Pet Insurance Review - compare rates & benefits     Home | Blog | About | For Vets | Contact   Browse: Pet Insurance 101 Dog Insurance Cat Insurance Canada Dog Insurance Canada Cat Insurance How To: Get Quotes Select an Insurer Make a Claim Save Money Find Vets US Pet Insurers Petplan USA Healthy Paws Pets Best AKC Embrace  Petfirst Healthcare Trupanion VPI Hartville 24PetWatch PurinaCare ASPCA Protect Your Bubble Canada Pet Insurers Petplan PetCare Trupanion Petsecure PurinaCare PC Financial Hbc  Petfirst Healthcare Other Options Pet Assure Banfield PetSmart PETCO United Pet Care Breeds UK Pet Insurance Privacy Pethealth Inc. (PetCare brand) 710 Dorval Drive, Suite 400 Oakville, ON L6K 3V7 phone: (866) 275-7387 (PETS) website: http://www.petcareinsurance.com Claim form: click here Average Rating 4.7 out of 10 add your rating PetCare is the canadian insurance arm of Pethealth, Inc. Pethealth offers a range of products and services for veterinarians, shelters and pet owners through a number of brands including QuickCare, ShelterCare, CherryBlue, Union Plus Pet Insurance, EVE and Petpoint. Most Helpful Reviews of Pethealth (PetCare brand) . 7/10   Not Great, but worth the money, 1/15/2007 Reviewed By: Dave in N. Cal, Recommend: Y I've had my dog insured with this company for 4 years and plan to renew again. They rarely pay the full 80% because their "usual and customary expenses" are pretty conservative, but even at the more typical 60% that I receive it has been worthwhile. Customer service was initially poor but has been very good for the past year. They have been very strict about the rules concerning exclusions, pre-existing conditions, and waiting periods, so read your policy carefully. My rates have gone up about 10% each year, but my dog is getting quite old and has had several costly surgeries yet they keep renewing her so I'm satisfied. View Comments (1) | Was this review helpful to you?         5/10   Existing conditions suddenly appear , 2/12/2008 Reviewed By: Joanne Seward, Recommend: N We received three months of PetCare insurance when we adopted our dog three and a half years ago. After the three months were up we renewed the policy. At some point however, my husband was issued a new credit card and somehow the monthly PetCare fees did not transfer over. We discovered we were uninsured just when we actually needed the insurance. PetCare *very nicely* offered to issue a new policy if we paid for the full year in one payment, which we did, and naturally, that particular vet trip wasn't covered as there's a waiting period. More important, however, is that there were exclusions in the new policy that we were not informed of--mammary tumors were excluded as we'd had a suspicious bump biopsied and removed at the time the dog had been spayed, and any skin allergies as she had once licked a paw raw. We still have no idea if this was an allergic reaction, a bug bite or simply habit (she's a paw licker nd that's that). In retrospect it seems to me that had PetCare reinstated the existing policy neither of these conditions would have been excluded. And, as I said, we were not aware that the dog supposedly had allergies. We did know the lump had been pre-cancerous. It was removed when she was spayed and that was that, in our minds. Well, this past November I discovered a lump on her rib cage that the vet thought was a fatty cyst. It was *not* a mammary tumor. We had it biopsied just to be safe. At the same time she'd been scratching tremendously. The vet decided it was probably a food allergy. She switched us to a special food. When we submitted the claim for the office visit and the biopsy we received a letter saying the vet's info had not been submitted. This was *after* a phone call saying they'd received our claim. The secretary at the vet's said she would fax the info again despite having the time and date of the original submission in her files. We then received a letter saying that the claims were for pre-existing conditions and there