Common use of General Conditions Clause in Contracts

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLE j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. The examining Veterinarian for the purposes of medical information cannot be You or a member of Your immediate family. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit Maximum increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories.. SAMPLE b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30‐Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30‐Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30‐Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30‐Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective date.month Policy that is issued to You. SAMPLE

General Conditions. a. This Policy policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident incident or Treatment treatment that occurs outside of the above territories. b. If a claim arises under this Policy policy and there is any other insurance providing Coverage coverage to Your Pet(syour pet(s), this Policy policy is excess insurance. This Policy policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policypolicy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(spet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. your veterinarian. You must follow and carry out the Veterinarianveterinarian’s advice and show reasonable care to protect the Pet(spet(s) from harm. f. d. You are the owner of Your Pet(syour pet(s). g. e. Coverage for Your Pet(syour pet(s) will cease if ownership is changedchanged by agreement or law. h. f. If any Policy policy wording conflicts with the laws of the state in which this Policy policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must g. Any premium that is due and unpaid may be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEdeducted from a subsequent claim payment. j. h. Continuing coverage for a covered Incident incident from a preceding Policy policy is subject to the terms and conditions of this Policypolicy. Per Incident Limits Except that per incident limits for any covered expense under a previous Policy will not policy are never reset at Policy renewal or policy replacement. In the case of continuous coverage where a Per Incident Limit the incident limit is lower than the previous term, the lower Per Incident Limit per incident limit will apply. k. i. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsementspolicy, and endorsements and any other notices may be delivered to You you by electronic mail via the internet at Our our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. j. If You you wish to make changes to Your your coverage, please contact Usus. Any change is subject to underwriting and Our our approval. Certain changes may result in a new enrollment, which would terminate Your your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditionspolicy. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal.. SAMPLE l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective date.month Policy that is issued to You. SAMPLE

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm.. SAMPLE f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30‐Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30‐Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period SAMPLE and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. SAMPLE t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions.. SAMPLE o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. The examining Veterinarian for the purposes of medical information cannot be You or a member of Your immediate family. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLE j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit Maximum increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), We will pay our share of Covered Expenses. Our share is the proportion that the applicable limits of insurance under this Policy bears to limits of insurance of all insurance covering on the same basis. It is excess insurance. This Policy will only apply Your responsibility to any claim costs once all notify Us if other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policyis in force. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective date.month Policy that is issued to You. SAMPLE

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s).. SAMPLE g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.. Sample

