PurinaCare Dog Insurance

Purina, long a trusted name in canine nutrition, also offers insurance to provide your dog with the protection it needs. PurinaCare Dog Insurance wants to make caring for your dog’s health as easy as possible. PurinaCare offers no lifetime limits on claims, and there are also no per incident restrictions on illness or accident. The dog owner can go to any veterinarian in the state where service is given.

While PurinaCare does not provide dog insurance policies for pre-existing conditions, there is no limit on each medical incident and there is an annual limit of $20,000. Coverage is also available for behavioral therapy. There is no upper age limit for enrollment, although a dog must be 8 weeks old before any enrollment can begin.

PurinaCare Dog Insurance offers two basic policies for the dog owner to choose from: PurinaCare plus Preventive Care and PurinaCare without Preventive Care. Both of these policies offer treatment of illnesses, accidents and injuries, diagnostic procedures (x-rays, blood tests, etc.), hospitalization, surgical procedures, prescription medicines, and hereditary conditions. The owner of the purebred dog will be glad to discover that heredity conditions will be covered under both these plans.

PurinaCare plus Preventive Care adds a range of wellness categories to the above list. Under this plan, your dog will receive an annual physical exam, vaccinations, dental cleaning and polishing, spay/neuter, and heartworm and flea preventives.

PurinaCare without Preventive Care has its costs associated with the amount of deductible chosen by the dog owner. With a $100 deductible, this policy will cost $38.31 per month. The most popular deductible, $250, will bring the policy down to $31.43 per month. To lower the cost even more, the $500 deductible will bring the monthly policy premium down to $23.51. Finally, if the dog owner prefers to maintain a high deductible while still providing for catastrophic illness, the policy with a $1,000 deductible will cost $14.37 per month.

Anyone who wants to make sure that their dog will be able to receive proper care in case of illness or accident should remember that the cost of veterinary care continues to rise. As new technologies are made available, costs will generally rise. Sophistication of care means a higher cost to you. Your out of pocket payments or savings might not be enough to pay for a serious illness or accident.

PurinaCare plus Preventive Care and PurinaCare without Preventive Care both reimburse the dog owner 80% of allowable expenses. This is after the deductible has been met, of course. The deductible is applied for the whole year, not just per incident, another helpful factor.

To file a claim with PurinaCare, the policy holder should print out a claim form prior to going to the veterinarian. The form is then filled out by the health provider and you, then can be mailed or faxed along with the receipt for payment.