would be no payment. The vet's office basically said this was not so, the cyst was different from a mammary tumor, and they resubmitted yet again, specifying that the biopsy of the cyst was not not allergy related nor a mammary tumor. The claim was still denied. I suspect that anything even vaguely related to cancer of any sort or anything on her skin will also be denied. We had just renewed shortly before all of this took place. Don't know if it's worthwhile renewing next year. It seems to me that they will link anything they possibly can to supposed skin allergies or cancer...So I don't know that I'd recommend them. I'd do more research first, see what people say about other companies. Only if they're worse than this would I do so. I'm thinking that a savings account with a decent interest rate might be a better way of setting aside money for pet illnesses...Not sure but at least I wouldn't deny my own claims. In the case of the only claim we ever made that wasn't denied, the reimbursment didn't nearly equal the outlay. I think it was about one quarter or one third of the actual fees I'd paid. I'd say "buyer beware"...And I agree with the reviewer who said they try to wiggle out of legitimate claims. The phone staff are lovely (when you finally reach them) but the powers that be are less than just. View Comments (13) | Was this review helpful to you?         5/10   Just OK, 4/4/2007 Reviewed By: Melissa, Recommend: Y I have had the 70% Quickcare Gold coverage for 2 years for both my dogs. While my first dog has had a pretty decent reimbursment rate for allergies, she has almost maxed out her coverage in this catagory (where she needs it the most). Beware, the max coverage ($3,000 per catagory)amounts DO NOT renew annually. Now with my 2nd dog, he ingested a bee (I would call it an accident)and had a horrible bout of vomitting. He was rushed to the ER ($800). The accident coverage was suppose to start from day 1. It was excluded - Now his vomitting is excluded from any coverage. Every claim I have made for my 2nd dog has not paid anything. My premiums have gone up about $75/year per dog. My dogs are 2 and 1 years old, not worth it for me in the long run. View Comments (5) | Was this review helpful to you?           Read more reviews... | Add your own review Most Recent Reviews 10/10   Pleasantly Surprised!, We had paid the monthly premium for nine years and never submitted a claim. When our cat got seriously ill and… read more Added 4/19/2013 by: George   1/10   Be prepared to fight tooth and nail, We've had insurance with these guys since 2007 when we adopted our cat. When our cat was ill (he ingested a… read more Added 4/10/2013 by: Mark B   1/10   Poor coverage, My dog had an accident hiking and hurt himself. 24petwatch denied the claim. read more Added 4/9/2013 by: Scott Robinson   1/10   They are a joke !, We were quickly approved and we took our puppy home that same day .However, just a few days after we adopted… read more Added 4/7/2013 by: Cathy S.   3/10   Very Slow Payment on Claims, I filed two claims through my vet in early February. When I called to inquire about the status in mid-March I… read more Added 4/4/2013 by: D L Harris   5/10   50/50 or so-so, I've had pet insurance for several cats, this company is about 50/50 as far as what is covered (first cat had… read more Added 3/17/2013 by: J   8/10   We had no issues!, I had to use the gift policy I received from my humane society for my six month old puppy when she got into… read more Added 3/8/2013 by: PB   Review Pethealth (PetCare brand) review policy Review Title (if you could say it in one sentence, what would you say?) Your Review (tips) DO tell us specifics about your pet's illness or injury DO tell us whether you were happy with how your claim was handled DON'T use profanity or personal insults DON'T write in ALL CAPS Overall Rating (1 - worst, 10 - best)     -- please select -- 1 - worst 2 3 4 5 6 7 8 9 10 - best Would you recommend this company to other pet owners? Yes   