Common use of Claims Conditions Clause in Contracts

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Us, as soon as practicable. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60), or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request Form. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and not controlled by Us, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending and future benefits under the Policy will be lost with respect to the Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-one

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You you incur a loss You you must notify Us us by providing the following: i. A completed claim form with Us, us as soon as practicable; but not later than one hundred eighty (180) days after the first date of treatment. Claims filed after 180 days will be denied. ii. Invoices from Your your treating Veterinarian veterinarian listing the services performed, products provided and the itemized charges for Treatmenttreatment, including packages and/or discounts. iii. The name, address and signature of the treating veterinarian on the claim form. iv. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian your veterinarian prior to claim processing. b. We reserve have the right to ask for information from any Veterinarian veterinarian that has ever seen Your Pet(syour pet(s) in order to assess its health. c. We, at Our our expense, have the right to have any covered Pet(spet(s) examined by a Veterinarian veterinarian of Our our choice as often as reasonably necessary while a claim is pending. d. If You you disagree with the decision made by Us, You us you have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60), or as soon as reasonably practicable, ) of the decision and must be in writing on a Claims Redetermination Request Form. If the appeal is regarding a disagreement over medical facts, rather than Policy policy coverage or terms, We may, we may at Our our own discretion, discretion consult with an impartial Veterinarian veterinarian selected by Usus, who is independent and not controlled by Usus, to conduct a review. Any such redetermination by the impartial Veterinarian veterinarian will be binding on Usus. e. Claims under investigation are pended as ineligible for payment until the investigation is complete. f. If We we pay a claim contrary to this Policypolicy’s terms and conditions, that payment does not waive Our our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You you any claim amount paid incorrectlyincorrectly paid. f. g. If You you or anyone acting on Your your behalf submits a fraudulent claim, all pending and future benefits under the Policy policy will be lost with respect to the Policyyour policy. g. h. No action can be taken against Us unless You us unless, you have complied with all of the terms and conditions of this Policypolicy, and ninety-oneninety one (91) days after proof of loss is filed and the amount of loss is determined as provided in this policy. You will have thirty six (36) months from the date the claim is denied to take legal action against us with respect to recovery of a claim under this policy. i. It is hereby mutually agreed that any dispute or difference of agreement arising between the company and the policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be Raleigh, North Carolina unless the laws of the state of the insured dictate otherwise. j. You must cooperate with us in the investigation or settlement of any claim. k. Any illness or injury where a final diagnosis has not been made will be pended as ineligible until we receive written documentation from your veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable., of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. SAMPLE ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. SAMPLE j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing.. SAMPLE b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under the laws of the District of Columbia. The place of Arbitration will be the District of Columbia. The Policyholder may waive any rights to a trial in court, including a jury trial. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. Sample h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have sixty (60) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We

