Pet insurance policies are underwritten by Independence American Insurance Company*.

Insurer Disclosure of Important Policy Provisions

Our Coverage for Selected Conditions

  • Green Checkmark
    Pre-existing conditions are not covered.
  • Green Checkmark
    Congenital anomalies or disorders and herediatry disorders are excluded from coverage unless the HereditaryPlus endorsement is purchased. The HereditaryPlus endorsement is available for enrollment for dogs under two years old.
  • Green Checkmark
    Chronic conditions are covered unless they are pre-existing.
  • Green Checkmark
    Other exclusions may apply. Please refer to the exclusions section of your policy for more information.
  • Green Checkmark
    We do not reduce coverage or increase premiums based on your pet's individual claim history.

Summary Description of Claim Payment Determination

The allowable amount of claim is determined by:

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    Annual deductible
  • Green Checkmark
    Co-pay amount
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    Waiting periods
  • Green Checkmark
    Incident and annual limits

Reasonable and customary charges means typical fees of the cost that veterinarians charge in your geographic area based on available veterinary fee information and proprietary data. These R& C amounts are derived and confirmed from both internal and external data whereby a given procedure or treatment on a veterinarian bill is cross checked with the cost of that same procedure or treatment charged by other veterinarians in that geographic area.

Example of Claims Payment Formula

The deductible is subtracted from the covered amount. Once a deductible has been met, the remaining covered amount is reimbursed at the reimbursement percentage chosen at enrollment.
An example with a $1,300 covered amount, a $100 annual deductible and a 90% reimbursement percentage.

$1,300 - $100 = $1,200
$1,200 x .9 = $1,080 (reimbursed amount)

Waiting Periods

The waiting period is the period of time specified in the policy that must pass before some or all of the coverage begins. The waiting period applies to the pet original start date and any coverage increases but does not apply to your annual renewal, provided you maintain continuous coverage with us. The waiting period begins as of the effective date of the coverage period.

Waiting periods for coverage:
There is a fourteen day waiting period per pet before we will cover an illness, except for IVDD (Intervertebral Disc Disease) where there is a 180-day waiting period. There is a two day waiting period per pet before we will cover an accident, except for cruciate ligament related conditions where there is a 180-day waiting period.

Exclusions

This policy does not cover conditions related to pre-existing conditions.

  1. Pre-existing Conditions including, but not limited to:
    1. Bilateral Condition, presenting on one side of the body. For example, a cruciate tear in the left leg that showed symptoms prior to the coverage period or during a waiting period, a subsequent cruciate tear in the right leg will be considered pre-existing.
    2. IVDD (Intervertebral Disc Disease) if diagnosed, treated, or showing symptoms prior to the coverage period or during the waiting period and any further episodes of IVDD or any future occurrence of this condition.

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

Terminology and Meaning

Congenital anomaly or disorder

Congenital means an illness, disease or condition that was present at or dated from the birth of your pet.

Hereditary disorder

An abnormality that is genetically transmitted from parent to offspring and may cause illness or disease.

Pre-existing condition

Pre-existing condition means any illness or injury which occurred, reoccurred, existed or showed symptoms, whether or not diagnosed by a veterinarian, prior to the original start date, coverage period of during the waiting period.

Waiting or affiliation 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 can begin. There is a 14-day waiting period per pet for illness, except for IVDD where there is a 180-day waiting period. There is a 2-day waiting period per pet for accident, except for cruciate ligament related conditions where there is a 180-day waiting period.

Benefit Schedule of Preventative Endorsements

  Maxium Allowable Limits
Preventative Benefit Defender DefenderPlus
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
Benefit Value $305 $535
Your Cost $192 $312