$250 Annual Deductable applies to WellCare

Out of 10

I enrolled in PurinaCare to protect my otherwise healthy dog from unforseen incidents. I added the WellCare preventive care package to help with the costs of the usuals, flea treatment, heartworm preventative, dental cleaning. I was led to believe that the deductable would not apply to the WellCare. I submitted my claim Jan. 2009 and received a nice letter telling me the costs had been applied to my deductable. This may have been a miscommunication, but I feel I was lied to. I have cancelled and have paid $62 per month just to protect my pooch. I am now with another pet insurance provider and asked them straight up about the deductable. They said it didn't apply to preventative insurance. Let the buyer beware.

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Posted: 01/30/2009

I'm confused I'm looking to get Purina but there is no wellcare offering. There's preventative or non preventative care only. It states in the policy overview that all care even in the preventative package will go towards the deductible and won't be covered until the annual deductible is met. Meaning if you have a cat/dog and a $500 deductible you won't get reimbursed for care even for an annual until you meet that $500. The only benefit for that is if the animal gets injured or sick towards that year you've paid towards the deductible already.

Posted: 05/12/2009

I just checked with PurinaCare and verified that the coverage does not begin until the deductible has been met.

Posted: 08/08/2009

On purinacare's website and all paperwork that I received it clearly states, "We pay eligible completed claims as quickly as possible. ONCE YOUR ANNUAL DEDUCTIBLE IS MET, you will begin receiving reimbursement for 80% of eligible costs". It is sad that this reviewer's lack of reading provided information results in lowering the ranking of a qualified insurance provider.

Posted: 11/02/2009

Always important to READ the details in policy coverages.

Posted: 11/15/2009

If the well care is not paid until the deductible is met, but only counts towards the deductible, then it seems better to skip the well care option and get a lower deductible. I have a well care policy with my local vet, Banfield, that covers office visits and vaccinations, dewomer, and a few other items at about $21 a month, and it has already paid for itself. What I want the PurinaCare for is to cover catastrophic costs, so would probably go with the $1000 deductible. Wouldn't have helped that much for last weekends poison mushroom ingestion event, where the dog was in ICU for 20 hours and total cost was $1,500. But much worse costs can happen.

Posted: 06/25/2010

Get a contract!Download it, or they'll mail you one.
Get a piece of paper and write down the outline. Don't read things into the contract that aren't there. Advertising is NOT the contract. Advertising usually does not tell the whole story, or get the wording correct. Advertising may or may not be intended to mislead - but it can, even inadvertantly.
Read the contract to find out what you have. Purina has a grace period during which time you can undo everything if you are not happy - for any reason or no reason.
Read the contract.

Posted: 09/28/2010

I'm currently shopping insurance companies, and given the fact that the well care add-on adds anywhere from $3-7 to my quotes (instead of the $20 or so for other insurers), it makes sense that the deductible would apply. Shop and read carefully.

Posted: 10/12/2011

'I understood'...silly way to buy products. read the contract, buy it or don't. This type of consumer calls the merchant and whines and plays the victim, demanding services they did not pay for. Drives up the cost for rational consumers.