AMERICAN PET INSURANCE COMPANY

DELAWARE

Insurer Disclosure of Important Policy Provisions

Pets Best Pet Health Insurance is underwritten by American Pet Insurance Company

Right to Return

You have 30 days from the day you receive this policy, certificate or rider to review it and return it to us if you decide not to keep it. You do not have to tell us why you are returning it. If you decide not to keep it, simply return it to us at our administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 30 days of the day you first received it. We will refund the full amount of any premium paid within 30 days after we receive the returned policy, certificate or rider. The premium refund will be sent directly to the person who paid it. The policy, certificate or rider will be void as if it had never been issued.

Exclusions

A 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

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

2. 30 days following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.

3. Once met, these Waiting Periods are waived for continuous, uninterrupted policy renewals, including, at our discretion, uninterrupted policy renewals from other pet insurance providers.

4. 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

Description of Accident Only Policy

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. The formula for determining claims reimbursement is as follows: eligible expenses multiplied by reimbursement percentage minus deductible = reimbursement amount.

Premiums

The cost of your policy may change if you change geographic locations or your Pet ages, among other factors. Your cost will not change based on your Pet’s individual claims experience.

Underwriting Company

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108. Pets Best Insurance Services, LLC (CA agency #0F37530) is a licensed insurance agency located at 10840 Ballantyne Commons Parkway, Charlotte, NC 28277. Terms and conditions apply. See your policy for details.

Definitions

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

Pet Insurance - Property insurance that provides coverage for Accidents and Illnesses of Pets.

Pre-existing Condition - This policy excludes coverage for conditions present prior to the policy effective date. This means that any condition for which any of the following are true prior to your policy’s effective date, are not eligible for coverage: (1) a Veterinarian provided medical advice; (2) your Pet received previous treatment; or (3) based on information from verifiable sources, your Pet had signs or symptoms directly related to the Condition for which a claim is being made.

Renewal - To issue and deliver at the end of an insurance policy period a policy which supersedes a policy previously issued and delivered by the same pet insurer or affiliated pet insurer and which provides types and limits of coverage substantially similar to those contained in the policy being superseded.

Veterinarian - An individual who holds a valid license to practice veterinary medicine from the appropriate licensing entity in the jurisdiction in which he or she practices.

Waiting 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. Waiting Periods may not be applied to Renewals of existing coverage.

Complaint Resolution

Delaware Department of Insurance Contact Information:

1351 West North Street Suite 101
Dover, DE 19904
1-800-282-8611
https://insurance.delaware.gov/

Pets Best Contact Information:

965 Keller Rd.
Altamonte Springs, FL 32714
1-877-738-7237
https://www.petsbest.com