Important Notice for Policyholders with Accredited Surety and Casulty Company, Inc.

Insurer Disclosure of Important Provisions

This Policy is written on an annual basis. Limits, deductibles and coinsurance (reimbursement level) are applicable each year of the Policy.

When this Policy is first issued, there is a 15 day waiting period from the date of purchase before any illness claim may be eligible for coverage unless you are able to provide proof that there was prior valid insurance coverage in place within 24 hours of this policy’s effective date. The waiting period may be terminated earlier if a complete veterinary checkup is performed at your expense and proof of completion (medical records) are provided.

You have 30 days from the day you receive this Policy to review it and return it to us if you decide not to keep it. You are not required to tell us why you are returning it. If you decide not to keep it, simply return it to us if you have not filed a claim. You must return it within 30 days of the day you first received it, if you do not want to keep it. We shall refund the full amount of any premium paid within 30 days after we receive the returned policy. The premium refund shall be sent directly to the person who paid it. If returned within 30 days of the day first received, the Policy will be void as if it had never been issued.

The covered pet must be in your possession at a minimum as of the policy effective date or the Policy will be terminated.

This Policy does not provide coverage for:

a. Accidents or illnesses that meet the definition of a pre-existing condition.

b. Future treatment of any injuries or conditions of a leg when there has been cruciate ligament problems to any other leg prior to Policy being in effect.

c. Hip dysplasia if a pet is 6 years of age or older when the Policy goes into effect or if the pet has been previously diagnosed with or been treated for hip dysplasia.

d. Future treatment of any injuries or conditions of a spine when Intervertebral Disc Disease has been previously diagnosed or treated prior to the initial policy effective date.

Coverage may be denied if proper routine care is not provided to your pet and such lack of routine care is a direct factor in the claimed accident or illness.

Other exclusions may apply. Please refer to the exclusions section (Section 3 What don’t we cover?) of this Policy for more information.

When this Policy renews, we may require premium, deductibles and/or reimbursement levels be changed due to prior claims experience and/or age of the pet. Premium adjustments may be required if there is a change in your pet’s geographic location (home state and/or zip). We will be sure to give you proper notice as required, including the reason for the change, if this occurs.

For an example of how deductibles and reimbursement levels work in the event of a claim, please see policy section 4a How to make a claim.

Complaint Notification

Should any complaints arise, the Company may be contacted at the following address, phone number or website listed below:

Accredited Surety and Casualty Company, Inc.

c/o Odie Pet Insurance Marketing, Inc.

[3333 Peachtree RD NE

Suite #150

Atlanta, GA 30326

1-888-978-5291

If discussions with us or your agent have failed to produce a satisfactory resolution of the problem or you need to file a complaint, please contact the Delaware Insurance Commissioner at the address, phone number or website listed below:

Delaware Insurance Commissioner

1351 West North Street

Suite 101

Dover, DE 19904

1-800-282-8611

consumer@delaware.gov

https:/ /insurance.delaware.cov

Important Notice for Policyholders with Trisura Specialty Insurance Company Underwritten Policies

Insurer Disclosure of Important Application & Policy Provisions

District of Columbia Required Fraud Disclosure Provisions:

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Please refer to your Policy (including all applicable endorsements) carefully for the complete coverage details.

Important Notice for Policyholders with Accredited Surety and Casualty Company Underwritten Policies

Insurer Disclosure of ImportantPolicy Provisions

This Policy is written on an annual basis. Limits, deductibles and coinsurance (reimbursement level) are applicable each year of the Policy.

When this Policy is first issued, there is a 15 day waiting period from the date of purchase before any illness claim may be eligible for coverage unless you are able to provide proof that there was prior valid insurance coverage in placewithin 24 hours of this policy’s effective date. The waiting period may be terminated earlier if a complete veterinary checkup paid for by you is performed and proof of completion (medical records) are provided.

You have 15 days from the day you receive this Policy to review it and return it to us if you decide not to keep it. You are not required to tell us why you are returning it. If you decide not to keep it, simply return it to the Company at its administrative office or you may return it to the agent or insurance producer that you bought it from, if you have not filed a claim. You must return it within 15 days of the day you first received it, if you do not want to keep it. We shall refund the full amount of any premium paid within 30 days after we receive the returned policy. The premium refund shall be sent directly to the person who paid it. If returned within 15 days of the day first received, the Policy will be void as if it had never been issued.

The covered pet must be in your possession on or before the policy effective date or the Policy will be terminated.

This Policy does not provide coverage for:

a. Accidents or illnesses that meet the definition of a pre-existing condition.

b. Future treatment of any injuries or conditions of a leg when there has been cruciate ligament problems to any other leg prior to Policy being in effect.

c. Hip dysplasia if a pet is 6 years of age or older when the Policy goes into effect or if the pet has been previously diagnosed with or been treated for hip dysplasia.

d. Future treatment of any injuries or conditions of a spine when Intervertebral Disc Disease has been previously diagnosed or treated prior to the initial policy effective date.

Coverage may be denied if proper routine care is not provided to your pet and such lack of routine care is a direct factor in the claimed accident or illness.

Other exclusions may apply. Please refer to the exclusions section (Section 3 What don’t we cover?) of this Policy for more information.

When this Policy renews, we may require premium, deductibles and/or reimbursement levels be changed due to prior claims experience and/or age of the pet. Premium adjustments may be required if there is a change in your pet’s geographic location (home state and/or zip). We will be sure to give you proper notice as required, including the reason for the change, if this occurs.

The following is a summary of your responsibility for any claim that may arise during the policy:

1. The reimbursement level is the percentage of each approved claim that we are responsible for reimbursing, less any applicable deductible. The reimbursement level is calculated prior to subtracting any deductibles.

2. The deductible is the annual amount you agree to pay of approved claims payments. The deductible must be met before a payment will be received. The deductible resets at the start of each policy term.

