INDEPENDENCE AMERICAN INSURANCE COMPANY

VERMONT

Insurer Disclosure of Important Pet Insurance Policy Provisions

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.
• “Pet Insurance” means a property insurance policy that provides coverage for Accidents and Illnesses of pets.
• "Pre-Existing Condition" means any condition for which any of the following are true within 180 days prior to the effective date of a pet insurance policy or during any waiting period:

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 made.

A condition for which coverage is afforded on a policy cannot be considered a preexisting condition on any renewal of the policy.

• "Veterinarian" means an individual who holds a valid license to practice veterinary medicine from the appropriate licensing entity in the jurisdiction in which the veterinarian practices.
• "Veterinary Expenses" means the costs associated with medical advice, diagnosis, care, or treatment provided by a veterinarian, including the cost of drugs prescribed by a veterinarian.
• "Waiting Period" means 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. A waiting period may not be applied to a renewal of existing coverage.

Required Disclosures

Policy Exclusions and Limitations

The policy excludes coverage due to any of the following:

1. Pre-existing Conditions on both accident & illness and accident only policies.
2. Breeding and conditions related to pregnancy.
3. Any accident, condition, or Cruciate Ligament Event with respect to which the policyholder was advised by a Veterinarian to take Preventative measures, and did not meet the terms. Cruciate Ligament Events are not covered under the accident only policy.

4. 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. Coinsurance.
4. An Annual 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, Independence American 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 following the day you receive this policy 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, provided you have not filed a claim. You must return it within 30 days following the day you first received it. The company will refund the full amount of any premium paid within 30 days following the day it receives the returned policy. The premium refund will be sent directly to the person who paid it. The policy will be void as if it had never been issued.

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 coinsurance 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 coinsurance until any applicable annual maximum 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^TM Endorsement.

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.
2. 30-days from the pet’s original policy effective date for any Cruciate Ligament Events and any related Conditions.

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. 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 Form for all conditions and requirements that need to be met in order to obtain the waiver of the applicable waiting periods.

Contact Information

State Contact:
State of Vermont
Vermont Department of Financial Regulation
89 Main Street
Montpelier, VT 05620
1-833-337-4685
https://dfr.vermont.gov/

Insurer Contact:
Insurance policies are issued and underwritten by Independence American Insurance Company
Independence American Insurance Company
11333 N Scottsdale Rd, Ste 160
Scottsdale, AZ 85254
1-877-738-7237
customercare@petsbest.com
https://www.independenceamerican.com/

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

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