Pet Insurance

OnePack Plan by petpartners~
Now You Can Play More and Worry Less

Protect your furry family members with plans available now during Open Enrollment.

Take the Stress Out of Unexpected Vet Bills
Pet insurance reimburses you for the cost of accidents and illnesses throughout your pet’s life.
Here’s how it works:
1. Visit any licensed vet or clinic
2. Pay your vet and submit a claim
3. Get reimbursed for eligible expenses

Employee Plan
• Visit any vet
• Enjoy great perks such as Rx discounts, 24/7 live vet & more
• Pre-existing condition coverage*
• Prior Coverage Credit
• Simple, straightforward pricing
• Premiums paid through payroll deduction

Benefits
Coverage (subject to any Deductible, Coinsurance and Annual Limit)
Medically Necessary Supplies and Treatment, including emergency care and prescription medications (when dispensed directly by a veterinarian or compounded by a pharmacist under guidance of a veterinarian, excluding over-the-counter medications) performed for conditions that started after the Benefit Waiting Period, if any, and during the Coverage Period, resulting from:
• Accidents, such as, an automobile Accident, ingestion of a foreign body, poisoning, animal bites, dental trauma, burns and fractures • Illnesses

BASE PLAN (without Wellness)	Benefit	ADDITIONAL BENEFITS (with Wellness)	Benefit
Annual Deductible	$300	Base plan benefits plus benefits below
Coinsurance (% the policy pays)	80%	Office Exams and Telehealth Consult	Not Included
Annual Limit	$5,000	Rehabilitation and Physical Therapy	Included Subject to Deductible & Coinsurance
Diminishing Deductible Deductible is reduced by specified dollar amount each year pet is claim free while continuously covered	Included $50	Alternative and Behavioral Care Acupuncture, Chiropractic, Homeopathy, Herbal Therapy, Naturopathy, and Vitamins/ Supplements	Included Subject to Deductible & Coinsurance Behavioral Care subject to $1,000 Annual Limit and 14-day Benefit Waiting Period
Minimum Issue Age of Pet at Effective Date	8 Weeks	Inherited and Congenital Care	Included Subject to Deductible and Coinsurance, and 30-day Benefit Waiting Period
Maximum Issue Age of Pet at Effective Date	10 Years	Final Respects (Cremation/ Burial/ Remains Disposal Only)	Included $300 Limit Paid in excess of Annual Limit Not subject to Deductible or Coinsurance
Expiration Age of Pet	None	Routine Dental	Not Included

Optional Preventive Care	Max Allowable Limit
Rabies Vaccine	$30
Flea/Tick Prevention	$50
Heartworm Prevention	$50
Blood, Fecal, Parasite Test	$30
Preventive Vaccines (as recommended by AVMA)*	$45
Urinalysis or ERD	$30
Heartworm Test or Feline Leukemia (FeLV) Test	$30
Spay/Neuter	$50
Microchip	$50
Office Visit/Exam Preventive (Wellness) Exam Only	$35
*Limit shown is maximum paid for all vaccinations, regardless of number

Benefit Waiting Periods:
Injuries	Waived
Illnesses	Waived
Cruciate Ligament	6 Months
Pre-Existing Conditions	6 months look back, then covered after 12 months

Prior Coverage Credit	Included
Credit toward satisfying the Benefit Waiting Periods and the Pre-Existing Condition provision for comparable, prior pet insurance which was in effect immediately before the Effective Date
Continuity of Coverage
In the event you are no longer eligible for coverage under this group plan, don’t worry! You may apply for individual pet insurance through PetPartners, Inc and receive credit for the time covered under the group pet insurance plan. This means that credit will be given for the time covered under the group pet insurance plan toward satisfying the Pre-Existing Condition waiting period and the Benefit Waiting Periods. You must have no lapse in coverage between the two plans in order to qualify.