Program Details
We have specifically
designed our policies to provide you and your dog the protection you both deserve.
QuickCare Gold policies
provide comprehensive accident and illness coverage for your dog.
You should know ...
You can enrol your dog as early as 8 weeks of age
QuickCare Gold accident coverage can begin at 8 weeks. Enrolment
in QuickCare Gold is possible up to 8 years of age (6 years of age for "Select"
breed dogs). Provided your dog is enrolled before 8 years of age (6 years of
age for "Select" breed dogs) coverage continues for the rest of his
or her life.
Your accident coverage begins immediately
For QuickCare Gold policies, accident coverage begins
at 12:01 AM the morning after your enrolment application is approved. QuickCare
Gold illness coverage will begin 21 days following enrolment.
You may be eligible for an immediate discount
If you are insuring three or more pets, or alternatively
if your pet is registered as a ´Medical Service´ pet, we will give
you a 10% discount on each premium. Only one discount is applicable per pet
and policy.
There is a small "Select" breed surcharge
Select Breeds: American Staffordshire Terriers, Basset Hounds, Basenjis, Boxers, Bulldogs, **Bull Terriers, Dalmatians, Deerhounds, Doberman Pinschers, Dogue de Bordeaux, German Shepherds (including German Shepherds, King), All Greyhounds (including Italian Greyhounds), Great Danes, Irish Wolfhounds, Leonbergers, All Mastiff breeds, All Mountain Terriers/Dogs, Newfoundlands, Old English Sheepdogs, Peruvian Inca Orchid, Pharaoh Hounds, Pit Bull Terriers, Rottweilers, St. Bernards, Staffordshire Bull Terriers, Wheaton Terriers.
**Bull Terrier Group includes Pitbulls, American Staffordshire and Staffordshire Bull Terriers
*** Chinese Shar-pei and Shar-pei cross-breeds are eligible for accident coverage only.
Deductibles
Payable only if an illness or accident claim
is made, once per policy term year:
-$100 for pets under 5
-$150 for
pets between 5-10
-$250 for pets 10 and up
Co-insurance
QuickCare Gold policies do not require co-insurance to be
withheld from payments on a claim until your pets 8th birthday (6th birthday
for ´Select´ breeds). After that date, you are responsible to pay
20% of your claim.
Monthly Pay Plan
Fee
In the event that you choose to pay on a monthly basis a $1.50 pay plan
fee will be added to your monthly billing. This fee is waived if you pay on an
annual basis.
QuickCare Gold Accident Coverage
QuickCare Gold policies provide coverage for an unlimited
number of accidents, each covered to the maximum benefit as detailed on the
coverage chart. There are no maximum annual or lifetime accident benefit restrictions.
QuickCare Gold 70% Coverage
You are provided with coverage for up to 70% of veterinary
care fees in the event that your companion animal should suffer a covered
illness or accident. Your QuickCare Gold 70% Coverage policy requires that you
pay only 30% of eligible fees along with the applicable annual
deductible.
QuickCare Gold Illness Categories
QuickCare Gold has divided illness coverage into 12 illness
categories to provide maximum flexibility and accessibility each and every year.
There are no maximum annual illness benefit restrictions. The maximum benefit
payable for each illness category is detailed on the coverage chart. The categories
are: cardiovascular & respiratory system, digestive system, urogenital system,
musculoskeletal system, nervous system, eyes, ears, skin, endocrine system,
blood and lymphoid system, infectious diseases, and cancer.
Routine Care Coverage
Routine care (e.g. vaccinations and parasite prevention)
is a budgetable expense and not covered by your policy. Programs are designed
to provide more comprehensive coverage for those things pet owners cannot budget
for. Our approach is to protect you and your four-legged family member from
the high costs of the unexpected and the unforeseen. Routine care is not covered
to ensure you don´t pay your insurance company more than you would pay
your veterinarian directly.
A common-sense exclusion
We reserve the right to exclude from coverage any pre-existing medical problem (including those that occur during the 21 day waiting period for illness coverage with QuickCare Gold). After your QuickCare Gold application is processed, you will be sent your Document of Insurance, which will indicate any exclusions.
To keep your policy in force, take your veterinarian´s
advice
We ask you to have your dog examined annually by your
veterinarian and kept current with the vaccinations he/she recommends. It´s
a good way to keep your dog healthy, and it´s also a condition of your
continued coverage.
Policy renewals
Your policy renews monthly, provided your premium payments
are up to date. Your policy can be canceled by you or by us, with proper notice
as described in your policy Terms and Conditions.
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