Claims Conditions. a. In the event You you incur a loss You you must notify Us us by providing the following: i. A completed claim form with Us, us as soon as practicable; but not later than one hundred eighty (180) days after the first date of treatment. Claims filed after 180 days will be denied. ii. Invoices from Your your treating Veterinarian veterinarian listing the services performed, products provided and the itemized charges for Treatmenttreatment, including packages and/or discounts. iii. The name, address and signature of the treating veterinarian on the claim form. iv. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian your veterinarian prior to claim processing. b. We reserve have the right to ask for information from any Veterinarian veterinarian that has ever seen Your Pet(syour pet(s) in order to assess its health. c. We, at Our our expense, have the right to have any covered Pet(spet(s) examined by a Veterinarian veterinarian of Our our choice as often as reasonably necessary while a claim is pending. d. If You you disagree with the decision made by Us, You us you have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60), or as soon as reasonably practicable, ) of the decision and must be in writing on a Claims Redetermination Request Form. If the appeal is regarding a disagreement over medical facts, rather than Policy policy coverage or terms, We may, we may at Our our own discretion, discretion consult with an impartial Veterinarian veterinarian selected by Usus, who is independent and not controlled by Usus, to conduct a review. Any such redetermination by the impartial Veterinarian veterinarian will be binding on Usus. e. Claims under investigation are pended as ineligible for payment until the investigation is complete. SAMPLE f. If We we pay a claim contrary to this Policypolicy’s terms and conditions, that payment does not waive Our our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You you any claim amount paid incorrectlyincorrectly paid. f. g. If You you or anyone acting on Your your behalf submits a fraudulent claim, all pending and future benefits under the Policy policy will be lost with respect to the Policyyour policy. g. h. No action can be taken against Us unless You us unless, you have complied with all of the terms and conditions of this Policypolicy, and ninety-oneninety one (91) days after proof of loss is filed and the amount of loss is determined as provided in this policy. You will have thirty six (36) months from the date the claim is denied to take legal action against us with respect to recovery of a claim under this policy. i. It is hereby mutually agreed that any dispute or difference of agreement arising between the company and the policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be Raleigh, North Carolina unless the laws of the state of the insured dictate otherwise. j. You must cooperate with us in the investigation or settlement of any claim. k. Any illness or injury where a final diagnosis has not been made will be pended as ineligible until we receive written documentation from your veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel Sample g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Us, as soon as practicable. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60), or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request Form. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and not controlled by Us, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly.. SAMPLE f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending and future benefits under the Policy will be lost with respect to the Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-one

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following:: SAMPLE i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-ninety- one

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. SAMPLE i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No You will have 6-years from the date the claim is denied to take legal action can be taken against Us unless You have complied with all respect to recovery of a claim under this Policy. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the terms and conditions American Arbitration Association (AAA) if such arbitration is agreed to by both parties. Arbitration does not prohibit You from taking further legal action. Arbitration will take place in South Dakota. i. You must cooperate with Us in the investigation or settlement of this Policy, and ninety-oneany claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-ninety- one

