Who is eligible for the CFA Pet Healthcare Plan?
Does my pet have to be pedigreed, purebred and/or registered?
Who underwrites the CFA Pet Healthcare Plan?
Can I use my current veterinarian?
What is covered?
What is not covered?
When do my benefits start?
Is there a deductible or co-insurance?
Do you cover vaccinations and other routine items?
Do you cover spaying or neutering?
How do I file a claim and get reimbursed?
Will my insurance plan be canceled as my pet ages?
Policies are available to US residents, for cats 10 weeks and older and for dogs 8 weeks and older. Pets can be enrolled in five plans that include illness coverage if they are under 9 years of age. Once enrolled, coverage can renew regardless of age. The Accident Plus Plan is available for pets of any age and is good as a new policy if the pet is already 9 or older. Issuance of coverage is subject to underwriting guidelines.
No - the CFA Pet Healthcare Plan is available to all cats and dogs that meet the underwriting guidelines. We cover pets that are pedigreed, purebred, mixed breeds, registered and unregistered.
The CFA Pet Healthcare Plan is underwritten by Markel Insurance Company.
Yes - you can take your pet to any licensed veterinarian in the United States or Canada.
The CFA Pet Healthcare Plan provides veterinary benefits for covered services including surgery, hospitalization, diagnostic and laboratory tests, X-Rays, CT scans, MRIs and prescription medications. We offer four plans for both Accidents and Illnesses at different levels of protection. In addition, we have a low-cost plan called Accident Plus that covers specific accidents and injuries and is open to pets of any age.
The Wellness Plans add additional coverage for preventive treatments such as vaccinations and boosters, annual physical exam, heartworm testing, annual de-worming, heartworm prevention, flea and tick control and annual dental cleaning.
The Wellness Plus Plan offers extra benefits for spay/neuter, vaccine titers in place of vaccinations, and for boarding fees if the owner is unexpectedly hospitalized for more than 48 hours and there is no one at home to take care of the pet.
For a summary of benefit levels, please see our Quick Guide.
For full details, please see our Policies Terms & Conditions.
No insurance policy covers everything, so we hope you will read your terms and conditions closely. Generally, the CFA Pet Healthcare Plan does not cover the following:
Coverage for accidents, injuries and preventive coverage (if included in your selected plan) starts on Day 1. Illness coverage, where applicable on a new plan, begins 30 days after your effective date.
Yes - the deductible amount and frequency, together with the co-insurance amounts are listed on the Benefits Summary by policy. Once you have met the deductible, the Plan pays the co-insurance percentage of allowable charges up to the incident maximum payable amounts.
Yes - Preventive care such as vaccinations and boosters is covered under the Wellness Plan or Wellness Plus Plan. Please see our Benefits Summary for more information.
Yes - the Wellness Plus Plan provides coverage for a spaying or neutering.
It is simple. Pay for the visit at the time you receive services. Take a Claim Form to the veterinarian's office and have your veterinarian fill out Section 2 of the Claim Form You fill out the rest of the form and send it to us along with a copy of the itemized invoice. You can send it by email, mail or fax.
We process claims within 15 days of receipt of all necessary documents. The CFA Pet Healthcare Plan reimburses you directly for claims.
No - we want to protect your pet through a long and happy life. However, premium surcharges relating to the age of the pet will apply at age 11.
