1. Accident Coverage
Covers sudden, unforeseen physical injuries. Examples include motor vehicle trauma, broken bones, ligament tears from falls, bite wounds from other animals, swallowed foreign bodies (toys, socks, bones), lacerations, burns, and accidental poisoning or toxic food ingestion (chocolate, xylitol, lilies).
2. Illness Coverage
Protects against both minor and major medical conditions that develop after the illness waiting period. Includes ear infections, skin allergies, gastrointestinal upsets, urinary tract infections, diabetes, hypothyroidism, heart disease, arthritis, and benign or malignant cancers.
3. Diagnostic Tests
Modern veterinary care relies on accurate diagnostics before treatment can begin. Eligible diagnostic testing includes complete blood counts (CBC), blood chemistry panels, urinalysis, fecal exams for illness, digital X-rays, abdominal ultrasounds, echocardiograms, CT scans, and MRIs.
4. Emergency Treatments
When an after-hours crisis strikes, emergency vet clinics charge higher exam and critical-care fees. Coverage includes emergency triage exams, intravenous (IV) fluid resuscitation, oxygen cages, blood transfusions, intensive care unit (ICU) monitoring, and overnight hospitalization.
5. Surgeries & Procedures
Reimburses medically necessary surgical procedures performed by a licensed veterinarian or board-certified veterinary surgeon. Covers soft-tissue surgeries (gastrotomy/enterotomy for blockages, tumor removal, bladder stone removal), orthopedic fracture repair, and cruciate surgeries.
6. Prescription Medications
Covers FDA-approved and veterinarian-prescribed medications used to treat covered accidents or illnesses—including oral antibiotics, anti-inflammatory pain relievers (NSAIDs), allergy medications (such as Apoquel or Cytopoint), insulin, cardiac medications, and eye/ear drops.
7. Optional Wellness Packages
Base pet insurance covers unexpected accidents and illnesses, while optional Preventive/Wellness add-ons help reimburse predictable routine care: annual physical wellness exams, core vaccinations (Rabies, DHPP, FVRCP, Bordetella), heartworm/parasite blood tests, and routine dental cleanings.
8. Waiting Period Explanations
Waiting periods begin on the policy start date before coverage activates. Standard industry benchmarks—such as Lemonade's published schedule—feature 2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament events, while preventive wellness add-ons typically activate the next day.
9. Pre-Existing Condition Exclusions
No standard U.S. pet insurance policy covers pre-existing conditions—defined as any injury, illness, or clinical sign documented in vet records or observed by the owner prior to policy effective dates or during waiting periods. Enrolling pets early while healthy ensures maximum future eligibility.
Proposed Starting Prices vs. Actual Carrier Quotes — Clear Distinction
SureCare clearly distinguishes between our proposed starting prices ($12–$15/month for Dogs and Cats) and binding insurance quotes. SureCare does not guarantee premiums or bind coverage without confirmed licensed carrier underwriting. Your actual monthly rate will be determined by the issuing insurance provider based on your pet's breed, age, ZIP code, and selected policy parameters.
