a New York Domiciled Stock Company, NAIC #12190
Administrative Office: 6100 4th Ave S. Seattle, WA 98108


Insurer Disclosure of Important Policy Provisions

A policy excludes coverage due to any of the following:

1. A preexisting 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

1. 14 days following the Policy Effective Date for any Illnesses and any related Conditions.

2. 3 days following the Policy Effective Date for any Injuries 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 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.

Description of Accident and Illness Plan Coverage

Annual Policy Limit

Option 1 $2,500 Option 2 $5K Option 3 $10K Option 4 No Annual Limit

Co-Insurance (Us / You):

[70%/30%, 80%/20%, or 90%/10% as shown on the policy declarations page]

Annual Deductible per Pet:

[$50 - $1,000 as shown on the policy declarations page]

Supplemental Benefits

Office Visits / Exam Fees

Covered or not covered as shown on the declaration page

Take Home Prescription Medications

Covered or not covered as shown on the declaration page

Rehabilitation, Acupuncture, and Chiropractic Care

Covered or not covered as shown on the declaration page

Description of Accident Only Policy

Annual Policy Limit


Co-Insurance (Us / You):


Annual Deductible per Pet:


Deductible & Coinsurance

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 selected Co-Insurance amount.

CO-INSURANCE: This term applies to both parties as described on your declarations 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.

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 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.


Chronic Condition – A Condition that can be treated or managed, but not cured. This includes, but is not limited to, Cruciate Ligament Event, atopy, renal disease, osteoarthritis, diabetes, inflammatory bowel disease, Cushing’s, heart disease, hyperthyroidism, and hip dysplasia

Pre-existing Condition - 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 [Policy Effective Date] or during any Waiting Period

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