For California Residents

Insurer Disclosure of Important Policy Provisions

Please read the following information to help understand important policy details.

The policy excludes coverage due to any of the following:

  1. A pre-existing condition
  2. A chronic condition if manifested prior to coverage

Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Waiting Periods that Apply

The following waiting period is applicable for the Accident and Illness plans:  There is a fourteen (14) day waiting period beginning after the effective date of the Policy during which we will not cover any Illness or Wellness Benefits.  There is a three  (3)  day  waiting  period beginning after the  effective  date of  the Policy  during which we  will not  cover  any Accidental Injury Benefits. These waiting periods are waived for continuous, uninterrupted Policy Renewals.

The waiting period 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 your Declaration Page for your Pet’s specific waiting period.

Deductible & Coinsurance

All Claims are subject to a Deductible and Coinsurance except the Optional Wellness Benefit. Deductible refers to the amount of a Covered Loss for which you are liable before Benefits apply. Coinsurance is the stated percentage of each covered Claim for which you are responsible for paying. Coinsurance is in addition to any Deductible for which you are also responsible. The specific Deductible and Company Coinsurance percentage is stated on the Policy Declarations Page.

The following is applicable to an Annual Deductible plan: The Annual Deductible will be applied and deducted from covered Claims before Benefits apply. Once the Annual Deductible amount has been met, the Policy will pay out all future losses for the remaining Policy Term at the selected Coinsurance amount. Coverage will not exceed the annual Policy Limits for all Covered Losses.

Description of Accident and Illness Plan Coverage - Annual

If the Declaration Page indicates that you have paid the required Premium for this Benefit than this Policy will provide Accident and Illness coverage for the Pet(s) named on the Declarations Page for this Coverage.

 

Option 4

Option 5

Option 6

Option 7

Option 13

Coinsurance Amount:

70% - 100% as shown on the declaration page

80% as elected

Annual Deductible per Pet:

$0 - $1,000 as shown on the declaration page

$200 - $1,000 as elected

Annual Maximum Benefit:

$1,000

$5,000

$10,000

$20,000

$2,500

Take Home Prescription Medications

Covered or not covered as shown on the declaration page

Rehab and Physical Therapy

Covered or not covered as shown on the declaration page

Office Visits / Exam Fees

Covered or not covered as shown on the declaration page

Holistic / Alternative Care (Annual Benefit):

Not Covered

$350 or Not Covered as shown on the declaration page

$600 or Not Covered as shown on the declaration page

$1,000 or Not Covered as shown on the declaration page

$150 or Not Covered as shown on the declaration page

Per Pet Lifetime Maximum Benefit:

$5,000

$100,000

$150,000

$200,000

$50,000

Description of Accident-Only Plan Coverage - Annual

If the Declaration Page indicates that you have paid the required Premium for this Benefit than this Policy will provide Accident only coverage for the Pet(s) named on the Declarations Page for this Coverage.

 

Option 10

Coinsurance Amount:

70%-100% as elected

Annual Deductible per Pet:

$0-$1,000 as elected

Annual Maximum Benefit:

$10,000

Per Pet Lifetime Maximum Benefit:

$20,000

 

Claims Procedures

Payments for Claims are subject to: the terms of the Policy; any coverage limitations; Deductibles; and Coinsurance.We will make all Claims payments directly to you, unless we receive a written notice from you requesting that such payment be made directly to the veterinary provider listed on the Claim. Claim forms can be accessed on-line at the website address below or can be obtained by contacting Pets Best Pet Insurance Services, LLC. The most we are obligated to pay for Covered Loss is the lesser of the actual amount incurred for the treatment of an insured Pet, minus Deductible and Coinsurance; or the applicable scheduled Policy maximum benefit.

Increases in premium are based on claim history of all insured pets.

Definitions

Chronic Condition– A condition that can be treated or managed, but not cured including, but not limited to, cruciate ligament tear or rupture, atopy, renal disease, osteoarthritis, diabetes, inflammatory bowel disease, Cushing’s, heart disease, hyperthyroidism, and hip dysplasia.

Pre-existing Condition- means any condition for which a veterinarian provided medical advice, the pet received treatment for, or the pet displayed signs or symptoms consistent with the stated condition prior to the effective date of a pet insurance policy or during any waiting period.

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