No Your Name Tell us about your pet Type: Dog     Cat Breed:   -- please select -- Mixed Breed Affenpinscher Afghan Hound Ainu Dog Airedale Terrier Akita Alaskan Malamute American Bulldog American Cocker Spaniel American Eskimo Dog American Foxhound American Hairless Terrier American Staffordshire Terrier American Water Spaniel Anatolian Shepherd Dog Anglo-french Hounds Appenzell Mountain Dog Ariegeois Armant Artois Hound Atlas Dog Australian Cattle Dog Australian Kelpie Australian Shepherd Australian Short-haired Pinscher Australian Silky Terrier Australian Terrier Austrian Coarse-haired Hound Austrian Hound Auvergne Setter Balkan Hound Banjara Greyhound Basenji Basset Artesien Normand Basset Griffon Vandeen Basset Hound Bavarian Mountain Dog Beagle Beagle Harrier Bearded Collie Beauce Shepherd Beauceron Bedlington Terrier Beldington Terrier Belgian Malinois Belgian Sheepdog Belgian Shepherd Belgian Shepherd Malinois Belgian Shepherd Tervuren Belgian Tervuren Bergamasco Berger De Bresse Berger De Savoie Berger Du Languedoc Bernese Hound Bernese Mountain Dog Bichon Frise Billy Black And Tan Coonhound Black Forest Hound Bloodhound Blue Heeler Blue Lacy Bluetick Coonhound Bolognese Border Collie Border Terrier Borzoi Bosnian Coarse-haired Hound Boston Terrier Bourbonnais Setter Bouvier Des Flandres Boxer Boykin Spaniel Brazilian Guard Dog Brazilian Tracker Briard Briquet Griffon Vendeen Brittany Broholmer Brussels Griffon Bull Terrier Bulldog Bullmastiff Cairn Terrier Canaan Dog Cane Corso Cardigan Corgis Cardigan Welsh Corgi Carolina Dog Catahoula Leopard Catalonian Shepherd Cavalier King Charles Spaniel Cesky Terrier Charplaninatz Chesapeake Bay Retriever Chihuahua Chinese Crested Dog Chinook Chow Chow Clumber Spaniel Cockapoo Cocker Spaniel Collie Coton De Tulear Curly-Coated Retriever Czech Coarse-haired Setter Czesky Terrier Dachsbrackes Dachshund Dachshunds Dalmatian Dalmatian Mix Dandie Dinmont Terrier Danish-Swedish Farm Deerhound Deutsche Wachtelhund Dingo Doberman Dogo Argentino Dogue De Bordeaux Drentse Partridge Dog Drever Dunker Dupuy Setter Dutch Shepherds Elkhound English Bull Terrier English Bulldog English Cocker Spaniel English Coonhound English Foxhound English Setter English Shepherd English Springer Spaniel English Toy Spaniel English Toy Terrier Entlebuch Mountain Dog Eskimo Dog Estonian Hound Estrela Mountain Dog Eurasier Feist Field Spaniel Fila Finnish Hound Finnish Spitz Flat-coated Retriever Fox Terrier French Bulldog French Hounds French Setter French Spaniel Gascons-saintongeois German Hunt Terrier German Pointer German Shepherd German Shorthaired Pointer German Spaniel German Spitz German Wirehaired Pointer Giant Schnauzer Glen Of Imaal Terrier Golden Retriever Goldendoodle Gordon Setter Grand Griffon Vandeen Great Dane Great Gascons-Saintongeois Great Gascony Blue Great Pyrenean Great Pyrenees Greater Swiss Mountain Dog Greek Greyhound Greenland Dog Greyhound Griffon Vendeen Haldenstovare Hamiltonstovare Hanover Hound Harlequin Pinscher Harrier Havanese Hellenic Hound Hovawart Hungarian Coarse-Haired Vizsla Hungarian Greyhound Hungarian Kuvasz Hungarian Puli Hungarian Vizsla Hygenhund Ibizan Hound Ibizan Wolfhound Iceland Sheepdog Intalian Greyhound Irish Red Setter Irish Setter Irish Terrier Irish Water Spaniel Irish White Setter Irish Wolfhound Istrian Hounds Italian Greyhound Italian Segugio Italian Setter Italian Spinone Italian Spitz Jack Russell Terrier Jamthund Japanese Akita Japanese Chin Japanese Fighting Dog Japanese Kai Ken Japanese Kishu Japanese Spitz Japanese Terrier Jindo Jura Hounds Kangal Dog Kangaroo Hound Karelian Bear Dog Karst Shepherd Keeshond Kerry Blue Terrier King Charles Spaniel King Shepherd Komondor Kooikerhondje Kromfohrlander Kuvasz Labrador Mix Labrador Retriever Labradoodle Laikas Lakeland Terrier Lancashire Heeler Lapland Spitz Lapponian Herder Large Munsterlanders Leonberger Levesque Lhasa Apso Llewellin Setter Lowchen Lucernese Hound Lundehund Lurcher Majestic Tree Hound