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under cancel g. You will have 6 years from the Policy will be lost date the claim is denied to take legal action against Us with respect to the recovery of a claim under this Policy. g. No action can h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be taken against Us unless You have complied with all submitted to arbitration under rules of the terms and conditions American Arbitration Association (AAA) if such arbitration is agreed to by both parties. Arbitration does not prohibit You from taking further legal action. Arbitration will take place in South Dakota. i. You must cooperate with Us in the investigation or settlement of this Policy, and ninety-oneany claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. Not later than the 15th day after the date We receive notice of a claim, We shall: acknowledge receipt of the claim; commence any investigation of the claim; and request all items, statements, and forms We reasonably believe, at that time, will be required from You. c. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. d. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. e. We will notify You in writing of the acceptance or rejection of a claim no later than the 15th business day after the date We receive all items, statements, and forms required by Us to secure final proof of loss. If We are unable to accept or reject the claim within the time period We will notify You of the reason and need for additional time. We will accept or reject the claim no later than the 45th day. f. We will pay a claim (in whole or in part) within five (5) business days after the date We have notified You of acceptance of the claim. If payment of the claim (in whole or in part) is conditioned on the performance or act by You, We will pay the claim no later than five (5) business days after the date the act is performed. In the event of weather-related catastrophe or major natural disaster, as defined by the commissioner, We will have an additional fifteen (15) days for claim-handling. If, after receiving all items, statements, and forms reasonably requested and required We delay payment of the claim for more than 60 days, We will pay interest on the amount of the claim at the rate of 18 percent a year as damages, together with reasonable and necessary attorney’s fees, if any. g. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. h. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. i. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. j. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. k. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. l. You must cooperate with Us in the investigation or settlement of any claim. m. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Us, Us as soon as practicable; but not later than one hundred eighty (180) days after the first date of Treatment. Claims filed after 180 days will be denied. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. The name, address and signature of the treating Veterinarian on the claim form. iv. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve have the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60), or as soon as reasonably practicable, ) of the decision and must be in writing on a Claims Redetermination Request Form. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, may at Our own discretion, discretion consult with an impartial Veterinarian selected by Us, who is independent and not controlled by Us, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. Claims under investigation are pended as ineligible for payment until the investigation is complete. f. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount incorrectly paid incorrectly. f. g. If You or anyone acting on Your behalf submits a fraudulent claim, all pending and future benefits under the Policy will be lost with respect to the Policy. g. h. No action can be taken against Us unless unless, You have complied with all of the terms and conditions of this Policy, and ninety-oneone (91) days after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. i. It is hereby mutually agreed that any dispute or difference of agreement arising between the company and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be North Carolina unless the laws of the state of the insured dictate otherwise. j. You must cooperate with Us in the investigation or settlement of any claim. k. Any Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have sixty (60) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). Entering into arbitration is voluntary and the results will be non-onebinding. The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be Massachusetts. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. You and We may agree to arbitration at the time of the dispute. Arbitration will follow Oregon law and take place in i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under cancel g. You will have 6 years from the Policy will be lost date the claim is denied to take legal action against Us with respect to the recovery of a claim under this Policy. g. No action can h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be taken against Us unless You have complied with all submitted to arbitration under rules of the terms and conditions American Arbitration Association (AAA) if such arbitration is agreed to by both parties. Arbitration does not prohibit You from taking further legal action. Arbitration will take place in South Dakota. i. You must cooperate with Us in the investigation or settlement of this Policy, and ninety-oneany claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have sixty (60) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). Entering into arbitration is voluntary and the results will be non-onebinding. The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. SAMPLE j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized SAMPLE charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under the laws of the District of Columbia. The place of Arbitration will be the District of Columbia . The Policyholder may waive any right to a trial in court, including a jury trial. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under cancel g. You will have 6-years from the Policy will be lost date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. SAMPLE h. Any dispute or difference of agreement arising between Us and the PolicyPolicyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA) if such arbitration is agreed to by both parties. Arbitration does not prohibit You from taking further legal action. Arbitration will take place in South Dakota. g. No action can i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be taken against Us unless You have complied pended as ineligible until We receive written documentation from Your Veterinarian with all of the terms and conditions of this Policy, and ninety-onedefinitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical medical. facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. We will pay the amount of any claim due, in accordance with this Policy’s terms and conditions, within thirty (30) days after receipt of satisfactory proof of loss from You or Your Veterinarian. e. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. f. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. g. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. h. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. i. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. j. You must cooperate with Us in the investigation or settlement of any claim. k. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Us, Us as soon as practicable; but not later than one hundred eighty (180) days after the first date of Treatment. Claims filed after 180 days will be denied. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. The name, address and signature of the treating Veterinarian on the claim form. iv. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve have the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60), or as soon as reasonably practicable, ) days of the decision and must be in writing on a Claims Redetermination Request Form. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, may at Our own discretion, discretion consult with an impartial Veterinarian selected by Us, who is independent and not controlled by Us, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. Claims under investigation are pended as ineligible for payment until the investigation is complete. f. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectlyincorrectly paid. f. g. If You or anyone acting on Your behalf submits a fraudulent claim, all pending and future benefits under the Policy will be lost with respect to the Your Policy. g. h. No action can be taken against Us unless unless, You have complied with all of the terms and conditions of this Policy, and ninety-oneone (91) days after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. i. It is hereby mutually agreed that any dispute or difference of agreement arising between the company and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be North Carolina unless the laws of the state of the insured dictate otherwise. j. You must cooperate with Us in the investigation or settlement of any claim. k. Any IIllness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We will, within forty-five (45) days of receipt of a properly executed proof of loss, accept or deny the claim, or advise You if further information is required. d. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. e. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. f. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. g. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under cancel Your Policy. WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the Policy will be lost with respect to the Policyproceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. g. h. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. SAMPLE i. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). j. You must cooperate with Us in the investigation or settlement of any claim. k. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis. PetPartners, Inc. PO Box 37940 Raleigh, NC 27627 The Company has caused this Policy to be executed, attested and countersigned by an authorized representative of the Company. SAMPLE Xxx Xxxxxxxxx President Notwithstanding anything in Your Policy to the contrary, it is hereby understood and agreed that Your Policy to which this Amendatory Endorsement is attached is amended as follows:

Claims Conditions. a. In the event You you incur a loss You you must notify Us by providing do the followingfollowing things: i. A Notify us by filing a completed claim form with Us, us as soon as practicable; but not later than one hundred eighty (180) days after the first date of treatment. Claims filed after 180 days will be denied. ii. Invoices Provide to us invoices from Your your treating Veterinarian veterinarian listing the services performed, products provided and the itemized charges for Treatmenttreatment, including packages and/or discounts. iii. A Provide to us the name, address and signature of the treating veterinarian on the claim form. iv. Provide to us a payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian your veterinarian prior to claim processing. b. We reserve have the right to ask for information from any Veterinarian veterinarian that has ever seen Your Pet(syour pet(s) in order to assess its health. c. We, at Our our expense, have the right to have any covered Pet(spet(s) examined by a Veterinarian veterinarian of Our our choice as often as reasonably necessary while a claim is pending. d. If You you disagree with the decision made by Us, You us you have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60), or as soon as reasonably practicable, ) of the decision and must be in writing on a Claims Redetermination Request Form. If the appeal is regarding a disagreement over medical facts, rather than Policy policy coverage or terms, We may, we may at Our our own discretion, discretion consult with an impartial Veterinarian veterinarian selected by Usus, who is independent and not controlled by Usus, to conduct a review. Any such redetermination by the impartial Veterinarian veterinarian will be binding on Usus. e. Claims under investigation are pended as ineligible for payment until the investigation is complete. f. If We we pay a claim contrary to this Policypolicy’s terms and conditions, that payment does not waive Our our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You you any claim amount paid incorrectlyincorrectly paid. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending and future benefits under the Policy will be lost with respect to the Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-one

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. This period of time will be extended by the number of days between the date the proof of loss was filed and the date the claim was denied in whole or in part. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. SAMPLE j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be Rhode Island. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. This period of time will be extended by the number of days between the date the proof of loss was filed and the date the claim was denied in whole or in part. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You you incur a loss You you must notify Us by providing do the followingfollowing things: i. A Notify us by filing a completed claim form with Us, us as soon as practicable; but not later than one hundred eighty (180) days after the first date of treatment. Claims filed after 180 days will be denied. ii. Invoices Provide to us invoices from Your your treating Veterinarian veterinarian listing the services performed, products provided and the itemized charges for Treatmenttreatment, including packages and/or discounts. iii. A Provide to us the name, address and signature of the treating veterinarian on the claim form. iv. Provide to us a payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian your veterinarian prior to claim processing. b. a. We reserve have the right to ask for information from any Veterinarian veterinarian that has ever seen Your Pet(syour pet(s) in order to assess its health. c. b. We, at Our our expense, have the right to have any covered Pet(spet(s) examined by a Veterinarian veterinarian of Our our choice as often as reasonably necessary while a claim is pending. d. c. If You you disagree with the decision made by Us, You us you have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60), or as soon as reasonably practicable, ) of the decision and must be in writing on a Claims Redetermination Request Form. If the appeal is regarding a disagreement over medical facts, rather than Policy policy coverage or terms, We may, we may at Our our own discretion, discretion consult with an impartial Veterinarian veterinarian selected by Usus, who is independent and not controlled by Usus, to conduct a review. Any such redetermination by the impartial Veterinarian veterinarian will be binding on Usus. d. Claims under investigation are pended as ineligible for payment until the investigation is complete. e. If We we pay a claim contrary to this Policycertificate’s terms and conditions, that payment does not waive Our our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You you any claim amount paid incorrectlyincorrectly paid, including reducing any excess payment amounts from future claims. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending and future benefits under the Policy will be lost with respect to the Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-one

