MS TRANSVERSE INSURANCE COMPANY

CALIFORNIA

Insurer Disclosure of Important Pet Insurance Policy Provisions

Policy Exclusions and Limitations

The policy excludes coverage due to any of the following:

1. Preexisting Conditions on both Accident & Illness and Accident only policies.
2. A Chronic Condition if manifested prior to coverage.
3. Any Accident, condition, or Cruciate Ligament Event with respect to which the policyholder was advised by a Veterinarian to take preventive measures, and did not meet the terms.
4. Cruciate Ligament Events are not covered under the Accident only policy.
5. Intervertebral Disc Conditions are not covered under the Accident only policy.

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

The policy limits coverage through

1. Waiting Periods.
2. Deductibles.
3. Co-Insurance.
4. An Annual Policy Limit.

We do not reduce coverage or increase premiums based on the policyholder's claim history.

We may increase premiums based on:

1. The age of the covered Pet.
2. A change in the geographic location of the policyholder

Insurance Carrier

The underwriting carrier, MS Transverse Insurance Company, differs from the brand names used to market and sell the product.

Right to Examine and Return a Policy

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 agent or insurance Producer that you bought it from as long as a claim has not been paid or the Company has not advised in writing the claim would be paid. 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.

Waiting Periods

Accident and Illness Plan:
This policy includes the following Waiting Periods:

1. 14-days from the Pet's original Policy Effective Date for Illnesses and any related conditions.
2. 30-days from the Pet's original Policy Effective Date for any Cruciate Ligament Events and any related conditions; only if caused by an Illness.

This policy does not apply any Waiting Periods:

1. to Injuries sustained in an Accident.
2. to Orthopedic Injuries sustained in an Accident.
3. upon Renewal of existing coverage.

Accident Only Plan:
This policy does not apply any Waiting Periods:

1. to Injuries sustained in an Accident.
2. to Orthopedic Injuries sustained in an Accident.
3. upon Renewal of existing coverage.

All Plans:
Any applicable Waiting Periods begin on the covered Pet’s original Policy Effective Date. Once an applicable Waiting Period has expired, as calculated from the covered Pet’s original Policy Effective Date, additional Waiting Periods are waived for subsequent coverage periods, provided you maintain an active policy, with no gap in coverage, which is continuously in-force and renewed annually. At our discretion, these Waiting Periods are waived for uninterrupted policy Renewals from other Pet Insurance providers.

Any applicable Waiting Period limitations are shown on the Declarations Page.

Waiver of Waiting Periods:

We may waive an applicable Waiting Period upon completion of a veterinary examination and submission of the Waiting Period Waiver Form. Please refer to the Waiver Period Waiver Form for all conditions and requirements that need to be met in order to obtain the waiver of the applicable Waiting Periods.

Once we receive the examination records and the completed Waiting Period waiver form from your Veterinarian, we will determine if it meets our review criteria. If it does, we will waive any applicable Waiting Periods shown on the declarations page. If the waiver of the Waiting Period is granted, any conditions identified during the Veterinarian examination may be considered Preexisting Conditions under the terms and conditions of your policy.

Description of Accident and Illness Plan Coverage

Description of Accident Only Plan Coverage

Deductibles and Co-Insurance

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 represent our portion of the Actual Cost of Veterinary Treatment that is paid for any eligible condition before the application of your chosen Deductible.

Claims Payments

Benefits are subject to all terms, conditions, and limitations of the policy.

Claim Payment Methodology:

Depending on plan selection and availability, We will process claims utilizing the following methodology:
We first apply your Co-Insurance to the eligible charges. We then apply the remaining eligible charges to your Annual Deductible. Once your policy Annual Deductible has been met, claims for eligible charges are subject only to your Co-Insurance until any applicable Annual maxi- mum has been reached.

Claim Payment Methodology for Optional Preventive Care Benefit (EssentialWellness/BestWellness™ Endorsement):

Preventive Care services, if included as covered benefits under your policy, are reimbursed at the actual cost of the covered expense incurred, up to the applicable maximum allowable limit shown on the benefit schedule in the EssentialWellness/BestWellness™ Endorsement.

POLICY DEFINITIONS

Following is a list of terms defined for use in our Pet Insurance Policy:

• Chronic Condition means a condition that can be treated or managed, but not cured.
• Orthopedic refers to conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments. Orthopedic does not include cancers or metabolic, hemopoietic, or autoimmune diseases.
• Pet Insurance policy means a property insurance policy, certificate, or rider that provides coverage for Accidents and Illnesses of Pets.
• Preexisting Condition means a condition for which any of the following apply regarding a Pet prior to the effective date of a Pet Insurance policy for the Pet or during any Waiting Period:
1. A Veterinarian provided medical advice regarding the Pet;
2. The Pet received previous treatment; or
3. 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.
• Producer means a person licensed pursuant to Section 1625 or 1625.5 who transacts Pet Insurance in California.
• Renewal has the same meaning as defined in subdivision (e) of section 660.
• Veterinarian means an individual who holds a valid license to practice veterinary medicine from the Veterinary Medical Board pursuant to Chapter 11 (commencing with Section 4800) of Division 2 of the Business and Professions Code or other appropriate licensing entity in the jurisdiction in which the individual practices.
• Veterinary Dental Care means the prevention, diagnosis, and treatment of Conditions, diseases, and disorders of the oral cavity, the maxillofacial region, and associated structures.
• Veterinary Expenses mean the costs associated with medical advice, diagnosis, care, or treatment provided by a Veterinarian, including, but not limited to, veterinary dental care, the cost of drugs prescribed by a Veterinarian, and services provided under the supervision of a Veterinarian.
• Waiting Period means the period of time specified in a Pet Insurance policy that is required to transpire before some of all of the coverage in the policy can begin. Waiting Periods may not be applied to renewals of existing coverage.
• Wellness program means a subscription or reimbursement-based program that is separate from an insurance policy and that provides goods and services to promote the general health, safety, or well-being of the pet.

CONTACT INFORMATION

State Contact:
State of California Department of Insurance
Contact Information:
300 South Spring Street, South Tower
Los Angeles, CA 90013
800-927-HELP (4357)
https://www.insurance.ca.gov

Insurer Contact:
Insurance policies are issued and underwritten by MS Transverse Insurance Company
MS Transverse Insurance Company
15 Independence Blvd, Suite 430
Warren, NJ 07059
https://www.mstransverse.com

Administrator Contact:
Plans are administered by Pets Best Insurance Services, LLC, a licensed agency
965 Keller Rd.
Altamonte Springs, FL 32714
1-877-738-7237
https://www.petsbest.com

Marketing Contact:
Plans are offered and marketed by Pets Best Insurance Services, LLC.
965 Keller Rd.
Altamonte Springs, FL 32714
1-877-738-7237
https://www.petsbest.com