INDEPENDENCE AMERICAN INSURANCE COMPANY

MONTANA

Notice of Important Policy Provisions

This notice of important policy provisions is required by the state of Montana. It provides a very brief description of the key features of your pet insurance policy. This is not the insurance contract. The Policy itself contains in detail the rights and obligations of both you and your insurance company. Coverage is subject to the terms, conditions, and limitations of your policy. If there is any conflict between this notice and your policy, the insurance policy will govern.

If you purchased an accident only policy, any coverge or exlusions listed herein are only applicable to injuries sustained in an accident. Coverage for illnesses is not included in an accident only policy.

What Isn't Covered

We do not cover:

1. Pre-existing Conditions
2. Preventative Care including, but not limited to: wellness exams, vaccinations or tests, parasite control, and dental care; unless You purchase the optional Wellness Benefit, as shown on the Policy Declarations Page.

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

Waiting Periods

The company will not provide coverage for Veterinarian Expenses if the policy has not been inforce for the following number of days before Treatment occured: a) 14 days for Illnesses and any related Conditions; b) 3 days for Injuries and any related Conditions; c) 6 months for any Cruciate Ligament Events and any related Conditions.

The company may waive or reduce these Waiting Periods under the following circumtances and at our discretion: a) once the Waiting Periods have been met, these Waiting Periods shall be waived for policies that are renewed without interruption, including at our discretion when coverage was provided by another pet insurance provider; b) Waiting Periods may be reduced or waived when then health of your Pet is certified by a participating Veterinarian prior to coverage being purchased; c) please refer to your declarations page for your Pet's specific Waiting Period.

Definitions

Accident – An unforeseen, unexpected event that results in physical injury to the Pet. Undiagnosed injuries are not eligible for Accident coverage. In order for an Accident claim to be paid, we need documentation of a diagnosis from a Veterinarian that demonstrates the Condition definitively resulted from an Accident.

Annual – All Annual Policy Limits and Deductibles are calculated by adding 12 months to your Policy Effective Date, thereby calculating your Policy Renewal Date which is shown on your declarations page. Your policy then utilizes these limits on a year-to-year basis using the period between the Policy Effective Date and the Policy Renewal Date, or from one Policy Renewal Date to the next Policy Renewal Date. The Annual Policy Limits and Deductibles reset to the amounts shown on your policy declarations after each Policy Renewal Date.

Annual Policy Limit – The maximum amount that the policy will pay in any Annual term.

Co-insurance – This term applies to both parties as described on your declarations page. The larger percentage represents our portion of the cost of veterinary Treatment that is paid for any eligible Condition before the application of your chosen Deductible.

Deductible – The Annual amount you pay out-of-pocket for the cost of veterinary Treatment for any eligible Condition after the application of your selected Co-insurance amount.

Illness – Sickness, disease, and any change to your Pet’s normal healthy state not caused by an Accident.

Injury - Physical harm or damage to your Pet caused by an Accident.

Policy Renewal Date - The date that falls exactly 12 months after the Policy Effective Date and every 12 months thereafter.

Pre-existing Condition - Any Condition for which any of the following is true prior to the Policy Effective Date or during any Waiting Period: (1) a Veterinarian provided medical advice; (2) the Pet received previous treatment, or; (3) based on information from verifiable sources, the Pet had signs or symptoms directly related to the Condition for which a claim is being made. A Condition for which coverage is afforded on a policy cannot be considered a Pre-Existing Condition on any renewal of the policty.

Preventative Care – Any Treatment, service or procedure for the purpose of prevention of Injury or Illness for the promotion of general health.

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.

Coverage

Please refer to your policy Declarations Page for detail on your selected Annual Policy Limit, Co-insurance percentage, Deductible and supplemental benefit selection. The information on the Declarations Page applies to each individual pet.

We offer policies that feature the following Annual Policy Limits, Co-insurance percentages, and Deductible:

1. Annual Policy Limits: $2,500, $5,000, $10,000, No Annual Limit
2. Co-insurance options (percentage covered by the company): 50%, 60%, 70%, 80%, 90%
3. Annual Deductible: $50 to $2000 in $50 increments

The following supplemental benefits are available for additional premium and must be chosen at policy enrollment to apply. These supplemental benefits are subject to the terms and conditions of this policy, including the application of Co-insurance, Deductible, and Annual Policy Limits.

1. Office visits/examination fees coverage
2. Take home prescription medications coverage.
3. Rehabilitation, accupuncture, and chiropractic care coverage (also called physical therapy or rehabilitative services).

Paying Premiums

Premium is payable as described on your policy declarations page. The successful payment of your premiums constitutes your acceptance of all terms and conditions contained in this policy. This policy will remain in force until cancelled and will renew automatically every year as long as your premium payments are current.

If premiums are unpaid, the company may cancel the policy by sending a notice of cancellation to you at your last known address at least 15 days before the effective date of cancellation. If you fail to make a premium payment before the cancellation date, the company will cancel your policy back to the date to which your premiums were paid.