Notice to California Residents


Notice to California Residents

Insurer Disclosure of Important Policy Provisions

The policy excludes Preexisting Conditions and Chronic Conditions. Other exclusions may apply.  Please refer to the exclusions section of the policy for more information.

Waiting Period

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.

Deductible, Co-Insurance, and Annual Policy Limit

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.

Insured’s Claim History

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

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:

($1,200Covered accident or injury
x 90%)Your reimbursement percentage after 10% co-insurance
-$250Remaining annual deductible
$830Reimbursement Amount
Routine Care/Routine Care Plus Maximum Allowable Limits
Supplemental Benefit ScheduleRoutine CareRoutine Care Plus
Spay/Neuter – Teeth Cleaning$0$150
Rabies Vaccination$15$15
Flea/Tick Prevention$50$65
Heartworm Prevention$30$30
Wellness Exam$50$50
Heartworm test or FELV screen$25$30
Blood, fecal, parasite exam$50$70
Urinalysis or ERD$15$25
Total Reimbursements$305$535
Please refer to your Policy including all applicable endorsements carefully for the complete coverage details.