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy.. Sample c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. The Policy in force for the lesser period of time will be cancelled and premium for that Policy refunded. d. c. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. d. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. e. You are the owner of Your Pet(s). g. f. Coverage for Your Pet(s) will cease if ownership is changed. h. g. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. h. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. i. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. j. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. k. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. l. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. m. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. n. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases completes a Policyquote or application. q. o. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. p. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. q. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state.. Sample i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEPolicy. The action of any authorized representative will be binding. j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. p. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. q. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five sixty‐five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy.. SAMPLE c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal.. SAMPLE l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. SAMPLE a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEPolicy. The action of any authorized representative will be binding. j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. It is Your responsibility to notify Us if other insurance is in place. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian.. SAMPLE e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEPolicy. The action of any authorized representative will be binding. j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting As noted in the terms and conditions of this insurance insurance, provided to and accepted by You prior to purchase, and as evidenced by the payment of premiums, it is You agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. You will be provided a renewal notice at least thirty (30) days prior to Your Policy renewal. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five sixty‐five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. The renewal notice will be delivered to You at least thirty (30) days prior to renewal. If Your renewal premium is to be more than twenty-five percent (25%) of the premium of the expiring Policy, the renewal notice will be delivered to You at least seventy-five (75) days prior to renewal. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy policy only applies to losses that occur and are treated within the United States, its territories territories, and possessions, and Canada. No coverage exists for an Incident incident or Treatment treatment that occurs outside of the above territories. b. If a claim arises under this Policy policy and there is any other insurance providing Coverage coverage to Your Pet(syour pet(s), this Policy policy is excess insurance. This Policy policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policypolicy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(spet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. your veterinarian. You must follow and carry out the Veterinarianveterinarian’s advice and show reasonable care to protect the Pet(spet(s) from harm. f. d. You are the owner of Your Pet(syour pet(s). g. e. Coverage for Your Pet(syour pet(s) will cease if ownership is changedchanged by agreement or law. h. f. If any Policy policy wording conflicts with the laws of the state in which this Policy policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must g. Any premium that is due and unpaid may be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEdeducted from a subsequent claim payment. j. h. Continuing coverage for a covered Incident incident from a preceding Policy policy is subject to the terms and conditions of this Policypolicy. Per Incident Limits Except that per incident limits for any covered expense under a previous Policy will not policy are never reset at Policy renewal or policy replacement. In the case of continuous coverage where a Per Incident Limit the incident limit is lower than the previous term, the lower Per Incident Limit per incident limit will apply. k. i. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsementspolicy, and endorsements and any other notices may be delivered to You you by electronic mail via the internet at Our our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. j. If You you wish to make changes to Your your coverage, please contact Usus. Any change is subject to underwriting and Our our approval. Certain changes may result in a new enrollment, which would terminate Your your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditionspolicy. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEPolicy. The action of any authorized representative will be binding. j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five sixty‐five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply.. SAMPLE k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our optionYour consent and such consent has not been withdrawn. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cardspromotional advertising items, coupons, gift certificates, and educational items or traditional courtesy items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence$25.00. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. q. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy policy only applies to losses that occur and are treated within the United States, its territories territories, and possessions, and Canada. No coverage exists for an Incident incident or Treatment treatment that occurs outside of the above territories. b. If a claim arises under this Policy policy and there is any other insurance providing Coverage coverage to Your Pet(syour pet(s), this Policy policy is excess insurance. This Policy policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policypolicy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(spet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. your veterinarian. You must follow and carry out the Veterinarianveterinarian’s advice and show reasonable care to protect the Pet(spet(s) from harm. f. d. You are the owner of Your Pet(syour pet(s). g. e. Coverage for Your Pet(syour pet(s) will cease if ownership is changedchanged by agreement or law. h. f. If any Policy policy wording conflicts with the laws of the state in which this Policy policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must g. Any premium that is due and unpaid may be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEdeducted from a subsequent claim payment. j. h. Continuing coverage for a covered Incident incident from a preceding Policy policy is subject to the terms and conditions of this Policypolicy. Per Incident Limits Except that per incident limits for any covered expense under a previous Policy will not policy are never reset at Policy renewal or policy replacement. In the case of continuous coverage where a Per Incident Limit the incident limit is lower than the previous term, the lower Per Incident Limit per incident limit will apply.. SAMPLE k. i. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsementspolicy, and endorsements and any other notices may be delivered to You you by electronic mail via the internet at Our our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. j. If You you wish to make changes to Your your coverage, please contact Usus. Any change is subject to underwriting and Our our approval. Certain changes may result in a new enrollment, which would terminate Your your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditionspolicy. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy.. Sample r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian.. SAMPLE e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEPolicy. The action of any authorized representative will be binding. j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five sixty‐five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy We will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject pay our proportion as it relates to the terms and conditions total amount of this Policycoverage in place. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s).. SAMPLE g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEPolicy. The action of any authorized representative will be binding. j. Continuing If Your Policy contains a Per Incident Limit, continuing coverage for a covered Incident from a preceding Policy previous Policy, is subject to the terms and conditions of this Policy. Per Should treatment of an Incident Limits for any covered expense continue under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous termthis Policy, the lower Per Deductible would only apply to the Covered Incident Limit will applyduring the Policy period in which the date of loss occurred, as shown on the Declarations Page. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. Your renewal notice will be mailed at least sixty (60) days prior to renewal. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five sixty‐five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEPolicy. The action of any authorized representative will be binding. j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. Insolvency or bankruptcy of the insured, or the estate of the insured, will not relieve the insurer of its obligations under the Policy. t. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five sixty‐five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address SAMPLE changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. p. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. q. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. The Policy in force for the lesser period of time will be cancelled and premium for that Policy refunded. d. c. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. d. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. e. You are the owner of Your Pet(s). g. f. Coverage for Your Pet(s) will cease if ownership is changed. h. g. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. h. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. i. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. j. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. k. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. l. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. m. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. n. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases completes a Policyquote or application. q. o. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. p. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This q. Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. r. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. p. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This q. Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. r. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy We will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject pay our proportion as it relates to the terms and conditions total amount of this Policy.coverage in place. SAMPLE c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing If Your Policy contains a Per Incident Limit, continuing coverage for a covered Incident from a preceding Policy previous Policy, is subject to the terms and conditions of this Policy. Per Should treatment of an Incident Limits for any covered expense continue under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous termthis Policy, the lower Per Deductible would only apply to the Covered Incident Limit will applyduring the Policy period in which the date of loss occurred, as shown on the Declarations Page. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30‐Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30‐Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. Your renewal notice will be mailed at least sixty (60) days prior to renewal. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEPolicy. The action of any authorized representative will be binding. j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. The renewal notice will be delivered to You at least thirty (30) days prior to renewal. If Your renewal premium is to be more than twenty-five percent (25%) of the premium of the expiring Policy, the renewal notice will be delivered to You at least seventy-five (75) days prior to renewal. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. ‌ a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state of Florida in which this Policy is issued, the wording will be changed amended to meet the laws of that stateFlorida laws. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit SAMPLE will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiumsIf You have elected to opt-in to electronic delivery, it is agreed that You agree to receive this Policy, endorsements, endorsements and any other notices may or Policy-related documentation by electronic mail. Notice will be delivered sent to You by electronic mail via the internet at Our option. All advising of Your right to receive all Policy forms, any notices and endorsements are available to You, at Your request, in paper form via U.S. mail instead of electronic mail at no charge to You. A copy of Your Policy is forms are also available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parametersparameters as initiated by You. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain a one-time per Policy period promotional offersoffer, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residenceone hundred ($100) dollars. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. The examining Veterinarian for the purposes of medical information cannot be You or a member of Your immediate family. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage.. Sample m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit Maximum increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy SAMPLE forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state.. SAMPLE i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30‐Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30‐Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a PolicyaPolicy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. Sample t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEPolicy. The action of any authorized representative will be binding. j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy We will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject pay our proportion as it relates to the terms and conditions total amount of this Policycoverage in place. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing If Your Policy contains a Per Incident Limit, continuing coverage for a covered Incident from a preceding Policy previous Policy, is subject to the terms and conditions of this Policy. Per Should treatment of an Incident Limits for any covered expense continue under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous termthis Policy, the lower Per Deductible would only apply to the Covered Incident Limit will apply.during the Policy period in which the date of loss occurred, as shown on the Declarations Page. SAMPLE k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. Your renewal notice will be mailed at least sixty (60) days prior to renewal. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEPolicy. The action of any authorized representative will be binding. j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our optionYour consent and such consent has not been withdrawn. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cardspromotional advertising items, coupons, gift certificates, and educational items or traditional courtesy items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence$25.00. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. q. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), We will pay our share of Covered Expenses. Our share is the proportion that the applicable limits of insurance under this Policy bears to limits of insurance of all insurance covering on the same basis. It is excess insurance. This Policy will only apply Your responsibility to any claim costs once all notify Us if other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policyis in force. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLE j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. p. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. q. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. d. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. The examining Veterinarian for the purposes of medical information cannot be You or a member of Your immediate family. f. e. You are the owner of Your Pet(s). g. f. Coverage for Your Pet(s) will cease if ownership is changed. h. g. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. h. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. i. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. j. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our Your option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal.Sample l. k. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. l. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit Maximum increase and other Policy parameters. n. m. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. The examining Veterinarian for the purposes of medical information cannot be You or a member of Your immediate family. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit Maximum increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.Sample