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have sixty (60) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health.. SAMPLE c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts.. SAMPLE iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. This period of time will be extended by the number of days between the date the proof of loss was filed and the date the claim was denied in whole or in part. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We

Claims Conditions. SAMPLE a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us.. SAMPLE e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the SAMPLE date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. SAMPLE j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis. AKC Pet Insurance XX Xxx 00000 Xxxxxxx, XX 00000 The Company has caused this Policy to be executed, attested and countersigned by an authorized representative of the Company. INDEPENDENCE AMERICAN INSURANCE COMPANY‌ Notwithstanding anything in Your Policy to the contrary, it is hereby understood and agreed that Your Policy to which this Amendatory Endorsement is attached is amended as follows:

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing.. SAMPLE b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized SAMPLE charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under cancel g. You will have 6-years from the Policy will be lost date the claim is denied to take legal action against Us with respect to the recovery of a claim under this Policy. g. No action can h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be taken against Us unless You have complied with all submitted to arbitration under rules of the terms and conditions American Arbitration Association (AAA) if such arbitration is agreed to by both parties. Arbitration does not prohibit You from taking further legal action. Arbitration will take place in South Dakota. i. You must cooperate with Us in the investigation or settlement of this Policy, and ninety-oneany claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be Massachusetts. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian SAMPLE selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis. Xxxxx Cat Insurance PO Box 37489 Raleigh, NC 27627-7489 The Company has caused this Policy to be executed, attested and countersigned by an authorized representative of the Company. Xxx Xxxxxxxxx President Notwithstanding anything in Your Policy to the contrary, it is hereby understood and agreed that Your Policy to which this Amendatory Endorsement is attached is amended as follows:

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. This period of time will be extended by the number of days between the date the proof of loss was filed and the date the claim was denied in whole or in part. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing.. SAMPLE b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. You and We may agree to arbitration at the time of the dispute. Arbitration will follow Oregon law and take place in i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized SAMPLE charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its healthitshealth. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending.. Sample d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. Sample h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. We will pay the amount of any claim due, in accordance with this Policy’s terms and conditions, within thirty (30) days after receipt of satisfactory proof of loss from You or Your Veterinarian. e. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. f. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. g. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. h. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. i. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. j. You must cooperate with Us in the investigation or settlement of any claim. k. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration SAMPLE must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. ‌ a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have the amount of time prescribed by applicable law from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). Any arbitration proceedings will be conducted in Florida. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis. k. In any case in which a person and an insurer have agreed in writing to the settlement of a claim, the insurer shall tender payment according to the terms of the agreement no later than twenty (20) days after such a settlement is reached. The tender of payment may be conditioned upon execution by such person of a release mutually agreeable to the insurer and the claimant, but if the payment is not tendered within twenty (20) days, or such date as the agreement may provide, it shall bear interest at a rate of twelve (12) percent per year from the date of the agreement; however, if the tender of payment is conditioned upon the execution of a release, the interest shall not begin to accrue until the executed release is tendered to the insurer. l. Every judgment or decree for the recovery of money entered in any of the courts of Florida against any authorized Insurer shall be fully satisfied within sixty (60) days from and after the entry thereof or, in the case of an appeal from such judgment or decree, within sixty (60) days from and after the affirmance of the same by the appellate court. If the judgment or decree is not as required, and proof of such failure to satisfy is made by filing with the office a certified transcript or the docket of the judgment or decree together with a certificate by the clerk of the court wherein the judgment or decree was entered that judgment or decree remains unsatisfied, in whole or in part, after the time aforesaid, the office shall forthwith revoke the Insurer’s certificate of authority until the judgment or decree is wholly paid and satisfied and proof thereof filed with the office under the official certificate of the clerk of the court wherein the judgment was recovered, showing that the same is satisfied of record, and until the expenses and fees incurred in the case are also paid by the Insurer.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Us, as soon as practicable. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60), or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request Form. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and not controlled by Us, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending and future benefits under the Policy will be lost with respect to the Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneone Sample