Let’s break this down through a general example:

If a pet receives a $2,000 of approved veterinary treatment for the first claim of a policy term and the policy has a 90% reimbursement level and $1000 deductible:

1. We pay 90% of the approved claim ($2,000 x 90% = $1,800).

2. We deduct $1000 from the payment to meet the annual deductible, meaning the policyholder receives $700 ($1,800 – $1000 = $700).

After that, there’s no more deductible to pay during that policy term. If another claim is approved in that same policy term, we simply apply the reimbursement level.

So if that same pet receives a second approved veterinary treatmenttotaling $1000 during the same policy term:

1. We pay 90% of the approved claim ($1,000 x 90%=$900).

2. With the deductible being met in the first claim, the policyholder would receive $900.

For more detail in the event of a claim specific to the coverage levels you purchased, please see policy section 4a How to make a claim. Please contact your broker or agent for assistance as this Policy was issued or delivered by an agent or broker.

Complaint Notification

Should any complaints arise, the Company may be contacted at the following address, phone number or website listed below:

Accredited Surety and Casualty Company, Inc.

c/o Odie Pet Insurance Marketing, Inc.

[3333 Peachtree RD NE

Suite #150

Atlanta, GA 30326

1-888-978-5291

https://getodie.com]

If discussions with us or your agent have failed to produce a satisfactory resolution of the problem or you need to file a complaint, please contact the Louisiana Department of Insurance at the address, phone number or website listed below:

Louisiana Department of Insurance

P.O. Box 94214

Baton Rouge, LA 70804-9214

1-800-259-5300

www.ldi.la.gov

___________________________________________________________________________________

Important Notice for Policyholders with Trisura Specialty Insurance Company Underwritten Policies

Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.

Consistent with the requirements of the New York Insurance Law and Regulation 41 you are hereby advised that all or a portion of the required coverages have been placed by Norse Specialty Insurance Services, Inc. with insurers not authorized to do an insurance business in New York and which are not subject to supervision by this State. Placements with unauthorized insurers can only be made under one of the following circumstances: a) A diligent effort was first made to place the required insurance with companies authorized in New York to write coverages of the kind requested; or b) NO diligent effort was required because i) the coverage qualifies as an “Export List” risk, or ii) the insured qualifies as an “Exempt Commercial Purchaser.” Policies issued by such unauthorized insurers may not be subject to all of the regulations of the Superintendent of Financial Services pertaining to policy forms. In the event of insolvency of the unauthorized insurers, losses will not be covered by any New York State security fund.

TOTAL COST FORM (NON TAX ALLOCATED PREMIUM TRANSACTION)

In consideration of placing your insurance as described in the checkout, you agree to pay the total cost which includes all premiums, inspection charges(1) and a service fee that includes taxes, stamping fees, and (if indicated) a fee(1) for compensation in addition to commissions received, and other expenses(1). You further understand and agree that all fees, inspection charges and other expenses denoted by(1) are fully earned from the inception date of the policy and are non-refundable regardless of whether said policy is cancelled. Any policy changes which generate additional premium are subject to additional tax and stamping fee charges.

Important Notice for Policyholders with Trisura Specialty Insurance Company Underwritten Policies

Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.

Consistent with the requirements of the New York Insurance Law and Regulation 41 you are hereby advised that all or a portion of the required coverages have been placed by Norse Specialty Insurance Services, Inc. with insurers not authorized to do an insurance business in New York and which are not subject to supervision by this State. Placements with unauthorized insurers can only be made under one of the following circumstances: a) A diligent effort was first made to place the required insurance with companies authorized in New York to write coverages of the kind requested; or b) NO diligent effort was required because i) the coverage qualifies as an “Export List” risk, or ii) the insured qualifies as an “Exempt Commercial Purchaser.” Policies issued by such unauthorized insurers may not be subject to all of the regulations of the Superintendent of Financial Services pertaining to policy forms. In the event of insolvency of the unauthorized insurers, losses will not be covered by any New York State security fund.

TOTAL COST FORM (NON TAX ALLOCATED PREMIUM TRANSACTION)

In consideration of placing your insurance as described in the checkout, you agree to pay the total cost which includes all premiums, inspection charges(1) and a service fee that includes taxes, stamping fees, and (if indicated) a fee(1) for compensation in addition to commissions received, and other expenses(1). You further understand and agree that all fees, inspection charges and other expenses denoted by(1) are fully earned from the inception date of the policy and are non-refundable regardless of whether said policy is cancelled. Any policy changes which generate additional premium are subject to additional tax and stamping fee charges.

Important Notice for Policyholders with Accredited Surety and Casualty Company Underwritten Policies

Insurer Disclosure of Important Policy Provisions

This Policy is written on an annual basis. Limits, deductibles and coinsurance (reimbursement level) are applicable each year of the Policy.

When this Policy is first issued, there is a 15 day waiting period from the date of purchase before any illness claim may be eligible for coverage unless you are able to provide proof that there was prior valid insurance coverage in place within 24 hours of this policy’s effective date. The waiting period may be terminated earlier if a complete veterinary checkup paid for by you is performed and proof of completion (medical records) are provided.

If you are not satisfied with this Policy within the first 15 days of the policy effective date and you have not made a claim, we can cancel this Policy back to the policy effective date for a full premium refund.

This Policy does not provide coverage for:

1. Accidents or illnesses that meet the definition of a pre-existing condition.

2. Future treatment of any injuries or conditions of a leg when there has been cruciate ligament problems to any other leg prior to Policy being in effect.

3. Hip dysplasia if a pet is 6 years of age or older when the Policy goes into effect or if the pet has been previously diagnosed with or been treated for hip dysplasia.

4. Future treatment of any injuries or conditions of a spine when Intervertebral Disc Disease has been previously diagnosed or treated prior to the initial policy effective date.

Coverage may be denied if proper routine care is not provided to your pet and such lack of routine care is a direct factor in the claimed accident or illness.

Other exclusions may apply. Please refer to the exclusions section (Section 3 What don’t we cover?) of this Policy for more information.

