Affordable Health Insurance for Pets. all about

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1 all about VPI Pet Insurance The Trusted Choice of America s Pet Lovers Since 1982

2 just the facts: What is VPI Pet Insurance? VPI Pet Insurance provides health and accident insurance for dogs, cats, birds and a variety of exotic pets. In addition, pet insurance provides both protection for a pet and peace of mind for a pet owner. Pet owners shouldn't allow finances to get in the way of giving their pets the care they need. Just like with any other family member they want what's best for the pet and VPI Pet Insurance is there to help. VPI polices start at just $10 a month with a per-incident deductible. The average cost of a plan for a dog is $25 to $30 a month. The cost varies by species, age and state of residence. These policies cover a multitude of medical conditions that are not pre-existing, congenital, hereditary or otherwise excluded from coverage. In addition, pet owners are free to visit any licensed veterinarian anywhere, even when away from home. Optional CareGuard SM coverage offers benefits for routine care including dental cleanings, physical exams and vaccinations. For an annual fee, policyholders receive additional yearly benefits. A deductible does not apply to these routine care benefits. To learn more about offering VPI Pet Insurance as a Voluntary Benefit, visit eb.petinsurance.com or call 800-USA-PETS

3 more facts: VPI History and Background Veterinary Pet Insurance Company/DVM Insurance Agency ( VPI ) was founded in The company provided its first policy in 1982 to TV s Lassie and has been protecting America s pets ever since. VPI is the nation s oldest and largest licensed health insurance plan provider for pets. Over 2,000 companies nationwide offer VPI Pet Insurance to their employees as a voluntary benefit. VPI plans are available in all 50 states and the District of Columbia. Polices in California are underwritten by Veterinary Pet Insurance Company in Brea, California. Policies in other states are underwritten by National Casualty Company, an A+15 rated company in Madison, Wisconsin. 9 out of 10 veterinarians who recommend pet insurance recommend VPI. Industry Information There are more than 74.8 million dogs and 88.3 million cats in the U.S. More than 63 percent of U.S. households (71.1 million) own a cat or dog. More than 91 percent of pet owners take their dogs and cats to the veterinarian for vaccination and preventive care. Dog owners average 2.8 annual visits to the veterinarian, 2.3 visits for cats. The highest-priced single class of expenditures on pets in 2007 was surgical visits, averaging $453 for dogs and $363 for cats. Total U.S. pet industry expenditures in the U.S. in 2008 is estimated to be 43.4 billion, compared to 28.5 million in (Source: Pet Insurance in North America by Packaged Facts, November 2005; American Pet Products Manufacturers Association, Inc.; National Pet Owners Survey). Rates and benefits effective January Our Mission Our mission is to empower pet owners to make optimal healthcare decisions for their pets, and by doing so remain the trusted choice of America s pet lovers. eb.petinsurance.com 800-USA-PETS 3060 Saturn Street, Brea, CA 92821

4 even more facts: Coverage VPI Pet Insurance policies help pay for medical problems and conditions related to accidental injuries, poisonings and illnesses (even cancer), including diagnostic tests, X-rays, treatments, prescriptions, lab fees, surgeries and hospitalization. Optional routine care coverage available for dogs and cats (CareGuard SM ) and birds (Avian Supplemental & Routine Care Coverage). Policyholders can visit any licensed veterinarian, veterinary specialist or animal hospital in the world. Policies cover: dogs, rabbits, cats, iguanas, birds, sugar gliders, mice, tortoises, turtles, gerbils, lizards, ferrets, guinea pigs, small chameleons, geckos, hamsters, chinchillas, potbellied pigs, rats, hedgehogs, snakes and frogs. Age or size requirement: 1. Dogs and cats between six weeks and 10 years of age for new enrollments. 2. Birds age three months and older. They must be in the owner s possession for a minimum of 60 days. 3. Rabbits, guinea pigs, snakes and other common exotic pets must be six weeks old. Examples of Coverage for Dogs and Cats Ear infections Gastric torsion (bloat) Skin rashes Heart conditions Accidents (lacerations, Kidney and bladder poisonings, fractures, sprains, infections wounds) Parvovirus Gastrointestinal upsets Leukemia causing diarrhea and/or vomiting Abscesses Bladder infections and Cancer Feline Urological Syndrome Diabetes (FUS) Respiratory problems Liver disease (Subject to policy terms and conditions) Plan Type Annual Maximum Per-Incident Deductible VPI Standard Plan VPI Superior Plan VPI Avian & Exotic Pet Plan $9,000 $14,000 $7,000

5 faq about vpi: What does my Veterinary Pet Insurance policy cover? Plans cover medical treatments and surgeries for accidents and illnesses and a multitude of medical conditions ranging from minor problems such as ear infections and bee stings, to major conditions such as broken bones, diabetes and cancer. How does the deductible work? VPI s low deductible applies to each different accident or illness per policy term. You may submit multiple claims for the same accident or illness (e.g., pet is hit by car and requires follow-up visits) and only one deductible applies because it is related to the same incident. How does my policy pay after the deductible? Your pet s policy pays 90% of the Benefit Schedule allowance, per incident, during each policy term. What situations are not covered? Like most insurance policies, there are some exclusions to keep your premiums low including, including but not limited to: elective procedures, pet foods, grooming, behavioral problems, congenital or hereditary defects and medical conditions that are present prior to the policy effective date. Vaccinations, routine teeth cleaning and other annual routine care expenses are not covered under the primary plans, but are available through optional CareGuard SM wellness coverage, and payment of additional premium. If my pet has a health problem, will it be covered under my new policy? A pre-existing condition prior to the policy effective date may be covered during the policy term if the condition has been cured. What payment options are available? VPI offers convenient payment options: payroll deduction (for qualified employees only) and credit card, checking account automatic deduction or annual payment. A VPI representative can confirm which payment options are available to you. eb.petinsurance.com 800-USA-PETS 3060 Saturn Street, Brea, CA 92821