25 for Flea, Tick and Heartworm Prevention) (Not Subject to Deductible) |
| Annual Preventive Care Premium Costs | $185.40 | $264.00 |
| Wellness or Preventive Care Expenses Apply to Deductible | Yes | No |
| Deductible Applies to Wellness or Preventive Care | Yes | No |
| Monthly Premium | $46.88 Dog $15.41 Cat |
$82.29 Dog $59.10 Cat |
|
(1) PurinaCare also offers PurinaCare without Preventive Care. Policy and data available for viewing at www.purinacare.com
|
(2) Information taken from Aetna Pets Accident & Illness Policy Insurance Agreement Edited 8/08 and from information provided by www.petsbest.com.
(3) Pets Best offers additional policies available for viewing at www.petsbest.com. |
The description of PetsBest policy was not furnished by PetsBest. If there are questions regarding the illustration, please contact a representative of PetsBest. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and that premium costs may vary by location, zip code, age, and other variables. Current premium and policy features, as well as costs, should always be confirmed by accessing the companies website at http://www.petsbest.com/ or by calling them at 1-866-929-3807.
| Policy Questions | PurinaCare Pet Health Insurance | Trupanion Pet Insurance |
| Plan Name | Purina Care Without Preventive Care with $250 Annual Deductible(3) | Trupanion Plan with $250 Per Incident Deductible(1) |
| Choice of Annual Deductible | Yes - Choice of $100, $250, $500, $1000 | No - Only Per Incident |
| Choice of Co-Insurance | YES - 20%, 30% or 40% | NO |
| Per Incident Deductible Available | None | Policyholder Can Select any dollar amount from $0 - $1000 |
| Examination Fee Deductible | None | YES - Because Exam Fees are not Covered, They Become Deductibles When Charged During an Office Visit or During Hospitalization of a Sick or Injured pet |
| Annual Limits | $20,000 | None |
| Co-Insurance for This Example | 20% | 10% |
| Insurance Coverage for This Example | 80% | 90% |
| Waiting Period | Accident - 2 days Illness - 14 days |
Accident - 5 days Illness - 30 days |
| Hip Dysplasia and Feline Kidney Transplant Coverage Available? | YES (No Additional Premium Required) |
YES, Additional Premium Required (Included in Monthly Premium Below) |
| Coverage for Service, Therapy, Law Enforcement, Search and Rescue, Herding, Hunting, Sled, and Guard Dog Activities Available? | YES (No Additional Premium Required) |
YES, Additional Premium Required (Not Included in Monthly Premium Below) |
| Coverage for Conditions Relating to Breeding, Whelping, and Queening Available? | No | Yes, Additional Premium Required (Not Included in Monthly Premium Below) |
| Organ and Bone Marrow Transplants and Stem Cell Therapy Covered? | YES | NO |
| Therapeutic Diet Coverage Available? | NO | YES |
| Non FDA-Approved Dietary Supplements For Therapeutic Treatment Covered? | NO - Only FDA-Approved Pharmaceuticals | YES |
| Chiropractic Treatments Covered | YES | NO |
| Behavior Therapy, Acupuncture, Physical or Hydro Therapy Coverage | YES (No Additional Premium Required) |
YES, Additional Premium Required (Included in Monthly Premium Below) |
| Dental Medical Care Covered | YES | NO |
| Coverage Available for Conditions Resulting from Track or Sled Racing? | YES | NO |
| Conditions Resulting from Failure to Spay or Neuter Covered | YES | NO, Unless Surgery is Prior to 1st Birthday, Within 30 days of adoption, or if timing of surgery was recommended |
| Annual Preventive Care Coverage Available | YES - With PurinaCare with Preventive Care Option | NO |
| Premium Increase with Age? | YES, at Ages 5, 8, and 10 | NO |
| Additional Benefits Package Available? (2) | NO | YES - Additional Premium Required (Not Included in Monthly Premium Below) |
| One Time Admin Fee Charged? | NONE | YES - $35.00 |
| Monthly Premium (Note: Premiums may vary by location , zip code, or enrollment age) | $31.43 Dog $10.41 Cat |
$59.04 Dog $31.18 Cat |
|
(3) Policies are available for viewing at www.purinacare.com.
|
(1) Information taken from Trupanion Pet Health Insurance Policy Dated 08/11 and from information provided by www.trupanionpetinsurance.com as of 11/10/2011
(2) See www.trupanionpetinsurance.com for benefit details. |
The description of Trupanion policy was not furnished by Trupanion. If there are questions regarding the illustration, please contact a representative of Trupanion. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and that premium costs may vary by location, zip code, age, and other variables. Current premium and policy features, as well as costs, should always be confirmed by accessing the companies website at http://www.trupanionpetinsurance.com/ or by calling them at 1-800-569-7913.
| Policy Questions | PurinaCare Pet Insurance | VPI |
| Plan Name | PurinaCare Plus Preventive Care with $250 Annual Deductible (1) | Major Medical with Care Guard Premier and $250 Annual Deductible (2) |
| Choice of Annual Deductible | Yes - Choice of $100, $250, $500, $1000 | Yes - Choice of $100, $250, $500, $1000 |
| Choice of Co-Insurance | Yes - 20%, 30% or 40% | None |
| Per Incident Deductible | No | No |
| Limits Payments by Benefit Schedule | No | Yes |
| Co-Insurance for This Example | 20% | Any amount exceeding Benefit Schedule Allowance |
| Insurance Coverage for This Example | 80% | 100% of benefit schedule |
| Annual Limits | $20,000 | $14,000 |
| Maximum Payable Annual Preventive Care Benefit Available at 20% Co-Insurance Level | $715 - Benefit $217.32 - Cost Dog $71.88 - Cost Cat (Subject To Deductible) |
$380 - Benefit $264 - Cost (Not Subject To Deductible) |
| Hereditary Coverage | After 2 weeks | After 1 year |
| Annual Hereditary Limits | $20,000 | $250-Diagnostics $500-Surgical |
| Anterior Cruciate Medical & Surgical Coverage | After 2 weeks | After 12 months |
| Behavior Therapy Coverage | Yes | No |
| Age Restrictions | No | Yes |
| Per Incident limits on Accidents & Illnesses | No - Only Annual Limits | No - Only Benefit Schedule and Annual Limits |
| Monthly Processing Fee | No | Yes - $2.00 |
| Monthly Premium (Note: Premiums may vary by location or zipcode) | $46.88 -Dog $15.21 - Cat |
$54.41 - Dog $44.47 - Cat |
|
(1) Information available at www.purinacare.com
|
(2) Information above is available from www.petinsurance.com, an actual policy, or additional VPI policy documents, as of 11/10/11. Check state for availability.
|
The description of VPI policy was not furnished by VPI. If there are questions regarding the illustration, please contact a representative of VPI. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and that premium costs may vary by location, zip code, age, and other variables. Current premium and policy features, as well as costs, should always be confirmed by accessing the companies website at http://www.petinsurance.com/ or by calling them at 1-888-899-4VPI (4874).