When this Policy renews, we may require premium, deductibles and/or reimbursement levels be changed due to prior claims experience and/or age of the pet. Premium adjustments may be required if there is a change in your pet’s geographic location (home state and/or zip). We will be sure to give you proper notice as required, including the reason for the change, if this occurs.

For an example of how deductibles and reimbursement levels work in the event of a claim, please see Policy section 4a How to make a claim.

Complaint Notification

Should any complaints arise, the Company may be contacted at the following address, phone number or website:

Accredited Surety and Casualty Company, Inc.

c/o Odie Pet Insurance Marketing, Inc.

[3333 Peachtree RD NE Suite #150

Atlanta, GA 30326

888.978.5291

GetOdie.com 

If discussions with us or your agent have failed to produce a satisfactory resolution of the problem or you need to file a complaint, please contact the Maine Department of Insurance at the address, phone number or website listed below:

Maine Bureau of Insurance

#34 State House Station

Augusta, ME 04333-0034

www.maine.gov/pfr/insurance/home

1-800-300-5000

___________________________________________________________________________________________

Important Notice for Policyholders with Trisura Specialty Insurance Company Underwritten Policies

Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.

This insurance contract is issued pursuant to the Maine Insurance Laws by an insurer neither licensed by nor under the jurisdiction of the Maine Bureau of Insurance.

Underwriter, Producer, Brand Information

Pet health insurance policies are administered by Norse Specialty Insurance Company, Inc. and underwritten by Trisura Insurance Company (NAIC # 22225). Plans are marketed and sold by the Agency/Producer listed below and receives compensation based on the premiums for the insurance policies it sells.

Agency/Producer	Odie Pet Insurance Marketing, Inc.

Exclusions

Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.

Right to Examine and Return

You have fifteen (15) days from the day you receive the policy, certificate or rider to review it and return it to the company if you decide not to keep it. You do not have to tell the Company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 15 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate or rider. The premium refund will be sent directly to the person who paid it. The policy, certificate or rider will be void as if it had never been issued.

The fastest and easiest way to return your policy is by notifying us in writing through the channels outlined below:

Email	support@odiepetinsurance.com
Mail	Norse Specialty Ins Svcs, Inc Dept: Odie Pet Insurance 16100 N. 71st St, Ste 540 Scottsdale, AZ 85254
Fax	(530) 285-4258

Annual Policy Limit, Annual Deductible, & Co-Insurance

• ANNUAL POLICY LIMIT: The maximum amount that the policy will pay in any Annual term.
• DEDUCTIBLE: The Annual amount you pay out-of-pocket for the Actual Cost of Veterinary Treatment for any eligible Condition after the application of your select Co-Insurance amount.
• CO-INSURANCE: This term applies to both parties as described on your declaration page. The larger percentage represents our portion of the Actual Cost of Veterinary Treatment that is paid for any eligible Condition before the application of your chosen Deductible

Description of Illness and Injuries Plan Coverage

Annual Policy Limit	$2,500; $5,000; $10,000; $25,000; $40,000
Co-Insurance	30%; 20%; 10%
Annual Deductible	$50-$1,000 (as shown on the policy declaration page)
Supplemental Benefits	The below supplemental benefits are available for additional premium. Please refer to the policy declaration page to see if your policy includes these supplemental benefits: Office Visits/Exam Fee Coverage, Take Home Prescription Medication Coverage, Rehabilitation, Acupuncture, and Chiropractic Care Coverage

Description of Accident Only Coverage

Annual Policy Limit	$10,000
Co-Insurance	10%
Annual Deductible	$250

Waiting Periods

1. 0 days following the Policy Effective Date for any Accident-Related Injuries or Illness.
2. 14 days following the Policy Effective Date for any Illnesses and any related Conditions.
3. 30 days following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.
4. Once met, these Waiting Periods are waived for continuous, uninterrupted policy renewals, including, at our discretion, uninterrupted policy renewals from other pet insurance providers; however, if you cancel or non-renew your policy in order to add any supplemental benefit (if applicable) or increase your Annual Limit (if applicable) on a new policy, then Waiting Periods will not be waived for that new policy.
5. The waiting periods may be reduced or waived for coverage acquired through pre-approved channels where the health of your Pet is certified by a participating veterinarian prior to coverage being purchased.

Please refer to the Declaration Page for your Pet’s specific waiting period.

Changes to Your Premium

Your premium will NOT change based on your Pet’s individual claims experience.Your premium MAY change if your address changes. We require notification within 30 days of an address change.Your premium WILL change at renewal as the covered pet gets older.

Determination of Claim Payments

The Company provides coverage to you for the Pet described in the policy and on the policy declaration page for the Actual Cost of Veterinary Treatment for any eligible condition, subject to the terms of the Policy, after the application of the Co-Insurance, minus the Deductible, up to the Annual Limit of the policy.

The formula for determining claims reimbursement is as follows: eligible expenses multiplied by the reimbursement percentage minus the deductible equals the claim payout.

Example:

($1,200	Total eligible expenses
x 90%)	Reimbursement percentage
– $250	Remaining annual deductible
$830	TOTAL REIMBURSEMENT AMOUNT

Routine Care/Routine Care Plus Endorsement

Routine Care/Routine Care Plus is an optional endorsement that may be added to your base pet health insurance policy. Purchase of a routine care endorsement is not a requirement for the purchase of pet insurance. The endorsement is subject to all provisions of your policy that are not in conflict with the provisions of the endorsement.

The endorsement provides reimbursements for preventative care shown below up to the lesser of the Actual Cost of Veterinary Treatment expense provided by a Veterinarian or the following maximum allowable limits.

	Routine Care Basic	Routine Care Plus
Spay/Neuter – Teeth Cleaning	$0	$150
Rabies	$15	$15
Flea/Tick Prevention	$50	$65
Heartworm Prevention	$30	$30
Vaccination/Titer	$30	$40
Wellness Exam	$50	$50
Heartworm Test or FELV Screen	$25	$30
Blood, fecal, parasite exam	$50	$70
Microchip	$20	$40
Urinalysis or ERD	$15	$25
Deworming	$20	$20

Definitions

1. CHRONIC CONDITION: A condition that can be treated or managed, but not cured.
2. PRE-EXISTING CONDITION: A condition for which any of the following are true prior to the effective date of a pet insurance policy or during a waiting period:
   1. A veterinarian provided medical advice regarding the condition;
   2. The pet received previous treatment for the condition; or
   3. Based on information from verifiable sources, the pet had signs or symptoms directly related to the condition for which a claim is being made.
3. RENEWAL: Means to issue and deliver at the end of an insurance policy period a policy that supersedes a policy previously issued and delivered by the same insurer or an affiliated insurer and that provides types and limits of coverage substantially similar to those contained in the policy being superseded.
4. VETERINARIAN. An individual who holds a valid license to practice veterinary medicine from the appropriate licensing entity in the jurisdiction in which the individual practices.
5. WAITING PERIOD: The period of time specified in a pet insurance policy that is required to transpire before some or all of the coverage in the policy begins.

Complaint Resolution

Maine Bureau of Insurance Contact Information

Address	Maine Bureau of Insurance #34 State House Station Augusta, ME 04333-0034
Website	https://www.maine.gov/pfr/insurance/home
Phone	1-800-300-5000

Producer Contact Information

Address	Odie Pet Ins Mktg, Inc 16100 N 71st St, Suite 540 Scottsdale, AZ 85254
Website	getodie.com
Phone	877-371-0471

Important Notice for Policyholders with Trisura Specialty Insurance Company Underwritten Policies

Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.

You are purchasing insurance directly through our online platform. You have been informed that the required insurance could not be obtained from, or would not be written by, companies licensed or admitted to transact business in the Commonwealth of Massachusetts.

I/We, the policyholder(s), understand that the type and amount of insurance listed below have been obtained from insurers not admitted to transact business in the Commonwealth. I/We further understand:

A. The surplus lines insurer with whom the insurance was placed is not licensed in this state and is not subject to Massachusetts regulations.

B. In the event of the insolvency of the surplus lines insurer, losses will not be paid by the state insurance guaranty fund.

Important Notice for Policyholders with Trisura Specialty Insurance Company Underwritten Policies

Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.

THIS INSURANCE IS ISSUED PURSUANT TO THE MINNESOTA SURPLUS LINES INSURANCE ACT. THE INSURER IS AN ELIGIBLE SURPLUS LINES INSURER BUT IS NOT OTHERWISE LICENSED BY THE STATE OF MINNESOTA. IN CASE OF INSOLVENCY, PAYMENT OF CLAIMS IS NOT GUARANTEED.

Important Disclosure to Accredited Surety and Casualty Company Underwritten Policies

Insurer Disclosure of Important Policy Provisions

This Policy is written on an annual basis. Limits, deductibles and coinsurance (reimbursement level) are applicable each year of the Policy.

When this Policy is first issued, there is a 15 day waiting period from the date of purchase before any accident and/or illness claim may be eligible for coverage unless you are able to provide proof that there was prior valid insurance coverage in place within 24 hours of this policy’s effective date.

You have 30 days from the day you receive this policy, certificate or rider to review it and return it to the company if you decide not to keep it. You do not have to tell the company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 30 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate or rider. The premium refund will be sent directly to the person who paid it. The policy, certificate or rider will be void as if it had never been issued. This only applies to new policies does not apply to renewals.

The covered pet must be in your possession on or before the policy effective date or the Policy will be terminated.

This Policy does not provide coverage for:

a. Accidents or illnesses that meet the definition of a pre-existing condition.

b. Future treatment of any injuries or conditions of a leg when there has been cruciate ligament problems to any other leg prior to Policy being in effect.

c. Hip dysplasia if a pet is 6 years of age or older when the Policy goes into effect or if the pet has been previously diagnosed with or been treated for hip dysplasia.

d. Future treatment of any injuries or conditions of a spine when Intervertebral Disc Disease has been previously diagnosed or treated prior to the initial policy effective date

Coverage may be denied if proper routine care is not provided to your pet and such lack of routine care is a direct factor in the claimed accident or illness.

Other exclusions may apply. Please refer to the exclusions section (Section 3 What don’t we cover?) of this Policy for more information.

When this Policy renews, we may require premium, deductibles and/or reimbursement levels be changed due to prior claims experience and/or age of the pet. Premium adjustments may be required if there is a change in your pet’s geographic location (home state and/or zip). We will be sure to give you proper notice as required, including the reason for the change, if this occurs.

For an example of how deductibles and reimbursement levels work in the event of a claim, please see policy section 4a How to make a claim.

Complaint Notification

Should any complaints arise, the Company may be contacted at the following address, phone number or website listed below:

Accredited Surety and Casualty Company, Inc.

c/o Odie Pet Insurance Marketing Inc.

[3333 Peachtree RD NE

Suite #150

Atlanta, GA 30326

1-888-978-5291

https://GetOdie.com ]

If discussions with us or your agent have failed to produce a satisfactory resolution of the problem or you need to file a complaint, please contact the Mississippi Department of Insurance at the address, phone number or website listed below:

Mississippi Insurance Department

501 N West St

Jackson, MS 39201

1-800-562-2957

www.mid.ms.gov

__________________________________________________________________________________________

Important Disclosure to Trisura Insurance Company Underwritten Policies

Mississippi Insurer Disclosure of Important Policy Provisions

Underwriter, Producer, Brand Information

Pet health insurance policies are administered by Norse Specialty Insurance Company, Inc. and underwritten by Trisura Insurance Company (NAIC # 22225). Plans are marketed and sold by the Agency/Producer listed below and receives compensation based on the premiums for the insurance policies it sells.

Exclusions

Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.

Agency/Producer	Odie Pet Insurance Marketing, Inc.

Right to Examine and Return

You have 15 days from the day you receive this policy, certificate, or endorsement to review it and return it to the company if you decide not to keep it. You do not have to tell the company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 15 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate, or endorsement. The premium refund will be sent directly to the person who paid it. The policy, certificate, or endorsement will be void as if it had never been issued.

The fastest and easiest way to return your policy is by notifying us in writing through the channels outlined below:

Email	support@odiepetinsurance.com
Mail	Norse Specialty Ins Svcs, Inc Dept: Odie Pet Insurance16100 N. 71st St, Ste 540 Scottsdale, AZ 85254
Fax	(530) 285-4258

Waiting Periods for Unexpected Injuries Only policies

There is no waiting period for accidents.

Waiting Periods for Unexpected Illnesses and Injuries policies

1. 3 days following the Policy Effective Date for any Injuries and any related Conditions.
2. 14 days following the Policy Effective Date for any Illnesses and any related Conditions.
3. 30 days following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.
4. Once met, these Waiting Periods are waived for continuous, uninterrupted policy renewals, including, at our discretion, uninterrupted policy renewals from other pet insurance providers.
5. The waiting periods may be reduced or waived for coverage acquired through preapproved channels where the health of your Pet is certified by a participating veterinarian prior to coverage being purchased. Please refer to the Declaration Page for your Pet’s specific waiting period.

Please refer to the Declaration Page for your Pet’s specific waiting period.

Changes to Your Premium

Your premium will NOT change based on your Pet’s individual claims experience.Your premium MAY change if your address changes. We require notification within 30 days of an address change.Your premium WILL change at renewal as the covered pet gets older.

Determination of Claim Payments

The Company provides coverage to you for the Pet described in the policy and on the policy declaration page for the Actual Cost of Veterinary Treatment for any eligible condition, subject to the terms of the Policy, after the application of the Co-Insurance, minus the Deductible, up to the Annual Limit of the policy.

The formula for determining claims reimbursement is as follows: eligible expenses multiplied by the reimbursement percentage minus the deductible equals the claim payout.

Example:

($1,200	Total eligible expenses
x 90%)	Reimbursement percentage
– $250	Remaining annual deductible
$830	TOTAL REIMBURSEMENT AMOUNT

Contact Information

Agency/Producer	Odie Pet Insurance Marketing, Inc 16100 N 71 St, Suite 540 Scottsdale, AZ 85254 877-327-0471

Definitions

1. PRE-EXISTING CONDITION: A condition for which any of the following are true prior to the effective date of a pet insurance policy or during a waiting period:
   1. A veterinarian provided medical advice regarding the condition;
   2. The pet received previous treatment for the condition; or
   3. Based on information from verifiable sources, the pet had signs or symptoms directly related to the condition for which a claim is being made.

Important Disclosure to Trisura Insurance Company Underwritten Policies

Missouri Insurer Disclosure of Important Policy Provisions

Underwriter, Producer, Brand Information

Pet health insurance policies are administered by Norse Specialty Insurance Company, Inc. and underwritten by Trisura Insurance Company (NAIC # 22225). Plans are marketed and sold by the Agency/Producer listed below and receives compensation based on the premiums for the insurance policies it sells.

Exclusions

Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.

Agency/Producer	Odie Pet Insurance Marketing, Inc.

Right to Examine and Return

You have 30 days from the day you receive this policy, certificate, or endorsement to review it and return it to the company if you decide not to keep it. You do not have to tell the company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 30 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate, or endorsement. The premium refund will be sent directly to the person who paid it. The policy, certificate, or endorsement will be void as if it had never been issued.

The fastest and easiest way to return your policy is by notifying us in writing through the channels outlined below:

Email	support@odiepetinsurance.com
Mail	Norse Specialty Ins Svcs, Inc Dept: Odie Pet Insurance 16100 N. 71st St, Ste 540 Scottsdale, AZ 85254
Fax	(530) 285-4258

Waiting Periods for Unexpected Injuries Only policies

There is no waiting period for accidents.

Waiting Periods for Unexpected Illnesses and Injuries policies

1. 3 days following the Policy Effective Date for any Injuries and any related Conditions.
2. 14 days following the Policy Effective Date for any Illnesses and any related Conditions.
3. 30 days following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.
4. Once met, these Waiting Periods are waived for continuous, uninterrupted policy renewals, including, at our discretion, uninterrupted policy renewals from other pet insurance providers.
5. The waiting periods may be reduced or waived for coverage acquired through preapproved channels where the health of your Pet is certified by a participating veterinarian prior to coverage being purchased. Please refer to the Declaration Page for your Pet’s specific waiting period.

Please refer to the Declaration Page for your Pet’s specific waiting period.

Changes to Your Premium

Your premium will NOT change based on your Pet’s individual claims experience.Your premium MAY change if your address changes. We require notification within 30 days of an address change.Your premium WILL change at renewal as the covered pet gets older.

Determination of Claim Payments

The Company provides coverage to you for the Pet described in the policy and on the policy declaration page for the Actual Cost of Veterinary Treatment for any eligible condition, subject to the terms of the Policy, after the application of the Co-Insurance, minus the Deductible, up to the Annual Limit of the policy.

The formula for determining claims reimbursement is as follows: eligible expenses multiplied by the reimbursement percentage minus the deductible equals the claim payout.

Example:

($1,200	Total eligible expenses
x 90%)	Reimbursement percentage
– $250	Remaining annual deductible
$830	TOTAL REIMBURSEMENT AMOUNT

Contact Information

Agency/Producer	Odie Pet Ins Mktg, Inc 16100 N 71st Street Ste 540 Scottsdale, AZ 85254 877-327-0471

Definitions

1. PRE-EXISTING CONDITION: A condition for which any of the following are true prior to the effective date of a pet insurance policy or during a waiting period:
   1. A veterinarian provided medical advice regarding the condition;
   2. The pet received previous treatment for the condition; or
   3. Based on information from verifiable sources, the pet had signs or symptoms directly related to the condition for which a claim is being made.

Important Notice for Policyholders with Accredited Surety and Casualty Company Underwritten Policies

Insurer Disclosure of Important Policy Provisions

This Policy is written on an annual basis. Limits, deductibles and coinsurance (reimbursement level) are applicable each year of the Policy.

When this Policy is first issued, there is a 15 day waiting period from the date of purchase before any illness claim may be eligible for coverage unless you are able to provide proof that there was prior valid insurance coverage in place within 24 hours of this policy’s effective date. The waiting period may be terminated earlier if a complete veterinary checkup paid for by you is performed and proof of completion (medical records) is provided.

You have 30 days from the day you receive this Policy to review it and return it to us if you decide not to keep it. You are not required to tell us why you are returning it. If you decide not to keep it, simply return it to us if you have not filed a claim. You must return it within 30 days of the day you first received it, if you do not want to keep it. We shall refund the full amount of any premium paid within 30 days after we receive the returned policy. The premium refund shall be sent directly to the person who paid it. If returned within 30 days of the day first received, the Policy will be void as if it had never been issued.

The covered pet must be in your possession on or before the policy effective date or the Policy will be terminated.

This Policy does not provide coverage for:

a. Accidents or illnesses that meet the definition of a pre-existing condition.

b. Future treatment of any injuries or conditions of a leg when there has been cruciate ligament problems to any other leg prior to Policy being in effect.

c. Hip dysplasia if a pet is 6 years of age or older when the Policy goes into effect or if the pet has been previously diagnosed with or been treated for hip dysplasia.

d. Future treatment of any injuries or conditions of a spine when Intervertebral Disc Disease has been previously diagnosed or treated prior to the initial policy effective date.

Coverage may be denied if proper routine care is not provided to your pet and such lack of routine care is a direct factor in the claimed accident or illness.

Other exclusions may apply. Please refer to the exclusions section (Section 3 What don’t we cover?) of this Policy for more information.

When this Policy renews, we may require premium, deductibles and/or reimbursement levels be changed due to prior claims experience and/or age of the pet. Premium adjustments may be required if there is a change in your pet’s geographic location (home state and/or zip). We will be sure to give you proper notice as required, including the reason for the change, if this occurs.

For an example of how deductibles and reimbursement levels work in the event of a claim, please see policy section 4a How to make a claim.

Complaint Notification

Should any complaints arise, the Company may be contacted at the following address, phone number or website listed below:

Accredited Surety and Casualty Company, Inc.

c/o Odie Pet Insurance Marketing Inc.

3333 Peachtree RD NE

Suite #150

Atlanta, GA 30326

888-978-5291

https://GetOdie.com

If discussions with us or your agent have failed to produce a satisfactory resolution of the problem or you need to file a complaint, please contact the Nebraska Department of Insurance at the address, phone number or website listed below:

Nebraska Department of Insurance

1526 K St, Ste 120

Lincoln, NE 68508

1-800-833-7352

https://doi.nebraska.gov

Important Notice for Policyholders with Accredited Surety and Casualty Company Underwritten Policies

Insurer Disclosure of Important Policy Provisions

This Policy is written on an annual basis. Limits, deductibles and coinsurance (reimbursement level) are applicable each year of the Policy.

When this Policy is first issued, there is a 15 day waiting period from the date of purchase before any illness claim may be eligible for coverage unless you are able to provide proof that there was prior valid insurance coverage in place within 24 hours of this policy’s effective date. The waiting period may be terminated earlier if a complete veterinary checkup paid for by you is performed and proof of completion (medical records) is provided.

You have 30 days from the day you receive this Policy to review it and return it to us if you decide not to keep it. You are not required to tell us why you are returning it. If you decide not to keep it, simply return it to us if you have not filed a claim. You must return it within 30 days of the day you first received it, if you do not want to keep it. We shall refund the full amount of any premium paid within 30 days after we receive the returned policy. The premium refund shall be sent directly to the person who paid it. If returned within 30 days of the day first received, the Policy will be void as if it had never been issued.

The covered pet must be in your possession on or before the policy effective date or the Policy will be terminated.

This Policy does not provide coverage for:

a. Accidents or illnesses that meet the definition of a pre-existing condition.

b. Future treatment of any injuries or conditions of a leg when there has been cruciate ligament problems to any other leg prior to Policy being in effect.

c. Hip dysplasia if a pet is 6 years of age or older when the Policy goes into effect or if the pet has been previously diagnosed with or been treated for hip dysplasia.

d. Future treatment of any injuries or conditions of a spine when Intervertebral Disc Disease has been previously diagnosed or treated prior to the initial policy effective date.

Coverage may be denied if proper routine care is not provided to your pet and such lack of routine care is a direct factor in the claimed accident or illness.

Other exclusions may apply. Please refer to the exclusions section (Section 3 What don’t we cover?) of this Policy for more information.

When this Policy renews, we may require premium, deductibles and/or reimbursement levels be changed due to prior claims experience and/or age of the pet. Premium adjustments may be required if there is a change in your pet’s geographic location (home state and/or zip). We will be sure to give you proper notice as required, including the reason for the change, if this occurs.

For an example of how deductibles and reimbursement levels work in the event of a claim, please see policy section 4a How to make a claim.

Complaint Notification

Should any complaints arise, the Company may be contacted at the following address, phone number or website listed below:

Accredited Surety and Casualty Company, Inc.

c/o Odie Pet Insurance Marketing Inc.

3333 Peachtree RD NE

Suite #150

Atlanta, GA 30326

888-978-5291

https://GetOdie.com

If discussions with us or your agent have failed to produce a satisfactory resolution of the problem or you need to file a complaint, please contact the New Hampshire Department of Insurance at the address, phone number or website listed below:

New Hampshire Insurance Department

21 South Fruit Street, Suite 14

Concord, NH 03301

1-800-852-3416

https:/ /www.nh.gov/insurance/

Important Notice for Policyholders with Accredited Surety and Casualty Company Underwritten Policies

Insurer Disclosure of Important Policy Provisions

This Policy is written on an annual basis. Limits, deductibles and coinsurance (reimbursement level) are applicable each year of the Policy.