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. SAMPLE h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. This period of time will be extended by the number of days between the date the proof of loss was filed and the date the claim was denied in whole or in part. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. SAMPLE j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have sixty (60) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). Entering into arbitration is voluntary and the results will be non-onebinding. The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. Sample i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following:: SAMPLE i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have the amount of time prescribed by applicable law from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). Any arbitration proceedings will be conducted in Florida. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis. k. In any case in which a person and an insurer have agreed in writing to the settlement of a claim, the insurer shall tender payment according to the terms of the agreement no later than twenty (20) days after such a settlement is reached. The tender of payment may be conditioned upon execution by such person of a release mutually agreeable to the insurer and the claimant, but if the payment is not tendered within twenty (20) days, or such date as the agreement may provide, it shall bear interest at a rate of twelve (12) percent per year from the date of the agreement; however, if the tender of payment is conditioned upon the execution of a release, the interest shall not begin to accrue until the executed release is tendered to the insurer. l. Every judgment or decree for the recovery of money entered in any of the courts of Florida against any authorized Insurer shall be fully satisfied within sixty (60) days from and after the entry thereof or, in the case of an appeal from such judgment or decree, within sixty (60) days from and after the affirmance of the same by the appellate court. If the judgment or decree is not as required, and proof of such failure to satisfy is made by filing with the office a certified transcript or the docket of the judgment or decree together with a certificate by the clerk of the court wherein the judgment or decree was entered that judgment or decree remains unsatisfied, in whole or in part, after the time aforesaid, the office shall forthwith revoke the Insurer’s certificate of authority until the judgment or decree is wholly paid and satisfied and proof thereof filed with the office under the official certificate of the clerk of the court wherein the judgment was recovered, showing that the same is satisfied of record, and until the expenses and fees incurred in the case are also paid by the Insurer.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be Rhode Island. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the cancel Your Policy. g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety‐ one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty‐six (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be Massachusetts. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be Massachussetts. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration SAMPLE must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. SAMPLE j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us.. SAMPLE e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis. PetPartners, Inc. XX Xxx 00000 Xxxxxxx, XX 00000-0000 The Company has caused this Policy to be executed, attested and countersigned by an authorized representative of the Company. Xxx Xxxxxxxxx President Xxxxx-Xx Xxxxx Secretary Notwithstanding anything in Your Policy to the contrary, it is hereby understood and agreed that Your Policy to which this Amendatory Endorsement is attached is amended as follows:

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. You and We may agree to arbitration at the time of the dispute. Arbitration will follow Oregon law and take place in Your county or at another agreed upon location. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its healthitshealth. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel Sample g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. Any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable., of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. SAMPLE ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health.. SAMPLE c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis. PetPartners, Inc. PO Box 37940 Raleigh, NC 27627-7940 The Company has caused this Policy to be executed, attested, and countersigned by an authorized representative of the Company. SAMPLE Xxx Xxxxxxxxx President Notwithstanding anything in Your Policy to the contrary, it is hereby understood and agreed that Your Policy to which this Amendatory Endorsement is attached is amended as follows:

Claims Conditions. ‌ a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one-hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us. e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninety-oneninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have the amount of time prescribed by applicable law from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement may be submitted to arbitration under rules of the American Arbitration Association (AAA). Any arbitration proceedings will be conducted in Florida. SAMPLE i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis. k. In any case in which a person and an insurer have agreed in writing to the settlement of a claim, the insurer shall tender payment according to the terms of the agreement no later than twenty (20) days after such a settlement is reached. The tender of payment may be conditioned upon execution by such person of a release mutually agreeable to the insurer and the claimant, but if the payment is not tendered within twenty (20) days, or such date as the agreement may provide, it shall bear interest at a rate of twelve (12) percent per year from the date of the agreement; however, if the tender of payment is conditioned upon the execution of a release, the interest shall not begin to accrue until the executed release is tendered to the insurer. l. Every judgment or decree for the recovery of money entered in any of the courts of Florida against any authorized insurer shall be fully satisfied within sixty (60) days from and after the entry thereof or, in the case of an appeal from such judgment or decree, within sixty (60) days from and after the affirmance of the same by the appellate court. If the judgment or decree is not as required, and proof of such failure to satisfy is made by filing with the office a certified transcript or the docket of the judgment or decree together with a certificate by the clerk of the court wherein the judgment or decree was entered that judgment or decree remains unsatisfied, in whole or in part, after the time aforesaid, the office shall forthwith revoke the insurer’s certificate of authority until the judgment or decree is wholly paid and satisfied and proof thereof filed with the office under the official certificate of the clerk of the court wherein the judgment was recovered, showing that the same is satisfied of record, and until the expenses and fees incurred in the case are also paid by the Insurer.

Claims Conditions. a. In the event You incur a loss You must notify Us by providing the following: i. A completed claim form with Uswithin one hundred and eighty (180) calendar days, or as soon as practicable, of the date of Treatment or veterinary services or date of receipt furnished to You in connection for such Treatment or veterinary services. ii. Invoices from Your treating Veterinarian listing the services performed, products provided and the itemized charges for Treatment, including packages and/or discounts. iii. A payment receipt when submitting a handwritten invoice. If payment receipt is not provided the invoice will be verified with Your Veterinarian prior to claim processing. b. We reserve the right to ask for information from any Veterinarian that has ever seen Your Pet(s) in order to assess its health. c. We, at Our expense, have the right to have any covered Pet(s) examined by a Veterinarian of Our choice as often as reasonably necessary while a claim is pending. d. If You disagree with the decision made by Us, You have the right to an appeal. Any claim submitted for reconsideration must be submitted within sixty days (60)) days, or as soon as reasonably practicable, of the decision and must be in writing on a Claims Redetermination Request FormForm which is available from Us. If the appeal is regarding a disagreement over medical facts, rather than Policy coverage or terms, We may, at Our own discretion, consult with an impartial Veterinarian selected by Us, who is independent and independent, not controlled by Us, and not involved in the handling of Your claim, to conduct a review. Any such redetermination by the impartial Veterinarian will be binding on Us.. SAMPLE e. If We pay a claim contrary to this Policy’s terms and conditions, that payment does not waive Our rights to apply those terms and conditions to any paid or any future claim. We also have the right to stop payment or recover from You any claim amount paid incorrectly. f. If You or anyone acting on Your behalf submits a fraudulent claim, all pending We may deny any current or future claim and future benefits under the Policy will be lost with respect to the Policy.cancel g. No action can be taken against Us unless You have complied with all of the terms and conditions of this Policy, and ninetyninety- one (91) days has elapsed after proof of loss is filed and the amount of loss is determined as provided in this Policy. You will have thirty-onesix (36) months from the date the claim is denied to take legal action against Us with respect to recovery of a claim under this Policy. h. It is hereby mutually agreed that any dispute or difference of agreement arising between Us and the Policyholder with respect to this agreement shall be submitted to arbitration under rules of the American Arbitration Association (AAA). The place of Arbitration will be New York unless the laws of the state of the insured dictate otherwise. i. You must cooperate with Us in the investigation or settlement of any claim. j. Any claim for an Illness or Injury where a final diagnosis has not been made will be pended as ineligible until We receive written documentation from Your Veterinarian with the definitive diagnosis. PetPartners, Inc. PO Box 37940 Raleigh, NC 27627-7940 The Company has caused this Policy to be executed, attested and countersigned by an authorized representative of the Company. Xxx Xxxxxxxxx President Xxxxx-Xx Xxxxx Secretary Notwithstanding anything in Your Policy to the contrary, it is hereby understood and agreed that Your Policy to which this Amendatory Endorsement is attached is amended as follows: