Are you a devoted pet parent seeking to provide the best possible care for your furry companion? Purina Care Pet Health Insurance can be your trusted partner in ensuring your beloved animal’s well-being. This comprehensive insurance plan offers a tailored approach, catering to the unique needs of your pet. With Purina Care, you can rest assured knowing that your furry friend will receive the necessary medical attention without breaking the bank.
Contents
What is Purina Care Pet Health Insurance?
Purina Care Pet Health Insurance is a comprehensive pet insurance plan that helps cover the cost of unexpected veterinary expenses for dogs and cats. The plan is underwritten by Independence American Insurance Company, a member of the Cigna family of companies. Purina Care offers three different levels of coverage, so you can choose the plan that’s right for your pet and your budget.
Plan Coverage
PetWellness:
- Covers routine care and preventative services, such as annual exams, vaccinations, and dental cleanings.
- Reimburses up to $250 per year per pet.
PetEssentials:
- Covers both routine care and unexpected veterinary expenses, including accidents, illnesses, and emergency treatments.
- Reimburses up to $1,000 per year per pet.
PetComplete:
- Covers routine care, unexpected veterinary expenses, and additional benefits, such as prescription medications, alternative therapies, and behavioral counseling.
- Reimburses up to $2,500 per year per pet.
Eligibility
Purina Care Pet Health Insurance is available to dogs and cats of all ages, breeds, and pre-existing conditions. However, there is a waiting period of 14 days for accidents and 30 days for illnesses before coverage begins.
Enrollment
To enroll in Purina Care Pet Health Insurance, you can visit the Purina Care website or call 1-800-787-4621. You will need to provide information about your pet, including their age, breed, and weight. You will also need to choose the level of coverage you want and provide payment information.
Premiums
Purina Care Pet Health Insurance premiums vary based on the level of coverage you choose, the age and breed of your pet, and where you live. You can get a free quote online or by calling 1-800-787-4621.
Deductibles and Co-pays
Purina Care Pet Health Insurance has a deductible of $100 per condition, per year. This means that you will need to pay the first $100 of each veterinary bill before your insurance coverage kicks in. After you meet your deductible, you will be responsible for a co-payment of 20%.
How to File a Claim
To file a claim with Purina Care Pet Health Insurance, you can visit the Purina Care website or call 1-800-787-4621. You will need to provide information about your pet, the veterinary services you received, and the amount of the bill. Purina Care will process your claim and send you a reimbursement check.
Benefits of Pet Insurance
Pet insurance can provide you with peace of mind knowing that you will be able to afford the unexpected veterinary expenses that come with owning a pet. Purina Care Pet Health Insurance offers a variety of benefits, including:
- Coverage for accidents and illnesses
- Coverage for routine care and preventative services
- Coverage for additional benefits, such as prescription medications, alternative therapies, and behavioral counseling
- Flexible coverage options to meet your budget
- Easy enrollment and claims filing
If you are a pet owner, Purina Care Pet Health Insurance can help you protect your furry friend from the unexpected costs of veterinary care.
Purina Care Pet Health Insurance: Coverage Options and Benefits
1. Accident-Only Coverage
This plan offers essential coverage for unexpected accidents, providing reimbursement for costs associated with veterinary care, such as lacerations, broken bones, and poisoning.
2. Accident and Illness Coverage
This broader plan covers both accidents and illnesses, expanding the range of eligible expenses to include conditions like cancer, infections, and chronic diseases.
3. Wellness Coverage
Wellness coverage supplements accident and illness coverage by offering reimbursement for routine care, such as annual checkups, vaccinations, and dental cleanings.
4. Hospitalization Coverage
In the event of a covered illness or injury, this plan provides reimbursement for hospital stays, including intensive care and emergency services.
5. Prescription Medication Coverage
Purina Care covers prescription medications prescribed by licensed veterinarians to treat covered conditions.
6. Annual Deductible Options
Policyholders can choose from various annual deductible options, which affect the amount of out-of-pocket expenses before coverage begins.
7. Reimbursement Percentage
The reimbursement percentage determines the amount of covered expenses that Purina Care will reimburse, ranging from 70% to 90%.
8. Coverage Limits
Each plan has coverage limits, which specify the maximum amount that Purina Care will reimburse for covered expenses in a given year.
9. Waiting Period
Purina Care has a waiting period for certain conditions, such as pre-existing conditions or newly acquired pets. This waiting period typically ranges from 14 to 30 days.
10. Exclusions
Like all pet health insurance policies, Purina Care has exclusions, such as cosmetic procedures, elective surgeries, and pre-existing conditions that were not previously covered.
Coverage Options
Purina Care offers three main coverage options:
1. Accident-Only Coverage
As the name suggests, this plan covers only accidents and emergencies. It is a basic plan that provides financial assistance for unexpected veterinary expenses resulting from accidents or injuries.
2. Accident & Illness Coverage
This plan expands on the Accident-Only Coverage by including coverage for illnesses, such as infections, allergies, and digestive issues. It offers a more comprehensive level of protection for pet owners.
3. Complete Coverage
This plan offers the most extensive coverage, including wellness care, such as annual checkups, vaccinations, and spaying/neutering. It is ideal for pet owners who want to ensure their pet receives the best possible care.
Covered Expenses
The specific expenses covered under each plan vary. However, some of the common expenses covered by Purina Care pet health insurance include:
| Expense Type | Coverage Options |
|---|---|
| Accidents and injuries | Accident-Only, Accident & Illness |
| Illnesses | Accident & Illness, Complete Coverage |
| Wellness care | Complete Coverage |
| Hospitalization | Accident & Illness, Complete Coverage |
| Surgery | Accident & Illness, Complete Coverage |
| Medications | Accident-Only, Accident & Illness |
| Diagnostic tests | Accident-Only, Accident & Illness |
Waiting Periods
Purina Care has a 14-day waiting period for accidents and a 30-day waiting period for illnesses. This means that you must have had your pet insured for at least 14 days before coverage for accidents will begin, and for at least 30 days before coverage for illnesses will begin.
Deductibles
The deductible is the amount you pay out of pocket before your insurance coverage kicks in. Purina Care offers a range of deductibles to choose from, depending on your budget and risk tolerance.
Coinsurance
Coinsurance is the percentage of covered expenses that you are responsible for paying after meeting your deductible. Purina Care offers coinsurance options of 10%, 20%, or 30%.
Thanks for Reading!
Thanks for taking the time to read our article on Purina Care pet health insurance. We hope you found it helpful. If you’re considering pet insurance, we encourage you to do your research and compare different plans to find the one that’s right for you and your furry friend. And if you have any questions, please don’t hesitate to reach out. We’re always happy to help. Thanks again for reading, and we hope to see you again soon!