When this Policy is first issued, there is a 15 day waiting period from the date of purchase before any illness claim may be eligible for coverage unless you are able to provide proof that there was prior valid insurance coverage in place within 24 hours of this policy’s effective date. The waiting period may be terminated earlier if a complete veterinary checkup paid for by you is performed and proof of completion (medical records) is provided.

You have 30 days from the day you receive this Policy to review it and return it to us if you decide not to keep it. You are not required to tell us why you are returning it. If you decide not to keep it, simply return it to us if you have not filed a claim. You must return it within 30 days of the day you first received it, if you do not want to keep it. We shall refund the full amount of any premium paid within 30 days after we receive the returned policy. The premium refund shall be sent directly to the person who paid it. If returned within 30 days of the day first received, the Policy will be void as if it had never been issued.

The covered pet must be in your possession on or before the policy effective date or the Policy will be terminated.

This Policy does not provide coverage for:

a. Accidents or illnesses that meet the definition of a pre-existing condition.

b. Future treatment of any injuries or conditions of a leg when there has been cruciate ligament problems to any other leg prior to Policy being in effect.

c. Hip dysplasia if a pet is 6 years of age or older when the Policy goes into effect or if the pet has been previously diagnosed with or been treated for hip dysplasia.

d. Future treatment of any injuries or conditions of a spine when Intervertebral Disc Disease has been previously diagnosed or treated prior to the initial policy effective date.

Coverage may be denied if proper routine care is not provided to your pet and such lack of routine care is a direct factor in the claimed accident or illness.

Other exclusions may apply. Please refer to the exclusions section (Section 3 What don’t we cover?) of this Policy for more information.

When this Policy renews, we may require premium, deductibles and/or reimbursement levels be changed due to prior claims experience and/or age of the pet. Premium adjustments may be required if there is a change in your pet’s geographic location (home state and/or zip). We will be sure to give you proper notice as required, including the reason for the change, if this occurs.

For an example of how deductibles and reimbursement levels work in the event of a claim, please see policy section 4a How to make a claim.

Complaint Notification

Should any complaints arise, the Company may be contacted at the following address, phone number or website listed below:

Accredited Surety and Casualty Company, Inc.

c/o Odie Pet Insurance Marketing Inc.

1 Glenlake Pkwy

Suite #650

Atlanta, GA 30328

1-888-978-5291

https://GetOdie.com

If discussions with us or your agent have failed to produce a satisfactory resolution of the problem or you need to file a complaint, please contact the Pennsylvania Insurance Department at the address, phone number or website listed below:

Pennsylvania Insurance Department

1326 Strawberry Square

Harrisburg, PA 17120

1-877-881-6388

www.insurance.pa.gov

Important Notice for Policyholders with Trisura Insurance Company Underwritten Policies

Vermont Insurer Disclosure of Important Policy Provisions

Underwriter, Producer, Brand Information

Pet health insurance policies are administered by Norse Specialty Insurance Company, Inc. and underwritten by Trisura Insurance Company (NAIC # 22225). Plans are marketed and sold by the Agency/Producer listed below and receives compensation based on the premiums for the insurance policies it sells.

Exclusions

Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.

Agency/Producer	Odie Pet Insurance Marketing, Inc.

Right to Examine and Return

You have 30 days from the day you receive this policy, certificate, or endorsement to review it and return it to the company if you decide not to keep it. You do not have to tell the company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 30 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate, or endorsement. The premium refund will be sent directly to the person who paid it. The policy, certificate, or endorsement will be void as if it had never been issued.

The fastest and easiest way to return your policy is by notifying us in writing through the channels outlined below:

Email	support@odiepetinsurance.com
Mail	Norse Specialty Ins Svcs, Inc Dept: Odie Pet Insurance 16100 N. 71st St, Ste 540 Scottsdale, AZ 85254
Fax	(530) 285-4258

Waiting Periods for Unexpected Injuries Only policies

There is no waiting period for accidents.

Waiting Periods for Unexpected Illnesses and Injuries policies

1. 3 days following the Policy Effective Date for any Injuries and any related Conditions.
2. 14 days following the Policy Effective Date for any Illnesses and any related Conditions.
3. 6 months following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.
4. Once met, these Waiting Periods are waived for continuous, uninterrupted policy renewals, including, at our discretion, uninterrupted policy renewals from other pet insurance providers.
5. The waiting periods may be reduced or waived for coverage acquired through preapproved channels where the health of your Pet is certified by a participating veterinarian prior to coverage being purchased. Please refer to the Declaration Page for your Pet’s specific waiting period.

Please refer to the Declaration Page for your Pet’s specific waiting period.

Changes to Your Premium

Your premium will NOT change based on your Pet’s individual claims experience. Your premium MAY change if your address changes. We require notification within 30 days of an address change.Your premium WILL change at renewal as the covered pet gets older.

Determination of Claim Payments

The Company provides coverage to you for the Pet described in the policy and on the policy declaration page for the Actual Cost of Veterinary Treatment for any eligible condition, subject to the terms of the Policy, after the application of the Co-Insurance, minus the Deductible, up to the Annual Limit of the policy.

The formula for determining claims reimbursement is as follows: eligible expenses multiplied by the reimbursement percentage minus the deductible equals the claim payout.

Example:

($1,200	Total eligible expenses
x 90%)	Reimbursement percentage
– $250	Remaining annual deductible
$830	TOTAL REIMBURSEMENT AMOUNT

Contact Information

Agency/Producer	Odie Pet Insurance Marketing, Inc 16100 N 71 St, Suite 540 Scottsdale, AZ 85254 877-327-0471

Definitions

1. PRE-EXISTING CONDITION: A condition for which any of the following are true prior to the effective date of a pet insurance policy or during a waiting period:
   1. A veterinarian provided medical advice regarding the condition;
   2. The pet received previous treatment for the condition; or
   3. Based on information from verifiable sources, the pet had signs or symptoms directly related to the condition for which a claim is being made.

 

Important Notice for Policyholders with Accredited Surety and Casualty Company Underwritten Policies

Insurer Disclosure of Important Policy Provisions

This Policy is written on an annual basis. Annual policy limits, deductibles and coinsurance (reimbursement level) are applicable each year of the Policy.