Majorcan Bulldog Maltese Manchester Terrier Maremma Sheepdog Mastiff Mexican Hairless Dog Miki Mini Doxin Miniature Bull Terrier Miniature Dachshund Miniature Pinscher Miniature Poodle Miniature Schnauzer Miniature Spitz Miniature Yorkie Mixed Breed Mountain Cur Mudi Neopolitan Mastiff New Guinea Singing Dog Newfoundland Nivernais Griffon Norfolk Terrier Norwegian Buhund Norwegian Elkhound Norwich Terrier Nova Scotia Duck Tolling Retriever Oeruvian Inca Orchid Old Danish Pointer Old English Bulldogge Old English Sheepdog Otterhound Papillon Parson Jack Russell Terrier Peek-a-poo Pekingese Pembroke Welsh Corgi Peruvian Inca Orchid Petit Basset Griffon Vendeen Petit Brabancon Pharaoh Hound Picardy Shepherd Pinscher Pit Bull Plott Hound Pointer Poitevin Polish Lowland Sheepdog Pomeranian Pont-audemer Spaniel Poodle Poodle (toy) Porcelaine Portuguese Podengo Portuguese Setter Portuguese Sheepdog Portuguese Watchdog Portuguese Water Dog Posavatz Hound Presa Canario Pudelpointer Pug Puli Pumi Pyrenean Mastiff Pyrenean Mountain Dog Pyrenean Shepherds Queensland Heeler Rafeiro Do Alentejo Rat Terrier Redbone Coonhound Rhodesian Ridgeback Rottweiler Rough Collie Rumanian Shepherd Dog Russian Hounds Russian Sheepdog Saint Bernard Saint-german Setter Saluki Samoyed Schapendoes Schiller Hound Schipperke Schnauzer Scottish Deerhound Scottish Terrier Sealyham Terrier Shar-pei Shar-pei Mix Sheltie Shepherd Mix Shetland Sheepdog Shiba Inu Shih Tzu Shiloh Shepherd Siberian Huskey Siberian Husky Sicilian Hound Silky Terrier Skye Terrier Sloughi Slovakian Kuvasz Sluki Smaland Hound Small Blue Gascony Griffon Small Gascons-Saintongeois Small Gascony Blue Small Munsterlanders Small-sized French Setter Smooth Collie Smooth Fox Terrier Soft Coated Wheaten Terrier Spanish Greyhound Spanish Hounds Spanish Mastiff Spanish Pointer Spinone Italiano Spitz Springer Spaniel Stabyhoun Staffordshire Bull Terrier Staffordshire Terrier Standard Poodle Standard Schnauzer Steinbracke Stephens` Stock Sussex Spaniel Swedish Grey Dog Swedish Vallhund Swiss Hound Tahltan Bear Dog Tawny Brittany Basset Tawny Brittany Griffon Teacup Poodle Teacup Yorkie Telomian Terrier Terrier Mix Thai Ridgeback Tibetan Mastiff Tibetan Spaniel Tibetan Terrier Tosa Inu Toy Poodle Translvanian Hound Treeing Tennessee Brindle Tyrolean Hound Vizsla Walker Hound Weimaraner Welsh Corgis Welsh Springer Spaniel Welsh Terrier West Highland Terrier West Highland White Terrier Wetterhound Wheaten Terrier Whippet Wire Fox Terrier Wirehaired Pointing Griffon Wooly-Haired Griffon Yellow Lab Yorkshire Terrier Yugoslavian Mountain Dog -- please select -- Mixed Breed Abyssinian American Bobtail American Curl American Curl Shorthair American Longhair American Shorthair American Wirehair Angora Balinese Bengal Bengalese Burmese Birman Bombay British Shorthair Burmilla Calico California Spangled Cameo Longhair Chartreux Chausie Chinchilla Colorpoint Colorpoint Longhair Colorpoint Shorthair Cornish Rex Cymric Devon Rex Domestic Longhair Domestic Mediumhair Domestic Shorthair Egyptian Mau European Burmese European Shorthair Exotic Exotic Longhair Exotic Shorthair Havana Brown Highland Fold Himalayan Himalayan Blue Point Himalayan Flame Point Himalayan Lilac Point Himalayan Seal Point Japanese Bobtail Kashmir Korat Maine Coon Manx Mixed Breed Moggie Munchkin Nibelung Norwegian Forest Ocicat Oriental Oriental Colorpoint Oriental Longhair Oriental Shorthair Persian Pinto Pixie Bob Ragdoll Russian Blue Savannah Scottish Fold Scottish Fold Longhair Selkirk Rex Selkirk Rex Longhair Seychellois Siamese Siberian Singapura Snowshoe Somali Sphynx Tabby Tiffanie Tonkinese Turkish Angora Turkish Van Age (at the time of your claim):   Under a year   1 - 8   Over 8 years     Tell us about your claim Type of illness or accident: not sure ear problem eye problem skin problem cancer gastritis/vomiting enteritis/diarrhea bladder renal (kidney) thyroid other: Claim amount -- please select -- 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