The policy excludes Preexisting Conditions and Chronic Conditions. Other exclusions may apply. Please refer to the exclusions section of the policy for more information.
The policy contains a 14 day waiting period for illnesses, a 3 day waiting period for injuries, and a 6 month waiting period for any Cruciate Ligament Events.
The coverages provided by the policy are subject to the application of your chosen co-insurance, minus your deductible, and up to the annual limit of your policy. The deductible is on an annual basis, meaning it must be satisfied only once per policy year and will reset on the annual anniversary date of your policy.
Your coverage will not be reduced based on your pet’s claim history, nor will premium be increased based on your pet’s claim history.
Claim payments are based on your actual veterinary bill, and are subject to the application of your chosen co-insurance, and minus your remaining annual deductible. Below is an example:
|($1,200||Covered accident or injury|
|x 90%)||Your reimbursement percentage after 10% co-insurance|
|-$250||Remaining annual deductible|
|Supplemental Benefit Schedule||Routine Care||Routine Care Plus|
|Spay/Neuter – Teeth Cleaning||$0||$150|
|Heartworm test or FELV screen||$25||$30|
|Blood, fecal, parasite exam||$50||$70|
|Urinalysis or ERD||$15||$25|
Please refer to your Policy including all applicable endorsements carefully for the complete coverage details.