VETSECURE TRIAL TERMS AND CONDITIONS

Read these carefully because these Terms and Conditions contain limitations on the coverage we provide you.

 

INSURING AGREEMENT

We will provide you with four (4) weeks of pet health insurance (the “Vetsecure Program”), free of charge, for your pet dog or cat enrolled in the Vetsecure Program, subject to the coverages and limits, exclusions, and Terms and Conditions below. The Vetsecure Program is provided by Petline Insurance Company. Your Vetsecure Program term (the “Term”) begins and ends on the dates specified in your welcome letter. The Vetsecure Program and the coverages under it are not transferrable. Your Vetsecure Plan coverage is subject to a forty-eight (48) hour waiting period for accidents and a fourteen (14) day waiting period for illness (the “Waiting Period”). The Waiting Period starts at the date and time your Term begins. 

 

WHAT WE WILL COVER (THE COVERAGE)

Veterinary Services: The Vetsecure Program will pay you for eligible expenses incurred during the Term and subject to the exclusions, limitations, and conditions in these Terms and Conditions. Coverage includes veterinary fees charged by licensed veterinarians, costs incurred as a result of hospitalization at veterinary facilities, costs of surgery including anaesthesia, diagnostic procedures and tests required by licensed veterinarians, medication prescribed by licensed veterinarians, nursing services, specialist care that results from a referral made by a licensed veterinarian, and for medical treatment that your pet requires as a direct result of an insured accident or illness during the Term. We reserve the right to restrict eligible expenses in accordance with these Terms and Conditions and to reasonable and customary amounts, which ever is less.

 

LIMITATIONS OF COVERAGE

We will not cover claims in excess of $500 in the aggregate of all claims made during the Term. We will pay for 80% of covered Veterinary Services, less a per-condition deductible of $100. Your 20% co-insurance will be deducted from eligible costs before your deductible is applied. 

 

WHAT WE WILL NOT COVER (THE EXCLUSIONS)

We do not pay for claims:

1. or costs incurred prior to the start of the Term or during the Waiting Period, subject to any other limitations or conditions in these Terms and Conditions;
2. not resulting from covered veterinary services incurred in Canada or while travelling on vacation in the United States of America. All claims received in U.S. dollars will be adjusted in Canadian dollars with no exchange (example: $500 USD = $500 CAD);
3. if your pet did not receive a comprehensive veterinary examination within the last twelve (12) months;
4. if we have not received complete medical records for your pet;
5. if your pet is insured under any other pet health insurance policy or plan, or if you are not the legal owner of the pet, or if the Vetsecure Program policy has been applied for in a name other than your name;
6. for any of the following:
   
   1. 1. alternative or behavioural therapies, 
      2. medical devices,
      3. dental costs or any treatment of the teeth and gums, regardless of reason,
      4. costs resulting from cruciate ligament injuries, 
      5. costs resulting from intervertebral disc disease,
      6. flea control except for flea allergy dermatitis,
      7. any food, including veterinary diets,
      8. spay or neuter, regardless of reason,
      9. nail trims, anal gland expression, and grooming,
      10. wellness care or preventive or elective treatments, 
      11. transportation of you or your pet,
      12. additional costs for house calls or mobile vets,
      13. costs related to pregnancy or breeding; 
7. pre-existing or foreseeable conditions, whether detailed herein or not. This includes any expenses arising from an accident or illness which occurs, starts, or shows symptoms prior to the end of the Waiting Period, with or without a confirmed diagnosis.  Pre-existing or foreseeable conditions also include any conditions previously treated, whether by a veterinarian, animal shelter, breeder, or other person(s) including the pet owner. Once an accident or illness is deemed pre-existing or foreseeable, an exclusion will be applied to your trial and will transfer to any future policy unless removed following a review. For more information, please contact us at 1-800-268-1169 or info@petsecure.com;
8. resulting from an accident, illness, or condition deliberately caused by you or anyone living with you;
9. for euthanasia unless recommended by your veterinarian as the direct result of an insured accident or illness;
10. for accident or illness due to your pet’s usage for professional, occupational, or business purposes unless we pre-approve coverage;
11. for any illness related costs in cats diagnosed with, or having had clinical signs of Feline Infectious Peritonitis (FIP), Feline Immunodeficiency Virus (FIV), or Feline Leukemia Virus (FELV) during the Waiting Period;
12. for medications without either a Drug Identification Number (D.I.N.) or a Natural Health Product Number (N.H.P.);
13. for treatment of umbilical hernias or congenital conditions that would have been evident to a veterinarian if a veterinarian had assessed your pet prior to the end of the Waiting Period; 
14. resulting from illness or injury caused by war activities including terrorist activities, bombardment, invasion, civil war, insurrection, rebellion, revolution, coup, or actions of armed forces whether war has been declared or not;
15. any claims resulting from nuclear incident as defined in the Nuclear Liability and Compensation Act S.C. 2015, c. 4, s. 120, nuclear explosion, or contamination by radioactive material; and,
16. any claims resulting from the occurrence of a natural disaster. 

 

GENERAL CONDITIONS

1. Your pet must be at least eight (8) weeks of age or older at the start of the Term in order to be eligible for the Vetsecure Program. The Vetsecure Program and other Petline Insurance Company trials are limited to one such program per pet in its lifetime.
2. You agree that any treating veterinarian has your permission to disclose to Petline Insurance Company any and all information relating to your pet or claims made under the Vetsecure Program in respect of your pet.
3. You must follow any treatment recommended by your veterinarian to prevent illness or injury, and you must care for your pet in accordance with any federal, provincial, and municipal laws relating to pets (example: municipal leash by-laws). If you fail to do so, Petline Insurance Company may, in its absolute discretion, decline to reimburse you for costs and expenses you would otherwise be entitled to under the Vetsecure Program.
4. If you have legal rights against another person in respect to your claim, we may take legal action against them in your name at our cost.  You must provide all documents that we request in a timely manner and without cost to Petline Insurance Company.
5. The Vetsecure Program is subject to all Canadian federal, provincial, and territorial insurance laws.
6. You consent to representatives of Petline Insurance Company contacting you with respect to the Vetsecure Program or to promote or encourage you to purchase pet health insurance coverage that continues after the end of the Term.

 

CLAIMS

Before you submit a claim, please note the following:

1. Please submit claims to:
   1. 1. Email: claims@petlineinsurance.com
      2. Fax: 1-866-501-5580
      3. Mail: 301-600 Empress St Winnipeg MB, R3G 0R5
2. We will only pay claims:
   
   1. 1. For eligible expenses incurred while the trial is in force.
      2. Received within sixty (60) days after the expiry of your trial insurance.
3. You are responsible for any charges your veterinarian may require for completing any form, or for providing us with any information about your pet that is required to underwrite your policy or process a claim.

For more information on how to make a claim, log into your Customer Account, where you can download a personalized claim form. For definitions of terms contained in this document please refer to our full Policy Wordings document by logging in to your Customer Account. For Account assistance or additional information, please contact us at 1-800-268-1169 or info@petsecure.com.

 

If you have a complaint regarding your claim, please consult the Petline Insurance Company Complaint Handling Policy.