Pet insurance

Pet insurance tips

• A good diet and preventative health care is the best way to keep pets healthy and to avoid big pet medical expenses or veterinary bills. Read more advice on pet health.
   
• Preventative pet health care tips for dogs & cats
   
• What should you feed your pet? Find out here.
• Union-made pet products. 

FAQ

My pet is always healthy – why should I buy pet insurance?
Even though your pet is healthy today, he may not be tomorrow. We have many calls each year from pet owners who want to purchase pet insurance after the animal has become sick or hurt, unfortunately by that time it is too late to cover that accident or illness. Premiums are low and the benefits are high – preparation today may allow you to avoid heartache tomorrow.

I love my dog but my friend told me that it may get hip dysplasia what should I do?
It is true that some breeds are more prone to hip dysplasia or other hereditary defects, PetCare offers the QuickCare Gold (70% and 90%) and QuickCare Complete insurance programs that would cover your dog in the event that hip dysplasia was diagnosed and needed treatment. You may enroll your pet from the age of 8 weeks and if you are concerned you should enroll sooner rather than later – if a problem is diagnosed or symptomatic prior to enrollment or during the 30 day waiting period for illness coverage it will be deemed a pre-existing condition and will not be covered.

I spent thousands of dollars on my last pet’s cancer treatment, I want to make sure that my new puppy is covered to the max – what product should I buy?
We have a variety of products that will provide your new puppy with coverage specifically for cancer. QuickCare Gold provides coverage for all accidents and all illnesses with $3,000 - $6,000 specifically earmarked for cancer coverage, QuickCare Complete also provides coverage for all accidents and all illnesses with $5,000 specifically earmarked for cancer coverage.

How much money will I actually get back when I make a claim?
The amount of money that you will get back is determined by three things:
•    a) the amount of coverage that you have purchased for that specific accident or illness,
•    b) the deductible on the program that you have chosen and
•    c) the percentage coverage offered by your program choice.
Please go to Selecting the Right Coverage for examples of amount paid by program.

I want to buy pet insurance but I'm worried that I might not be able to afford it.
Don't be concerned, PetCare offers you choice and flexibility. Please call us at 1-877-897-7387 and ask to speak to one of our sales representatives who will make sure that you make the decision that's right for you.

What happens if I find I don't have enough coverage?
You can upgrade your policy at any time by calling one of our customer care representatives at 1-877-897-7387

Is there any restriction on which veterinarian that I can take my pet to?
No. You may go to any licensed veterinarian in North America, traditional veterinarians, alternative therapists or specialists as long as the veterinarian is licensed.

Do your Programs cover the diagnosis as well as the treatment of accidents and illnesses?
Yes our programs cover the diagnosis, testing and treatment of the covered accidents and illnesses, including veterinary visits, laboratory tests, X-rays, MRIs, CAT scans, hospitalization, prescription food and prescription medications.

What kind of Discounts do you Offer?
There are a variety of discounts available on the PetCare Pet Insurance Programs including, multi-pet discounts, microchipping discounts, group benefit discounts and more. When you enroll your pet please make sure that you fill in all the required fields to ensure that you get the appropriate discount.

Do I need EmergencyCare Insurance for my Pet?
Yes. We would advise it - EmergencyCare Insurance is a unique program that provides $3,000 coverage for life-saving treatment for your pet if it gets hurt or ill when it is lost. $19.95 per year is all it costs to give emergency personnel the ability to save your lost pet’s life.

I live in Rental Accommodation and my landlord does not like pets – is there a program for me?
Yes – TenantCare will provide you with selected accident and illness coverage for your pet PLUS up to $700 third party liability coverage to set your landlord’s mind at ease!

After signing up my pet, can I still see my regular veterinarian?
Yes. You can use the licensed veterinarian of your choice.

What is a "micro-chip"?
A micro-chip is a device that is implanted under the skin of your pet. If your pet is lost, many shelters are able to read your pet's contact information from the chip and are able to contact you to return your pet.

What are my payment options?
For monthly premiums, we accept Visa, MasterCard, Discover Card or Automatic Deductions from a Checking Account. For annual premiums, we also accept Visa, MasterCard, and Discover Card, as well as a check or money order. For all Discover Card payment, please contact our call center. At this time we do not process Discover Card over the web. In the event that you choose to pay on a monthly basis a $2.00 pay plan fee will be added to your monthly billing.

What if I want to enroll more than one pet?
Each pet receives its own policy. You can use our online enrollment system to enroll all your pets in one convenient process without having to fill out multiple application forms. If you enroll three or more pets you are eligible for a 10% discount per policy. Maximum discount 10% per pet per policy. If you are insuring two or more pets, and one of the pets enrolled is a cat, you will receive a 5% discount on each premium. If your pet is registered as a 'Medical Service' pet, you will receive a 10% discount on each premium.

How do I make a claim?
Mail or fax in a completed one page claim form completed by yourself & your attending veterinarian along with the detailed receipts. Fill out a claim form.

 

Eligibility

The Union Plus Pet Insurance Program is available in the Unites States. It is not available in Quebec, Canada; Guam; Puerto Rico; and Virgin Islands.

Who is eligible?

• Dues-paying labor union members of participating unions
• Retired labor union members
• Spouse, domestic partner and children of union members
• Widows/widowers of union members
• Union Plus credit cardholders

Customer Service

• Info kit: Request a pet insurance information kit on the UnionPlusPets.com site.
   
• Get a quote: Get a free online quote for pet insurance on the UnionPlusPets.com site.
   
• Enroll: You may also enroll in the veterinary pet insurance program from Union Plus online.
   
• Claims: If you are already enrolled with Union Plus Pet Insurance, you may submit your insurance claim on the UnionPlusPets.com site.
   
• Other questions? Call the Union Plus Pet Insurance program at 1-866-473-7387.

We realize that sometimes you may need help with a concern about using a Union Plus program. The Union Plus Member Advocacy Program, staffed by OPEIU Local 2 members, is here to help you resolve any problems. Contact us at 1-800-472-2005 (8:30 a.m. - 4:30 p.m. ET, weekdays) or online at UnionPlus.org/Customer.