Understanding ShelterCare Insurance

All Cats and Dogs over the age of 8 weeks are guaranteed acceptance into a ShelterCare Program. Once enrolled you may upgrade or downgrade at anytime and are never forced to change programs because your pet gets older. The following programs have upper age limits:

QuickCare Gold ^{(For Dogs/For Cats)} and QuickCare Complete^{(For Dogs/For Cats)} - from 8 weeks:
cats up to age 10, dogs age 8, and select breed dogs until age 6.

ShelterCare Intro^{(For Dogs/For Cats)} and QuickCare Optimum^{(For Dogs/For Cats)} from 8 weeks:
Up to age 6

ShelterCare Pet Insurance Programs offer a variety of programs made to fit your needs. From accident only pet insurance^{(For Dogs/For Cats)} to complete^{(For Dogs/For Cats)} comprehensive accident and illness coverage with annual wellness care, our programs offer you choice and flexibility.

Your pet must receive the vaccinations recommended by your veterinarian and receive an annual examination. This is a condition of your ShelterCare Pet Insurance policy.

ShelterCare realizes that there is no standard price when it comes to treating an accident or illness. Instead of defining what we think your vet should charge in a schedule of benefits, we reimburse up to the policy limits that your policy allows. These limits can be found on each of our program pages in the coverage chart. An unlimited number of accident incidents can be claimed up to the per incident coverage amount. For illnesses, you can claim up to the coverage limits for each illness category covered under your program choice during the lifetime of your pet.

Chinese Shar-pei and Shar-pei cross-breeds are eligible for accident coverage only.
If Adult Onset Demodex (After Age Five) has been noted, treated or diagnosed, prior to the inception of your policy, or within the thirty day waiting period for illness coverage on select programs, no illness coverage is available under any of our programs. Accident coverage is still available.
If Feline Immunodeficiency Virus (FIV) and/or Feline Leukemia Virus (FELV) has been noted, treated or diagnosed, prior to the inception of your policy, or within the thirty day waiting period for illness coverage on select programs, no illness coverage is available under any of our programs. Accident coverage is still available.

Cruciate ligaments, Hip Dysplasia, Patella Luxation, despite the cause, are considered bilateral conditions (affecting both sides of the body) and are classed under the musculoskeletal illness category of applicable programs.