Consultation fees are covered by our Plus and Ultra plan, it provides more comprehensive coverage options and also it is more expensive. Our Essential plans don't cover consultation fees because we want to offer more affordable options for owners who just want insurance for the big expenses, such as surgery. A pet owner will on average bring their pets for consultation 2-3 times a year and the fees are generally fixed. As consultation expenses can generally be anticipated, we decided to exclude it to lower premiums for Essential plan.
Our pet insurance is designed to help you when your furry buddy unexpectedly gets hurt or sick. That’s why we don’t cover pre-existing conditions and congenital diseases, as pet parents should already be aware of them prior to purchasing insurance. Other major exclusions include pregnancy, alternative treatments, and preventive procedures such as vaccinations. Please see our Pet Insurance page for more details, or you can see our sample policy wording for the fine print on coverage.
If your pet passed away and there is any successful claim record during the insurance period, please send the death proof of your pet (such as receipt of cremation service or palliative care, etc.) and include the policy number through email to email@example.com. Once we receive your email, we can proceed to terminate your policy. No premium refund will be made in such circumstances. ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ If there is no successful claim record, you may log in to the member portal and cancel the policy by yourself. The premium refund amount will be calculated automatically according to the payment cycle of your policy. You may refer to P.39 of the sample policy of Pawfect Care for details. ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ Please be noticed that cancellation or termination of a policy is being confirmed, it cannot be reinstated.
Yes, but you will need to apply for a separate policy for each pet. Once you have successfully purchased your first pet policy, you can simply click "Add Policy" > "Pet" to enroll your other pets.
We require a photocopy of your receipt. You can upload them through your online portal. We need a histopathology report from your vet if you're filing a claim for the Cancer Cash Benefit. Please keep the originals until the claim is paid as we may require them for verification. We may request your pet's medical records and examination or diagnostic test reports of your pet' s previous visits to all veterinarians.