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California Insurer Disclosure of Important Policy Provisions

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.


Pre-Existing Conditions

We do not cover Pre-existing conditions. Pre-existing conditions means:

A Medical Condition1 that first occurred or showed Clinical Signs2 before the effective date of the Policy, as shown on the Declarations Page, or showed Clinical Signs during the Waiting Period3.

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.


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.


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 90%    Your reimbursement level based on Your Copayment
  -$100    Your remaining annual Deductible
   $980    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 Expenses $250
Replacement Cost $150
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.

1Medical Condition means: All Clinical Signs and symptoms resulting from the same diagnostic classification or disease process, regardless of the number of incidents or areas of the body affected.

2Clinical Signs means: Changes in Your Pet’s normal healthy state, bodily functions, or behavior as observed by any individual and recorded in Your Pet’s medical records unless caused by an Accident or Illness.

3Waiting Period means: A period at the beginning of the initial Policy Period during which We will not cover any Injury or Illness of Your Pet. The Waiting Period will not apply at renewals if continuous coverage is maintained. Additional Waiting Periods for knees and endorsements may apply. Refer to the Declarations Page for the applicable Waiting Periods.

Please refer to Your Policy and any attached Endorsements carefully for complete coverage details.