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal.. SAMPLE l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. The renewal notice will be delivered to You at least thirty (30) days prior to renewal. If Your renewal premium is to be more than twenty-five percent (25%) of the premium of the expiring Policy, the renewal notice will be delivered to You at least seventy-five (75) days prior to renewal. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEPolicy. The action of any authorized representative will be binding. j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective dateeffectivedate.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. The Policy in force for the lesser period of time will be cancelled and premium for that Policy refunded. d. c. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. d. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. e. You are the owner of Your Pet(s). g. f. Coverage for Your Pet(s) will cease if ownership is changed. h. g. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. h. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. i. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. j. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. k. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. l. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. m. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. n. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases completes a Policyquote or application. q. o. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. p. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. q. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories.. SAMPLE b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEPolicy. The action of any authorized representative will be binding. j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five sixty‐five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. It is Your responsibility to notify Us if other insurance is in place. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLE j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting As noted in the terms and conditions of this insurance insurance, provided to and accepted by You prior to purchase, and as evidenced by the payment of premiums, it is You agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. You will be provided a renewal notice at least thirty (30) days prior to Your Policy renewal. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. . You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. d. You are the owner of Your Pet(s). g. e. Coverage for Your Pet(s) will cease if ownership is changedchanged by agreement or law. h. f. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must g. Any premium that is due and unpaid may be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEdeducted from a subsequent claim payment. j. h. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Except that per Incident Limits limits for any covered expense Covered Expense under a previous Policy will not are never reset at Policy renewal or Policy replacement. In the case of continuous coverage where a Per the Incident Limit limit is lower than the previous term, the lower Per per Incident Limit limit will apply. k. i. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, policy and endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. j. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence$25.00 per year. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentivesincentives not to exceed $25.00 per year, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. r. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issuedof Vermont, the wording will be changed amended to meet the laws of that statethe state of Vermont. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLE j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. l. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. m. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. n. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. o. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. p. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. q. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. r. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.. SAMPLE

