Pet Insurance California Disclosure

California Insurer Disclosure of Important Policy Provisions

Please read Your Policy carefully for complete information on the coverage provided. If there is any conflict between the Policy and this notice, the provisions of the Policy will prevail.


Pre-Existing Conditions

We do not cover Pre-existing conditions. Pre-existing conditions means: A Medical Condition that first occurred or showed Clinical Signs before the effective date of the Policy, as shown on the Declarations Page, or showed Clinical Signs during the Waiting Period.

Congenital Anomalies or Disorders

We do not cover costs or fees for any conditions or disorders present at, and existing from, the birth of Your Pet where Clinical Signs were apparent prior to the effective date of the Policy, as shown on the Declarations Page, or prior to the expiration of the Waiting Period.

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

Waiting Period:

There is a 15-day Waiting Period from the Pet Policy Effective Date for Injury and Illness and additional Waiting Periods may apply based on additional types of coverages You elect to purchase. Please refer to the Waiting Periods listed on the Declarations Page of Your Policy for more information.


The Deductible is the amount, whether annual or per incident, You are required to pay, per Pet, for Treatments covered by Your Policy before We begin to reimburse You. Your Deductible is shown on the Declarations Page of Your Policy.


The Copayment is the percentage of Your Claim for which You are required to pay after any applicable Deductible amount is applied. Your Copayment is shown on the Declarations Page of Your Policy.

Annual and Lifetime Policy Limits:

Your Policy contains an Annual Benefit, which is the most We will pay during a Policy Period as shown on Your Declarations Page. Your Policy also contains a Lifetime Benefit, which is the most We will pay during the lifetime of Your Pet, as shown on Your Declarations Page.

Payment of Claims:

Reimbursements are based on Your actual veterinary bill. We determine the total of the covered treatments and multiply that by Your reimbursement level determined by Your Copayment. Thereafter, We subtract Your remaining annual Deductible, if any. We provide the following as an example:

$1,200 Covered Treatments
x 90% Your reimbursement level based on Your Copayment
-$100 Your remaining annual Deductible
$980 Reimbursable Amount

Benefits Schedules:

The below benefit schedules may apply to the coverage afforded under Your Policy, however, whether You choose to purchase certain additional coverages offered will determine whether certain benefit schedules apply. Please consult Your Policy and any endorsements for a complete explanation of Your potentially applicable benefits schedules.

Changes to Your Coverage:

Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.


Benefit Schedule

Emergency Ambulance Transportations
Anesthetic Removals
No more than two (2)
Alternative Therapies Endorsement
Chiropractic Care
Mortality Benefit
Endorsement Limit
Cremation & Burial Expenses
Replacement Cost
Prescription Drug
50% of the Costs of Meds