PET INSURANCE comparison chart

1 PET INSURANCE What makes a pet INSURANCE plan great? We asked the companies that question then asked the whole field. Comparing pet INSURANCE for you, your veterinary team or your comparison chart veterinary clients? Start right here. ASPCA Embrace Figo Nationwide Petplan Pets Best Trupanion What counts as An illness, disease, injury An injury, illness or A condition that has An injury or illness A medical condition An illness or injury An illness, condition or or change to a pet's health irregularity noticed shown signs 1) before that was present prior that first occurred that begins 1) before injury for which signs a pre-existing that first occurs or shows before the end of the the policy effective to the purchase of or showed clinical a policy is effective or or evidence of their condition?

2 Do signs 1) before coverage waiting period, even if date or 2) during a an INSURANCE policy. signs 1) before the 2) during your waiting potential manifestation some chronic is effective or 2) during the pet never went to waiting period. If Chronic conditions effective date of this period. existed 1) within the a waiting period. This see the veterinarian for we cover the chronic that are eligible for policy or 2) during the 18 months prior to the conditions become includes conditions that it. Curable pre-existing condition, we continue coverage will remain policy waiting period.

3 Policy enrollment date pre-existing when are related to, secondary conditions could to cover it when the eligible providing the Certain conditions or 2) during applicable a new policy term or resultant from a be covered moving policy renews. We even policy is current and in may be covered in the waiting periods. pre-existing condition. A forward if the pet is allow for some pre- good standing. future if a pet goes a begins? condition will no longer be free of signs for 12 existing conditions that determined amount of considered pre-existing if months. are deemed curable time without further your pet's condition has to become eligible for clinical signs.

4 Chronic been cured and free from coverage after the pet conditions are covered treatment and signs for a has gone 12 months for the life of the pet period of 180 days. With from the last date of as long as there in no Complete Coverage, as treatment without lapse in coverage. long as there is no lapse in showing any recurring coverage, conditions will signs. not become pre-existing when a new policy term begins. How is wellness, Preventive Care Wellness Rewards Not Plans with wellness Not Two tiers of routine Not coverage is (which works like applicable (like Whole Pet Plan) or applicable care coverage are applicable non-illness or available.)

5 A Health Savings plans with a wellness available. non-injury care Account, with $250, rider are available. covered? $450 or $650. allowance per year). reimburses for everyday veterinary, training and grooming costs. Are veterinarians Not Yes, when requested Not No Yes, when requested Yes, this is an option. Trupanion Express typically by the policyholder typically by the policyholder desktop application paid directly? and agreed to by the and agreed to by the pays veterinarians veterinary practice. veterinary practice. directly for clients'. eligible claims in minutes at the time of checkout.

6 Note: This information was provided directly by the companies themselves and has not been independently verified. PET INSURANCE comparison chart (cont.). ASPCA Embrace Figo Nationwide Petplan Pets Best Trupanion Does the plan Money-back 30-day money-back 30-day free look of Money-back 30-day trial period in Trial period, except in Trupanion provides guarantee within 30 guarantee INSURANCE and Pet guarantee states that allow it; New York. hospitals with special offer a trial days of policy effective Cloud service; if pet 30-day money-back exam-day offers to period to pet date owners don't submit guarantee where hand out to clients with owners?

7 Claims and cancel applicable immediate coverage, within 30 days, they waiving waiting receive a full refund of periods instantly upon the premium. activation. Do plans use a No, except for No No Varies based on plan No No, except for routine- No benefit schedule? Wellness coverage care coverage Are therapeutic Yes, if specifically Yes, with optional No, except in cases Yes, on the Whole No, only nutritional or No Yes, 50 percent of the prescribed to treat an Wellness Rewards of therapeutic diets Pet Plan if prescribed herbal supplements cost of therapeutic diets covered?

8 Eligible condition program during treatment of to treat an eligible for a coverable food less the bladder stones or urine condition accident or illness. deductible and 10. crystals percent coinsurance, when recommended by the veterinarian for treatment of covered injuries or illnesses for up to two months of feeding What dental Dental cleanings are Dental work for Non-routine dental Varies depending on Dental procedures for BestBenefit plans Treatment for all new work is covered? covered if they're fractured teeth work can be eligible the plan and wellness injuries and illnesses, include coverage for dental illnesses and Are prophylaxes for treatment of is covered (a new for coverage if it is rider.)

9 Whole Pet Plans such as periodontal dental injuries. In injuries is covered, a covered illness, policy with more an accident or illness, have broad coverage disease, are covered; addition, periodontal including extractions covered? If so, such as periodontal comphrensive dental such as a broken tooth for periodontal and for example, pre- disease is covered as of permanent and under what disease. Otherwise, up to $1,000 per or extraction. Routine other oral diseases, anesthetic testing, long as starting at baby teeth, root circumstances? a dental cleaning is term is coming soon).

10 Dental cleanings or including coverage for anesthesia, scaling/ the age of 3 the pet canal treatment for only covered with Prophylaxis is covered prophylaxes are not comprehensive oral polishing, radiographs, has had his or her teeth canine or carnassial optional Preventive in the Wellness covered. health assessment and extractions, root cleaned in the prior 13 teeth, and endodontic Care coverage. While Rewards plan. treatment (COHAT). canals, gingival pocket months. Prophylaxes treatments performed treatment of dental treatments, pain are covered under on other teeth.