Pet Insurance Rates and Coverage

What are my coverage options?

For pets age 8 weeks to 9 years:

Plan Name	Coverage	Annual Benefit Limit	Per Incident Limit	Reimbursement	Deductible	Monthly Premium
Accident	Accidents	$1,000	$1,000	100%	$50	Cat: $9.95 Dog: $9.95
Value	Accidents Illnesses	$2,000	$1,000	90%	$50	Cat: $14.95 Dog: $19.95 2 Pet Family: $29.00 3 Pet Family: $39.00
Basic	Accidents Illnesses $100 of Routine Care per Pet	$7,500	$1,500	90%	$50	Cat: $24.95 Dog: $29.95 2 Pet Family: $51.00 3 Pet Family: $64.00
Preferred	Accidents Illnesses $220 of Routine Care per Pet	$12,000	$2,500	90%	$50	Cat: $29.95 Dog: $39.95 2 Pet Family: $60.00 3 Pet Family: $79.00

For pets age 10 and older:

Plan Name	Coverage	Annual Benefit Limit	Per Incident Limit	Reimbursement	Deductible	Monthly Premium
Senior Core	Accidents Illnesses	$2,000	$2,000	80%	$100	Cat: $61.95 Dog: $61.95
Senior Comprehensive	Accidents Illnesses $100 of Routine Care	$2,000	$2,000	80%	$100	Cat: $66.95 Dog: $66.95

Are there any exclusions?

Exclusions include:

• Preexisting conditions
• Elective procedures and cosmetic surgeries, including but not limited to tail docking, declawing, skin folds removal, nail trimming, and cropping of ears
• Expression or removal of anal glands or anal sacculitis
• Breeding or conditions related to breeding
• Special diets, pet food, vitamins, mineral supplements, grooming costs, and bathing (including medicated baths)
• Treatment of external parasites such as fleas, lice, and ticks and preventable internal parasites such as heartworms, hookworms, roundworms, tapeworms, and whipworms
• Orthodontics, endodontics, and removal of deciduous teeth
• Diagnostic test(s) and treatment(s) for conditions excluded or limited by this policy and complications of conditions excluded or limited by this policy
• Time and travel expenses to the veterinarian's premises or the hospital
• Illness or injury that arises out of racing, coursing, commercial guarding, or organized fighting of your pet
• Congenital or hereditary defects or diseases
• Continuous coverage of chronic and long-term conditions that manifest in a previous policy year
• Behavioral problems, training, or therapy are covered only with Preferred and Basic plans.
• Routine examinations, routine tests or screens, and vaccines are covered only with Preferred and Basic plans.
• Teeth cleaning or polishing are covered only with the Preferred plan.
• Preventative treatments and diagnostics for, or conditions relating to, preventable parasites, including heartworms, are covered only with Preferred and Basic plans.
• Spaying/neutering are covered only with the Preferred plan.
• During the first 12 calendar months in which your policy is in effect, no coverage will be extended for the diagnosis, medical management, or surgical correction of anterior cruciate ligament (ACL) or cranial cruciate ligament (CCL) damage or rupture.
• During the first six calendar months in which your policy is in effect, no coverage will be extended for the diagnosis, medical management, or surgical correction of intervertebral disc(s), regardless of the procuring cause.
• Treatment for illnesses is not covered by the Accident plan

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