Please read Your Policy carefully for complete information on the coverage provided. If there is any conflict between the Policy and this notice, the provisions of the Policy will prevail.
Exclusions
Pre-Existing Conditions
- We do not cover Pre-existing conditions. Pre-existing conditions means:
- A Medical Condition that first occurred or showed Clinical Signs before the effective date of the Policy, as shown on the Declarations Page, or showed Clinical Signs during the Waiting Period.
Congenital Anomalies or Disorders
- We do not cover costs or fees for any conditions or disorders present at, and existing from, the birth of Your Pet where Clinical Signs were apparent prior to the effective date of the Policy, as shown on the Declarations Page, or prior to the expiration of the Waiting Period.
Other exclusions may apply. Please refer to the exclusions section of the Policy for more information.
Waiting Period
There is a 15-day Waiting Period from the Pet Policy Effective Date for Injury and Illness and additional Waiting Periods may apply based on additional types of coverages You elect to purchase. Please refer to the Waiting Periods listed on the Declarations Page of Your Policy for more information.
Deductibles
The Deductible is the amount, whether annual or per incident, You are required to pay, per Pet, for Treatments covered by Your Policy before We begin to reimburse You. Your Deductible is shown on the Declarations Page of Your Policy.
Copayments
The Copayment is the percentage of Your Claim for which You are required to pay after any applicable Deductible amount is applied. Your Copayment is shown on the Declarations Page of Your Policy.
Annual and Lifetime Policy Limits
Your Policy contains an Annual Benefit, which is the most We will pay during a Policy Period as shown on Your Declarations Page. Your Policy also contains a Lifetime Benefit, which is the most We will pay during the lifetime of Your Pet, as shown on Your Declarations Page.
Payment of Claims
Reimbursements are based on Your actual veterinary bill. We determine the total of the covered treatments and multiply that by Your reimbursement level determined by Your Copayment. Thereafter, We subtract Your remaining annual Deductible, if any. We provide the following as an example:
| $1,200 | Covered Treatments |
| X 100% | Your reimbursement level based on Your Copayment |
| $1,200 | |
| -$100 | Your remaining annual Deductible |
| $1,100 | Reimbursable Amount |
Benefits Schedules
The below benefit schedules may apply to the coverage afforded under Your Policy, however, whether You choose to purchase certain additional coverages offered will determine whether certain benefit schedules apply. Please consult Your Policy and any endorsements for a complete explanation of Your potentially applicable benefits schedules.
| Coverage | Benefit Schedule |
|---|---|
| Emergency Ambulance Transportations | $100 |
| Anesthetic Removals | No more than two (2) |
| Mortality Benefit | Endorsement Limit |
| Cremation & Burial | $250 |
| Expenses | |
| Replacement Cost | $150 |
| Prescription Drug | 50% of the Costs of Meds |
| Prescription Drug | 50% of the Costs of Meds |
Changes to Your Coverage
Your coverage, Copayments and Deductibles may change due to Your Pet's claims experience. Premium increases may be based on Your Pet's claims experience.
Please refer to Your Policy and any attached Endorsements carefully for complete coverage details.