When this Policy is first issued, there is a 15 day waiting period from the date of purchase before any illness claim may be eligible for coverage unless you are able to provide proof that there was prior valid insurance coverage in place within 24 hours of this policy’s effective date. The waiting period may be terminated earlier if a complete veterinary checkup is performed at your expense and proof of completion (medical records) are provided.

You have 15 days from the day you receive this Policy to review it and return it to us if you decide not to keep it. You are not required to tell us why you are returning it. If you decide not to keep it, simply return it to us if you have not filed a claim. You must return it within 15 days of the day you first received it, if you do not want to keep it. We shall refund the full amount of any premium paid within 30 days after we receive the returned policy. The premium refund shall be sent directly to the person who paid it. If returned within 15 days of the day first received, the Policy will be void as if it had never been issued.

The covered pet must be in your possession at a minimum as of the policy effective date or the Policy will be terminated.

This Policy does not provide coverage for:

a. Accidents or illnesses that meet the definition of a pre-existing condition.

b. Future treatment of any injuries or conditions of a leg when there has been cruciate ligament problems to any other leg prior to Policy being in effect.

c. Hip dysplasia if a pet is 6 years of age or older when the Policy goes into effect or if the pet has been previously diagnosed with or been treated for hip dysplasia.

d. Future treatment of any injuries or conditions of a spine when Intervertebral Disc Disease has been previously diagnosed or treated prior to the initial policy effective date

Coverage may be denied if proper routine care is not provided to your pet and such lack of routine care is a direct factor in the claimed accident or illness.

Other exclusions may apply. Please refer to the exclusions section (Section 3 What don’t we cover?) of this Policy for more information.

When this Policy renews, we may require premium, deductibles and/or reimbursement levels be changed due to prior claims experience and/or age of the pet. Premium adjustments may be required if there is a change in your pet’s geographic location (home state and/or zip). We will be sure to give you proper notice as required, including the reason for the change, if this occurs.

For an example of how deductibles and reimbursement levels work in the eventof a claim, please see policy section 4a How to make a claim.

Complaint Notification

Should any complaints arise, the Company may be contacted at the following address, phone number or website listed below:

Accredited Surety and Casualty Company, Inc.

c/o Odie Pet Insurance Marketing Inc.

[3333 Peachtree RD NE

Suite #150

Atlanta, GA 30326

1-888-978-5291

http://GetOdie.com]

If discussions with us or your agent have failed to produce a satisfactory resolution of the problem or you need to file a complaint, please contact the Washington Department of Insurance at the address, phone number or website listed below:

Washington Department of Insurance

P.O. Box 40256

Olympia, WA 98504-0256

1-800-562-6900

www.insurance.wa.gov

________________________________________________________________________________

Important Notice for Policyholders with Trisura Insurance Company Underwritten Policies

Washington Insurer Disclosure of Important Policy Provisions

Underwriter, Producer, Brand Information

Pet health insurance policies are administered by Norse Specialty Insurance Company, Inc. and underwritten by Trisura Insurance Company (NAIC # 22225). Plans are marketed and sold by the Agency/Producer listed below and receives compensation based on the premiums for the insurance policies it sells.

Exclusions

Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.

Agency/Producer	Odie Pet Insurance Marketing, Inc.

Right to Examine and Return

You have 15 days from the day you receive this policy, certificate, or endorsement to review it and return it to the company if you decide not to keep it. You do not have to tell the company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 15 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate, or endorsement. The premium refund will be sent directly to the person who paid it. The policy, certificate, or endorsement will be void as if it had never been issued.

The fastest and easiest way to return your policy is by notifying us in writing through the channels outlined below:

Email	support@odiepetinsurance.com
Mail	Norse Specialty Ins Svcs, Inc Dept: Odie Pet Insurance 16100 N. 71st St, Ste 540 Scottsdale, AZ 85254
Fax	(530) 285-4258

Waiting Periods for Unexpected Injuries Only policies

There is no waiting period for accidents.

Waiting Periods for Unexpected Illnesses and Injuries policies

1. 0 days following the Policy Effective Date for any Injuries and any related Conditions.
2. 14 days following the Policy Effective Date for any Illnesses and any related Conditions.
3. 30 days following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.
4. Once met, these Waiting Periods are waived for continuous, uninterrupted policy renewals, including, at our discretion, uninterrupted policy renewals from other pet insurance providers.
5. The waiting periods may be reduced or waived for coverage acquired through preapproved channels where the health of your Pet is certified by a participating veterinarian prior to coverage being purchased. Please refer to the Declaration Page for your Pet’s specific waiting period.

Please refer to the Declaration Page for your Pet’s specific waiting period.

Changes to Your Premium

Your premium will NOT change based on your Pet’s individual claims experience. Your premium MAY change if your address changes. We require notification within 30 days of an address change.Your premium WILL change at renewal as the covered pet gets older.

Determination of Claim Payments

The Company provides coverage to you for the Pet described in the policy and on the policy declaration page for the Actual Cost of Veterinary Treatment for any eligible condition, subject to the terms of the Policy, after the application of the Co-Insurance, minus the Deductible, up to the Annual Limit of the policy.

The formula for determining claims reimbursement is as follows: eligible expenses multiplied by the reimbursement percentage minus the deductible equals the claim payout.

Example:

($1,200	Total eligible expenses
x 90%)	Reimbursement percentage
– $250	Remaining annual deductible
$830	TOTAL REIMBURSEMENT AMOUNT

Contact Information

Agency/Producer	Odie Pet Insurance Marketing, Inc. 16100 N 71St St, Suite 540 Scottsdale, AZ 85254

Definitions

1. PRE-EXISTING CONDITION: A condition for which any of the following are true prior to the effective date of a pet insurance policy or during a waiting period:
   1. A veterinarian provided medical advice regarding the condition;
   2. The pet received previous treatment for the condition; or
   3. Based on information from verifiable sources, the pet had signs or symptoms directly related to the condition for which a claim is being made.