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new SAMPLE Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residencetwenty-five dollars ($25). p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy, not to exceed a value of greater than twenty-five dollars ($25). q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our optionYour consent and such consent has not been withdrawn. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cardspromotional advertising items, coupons, gift certificates, and educational items or traditional courtesy items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence$25.00. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This q. Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. r. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLESample j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), We will pay our share of Covered Expenses. Our share is the proportion that the applicable limits of insurance under this Policy bears to limits of insurance of all insurance covering on the same basis. It is excess insurance. This Policy will only apply Your responsibility to any claim costs once all notify Us if other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policyis in force. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit SAMPLE will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), We will pay our share of Covered Expenses. Our share is the proportion that the applicable limits of insurance under this Policy bears to limits of insurance of all insurance covering on the same basis. It is excess insurance. This Policy will only apply Your responsibility to any claim costs once all notify Us if other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policyis in force. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply.. SAMPLE k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy SAMPLE forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residencetwenty-five dollars ($25). p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy, not to exceed a value of greater than twenty-five dollars ($25). q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy.. Sample c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a PolicyaPolicy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five sixty‐five (365) days) from effective date.

General Conditions. SAMPLE a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEPolicy. The action of any authorized representative will be binding. j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five sixty‐five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30‐Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30‐Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. SAMPLE t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. ‌ a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state of Florida in which this Policy is issued, the wording will be changed amended to meet the laws of that stateFlorida laws. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiumsIf You have elected to opt-in to electronic delivery, it is agreed that You agree to receive this Policy, endorsements, endorsements and any other notices may or Policy-related documentation by electronic mail. Notice will be delivered sent to You by electronic mail via the internet at Our option. All advising of Your right to receive all Policy forms, any notices and endorsements are available to You, at Your request, in paper form via U.S. mail instead of electronic mail at no charge to You. A copy of Your Policy is forms are also available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address SAMPLE changes, Annual Limit increase and other Policy parametersparameters as initiated by You. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain a one-time per Policy period promotional offersoffer, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residenceone hundred ($100) dollars. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy We will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject pay our proportion as it relates to the terms and conditions total amount of this Policycoverage in place. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing If Your Policy contains a Per Incident Limit, continuing coverage for a covered Incident from a preceding Policy previous Policy, is subject to the terms and conditions of this Policy. Per Should treatment of an Incident Limits for any covered expense continue under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous termthis Policy, the lower Per Deductible would only apply to the Covered Incident Limit will apply.during the Policy period in which the date of loss occurred, as shown on the Declarations Page. SAMPLE k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. Your renewal notice will be mailed at least sixty (60) days prior to renewal. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residenceone hundred dollars ($100). p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters.. The renewal notice will be delivered to You at least thirty (30) days prior to renewal. If Your renewal premium is to be more than twenty-five percent (25%) of the premium of the expiring Policy, the renewal notice will be delivered to You at least seventy-five (75) days prior to renewal. SAMPLE n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30‐Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30‐Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. p. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This q. Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. r. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories.. Sample b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy We will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject pay our proportion as it relates to the terms and conditions total amount of this Policycoverage in place. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing If Your Policy contains a Per Incident Limit, continuing coverage for a covered Incident from a preceding Policy previous Policy, is subject to the terms and conditions of this Policy. Per Should treatment of an Incident Limits for any covered expense continue under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous termthis Policy, the lower Per Deductible would only apply to the Covered Incident Limit will applyduring the Policy period in which the date of loss occurred, as shown on the Declarations Page. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30‐Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30‐Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. Your renewal notice will be mailed at least sixty (60) days prior to renewal. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30‐Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30‐Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Pre‐existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residenceten dollars ($10). p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder Policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. The maximum value of any special promotion or policyholder gift will not exceed ten dollars ($10). q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. SAMPLE t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. The examining Veterinarian for the purposes of medical information cannot be You or a member of Your immediate family. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid Your premium. The premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a monthly and annual payment option. Premiums must be paid in full and on time to maintain coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit Maximum increase and other Policy parameters.. SAMPLE n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy. r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Policy is valid for a period of twelve (12) months (three hundred and sixty-five (365) days) from effective date.

General Conditions. a. This Policy only applies to losses that occur and are treated within the United States, its territories and possessions, and Canada. No coverage exists for an Incident or Treatment that occurs outside of the above territories. b. If a claim arises under this Policy and there is any other insurance providing Coverage to Your Pet(s), this Policy is excess insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for the excess amount not covered by the other insurance, always subject to the terms and conditions of this Policy. c. We will not insure Your Pet under more than one (1) Pet insurance Policy with Us during any Policy period. If We find that an insured has more than one (1) such Policy with Us, coverage will be provided under the Policy that has been in force for the longer period of time. d. Your Pet(s) must receive an annual physical exam, as well as all prescribed vaccines as advised by Your Veterinarian. e. You must follow and carry out the Veterinarian’s advice and show reasonable care to protect the Pet(s) from harm. f. You are the owner of Your Pet(s). g. Coverage for Your Pet(s) will cease if ownership is changed. h. If any Policy wording conflicts with the laws of the state in which this Policy is issued, the wording will be changed amended to meet the laws of that state. i. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the SAMPLEthe j. Continuing coverage for a covered Incident from a preceding Policy is subject to the terms and conditions of this Policy. Per Incident Limits for any covered expense under a previous Policy will not reset at Policy renewal or replacement. In the case of continuous coverage where a Per Incident Limit is lower than the previous term, the lower Per Incident Limit will apply. k. By accepting the terms of this insurance as evidenced by the payment of premiums, it is agreed that this Policy, endorsements, endorsements and any other notices may be delivered to You by electronic mail via the internet at Our option. All Policy forms, any notices and endorsements are available to You, at Your request, in paper form at no charge to You. A copy of Your Policy is available on Our customer portal. l. Your Policy will become legally binding once You have paid activate Your premium30-Day coverage. The In order to continue coverage, Your premium is due when You take out a new Policy and when You renew an existing Policy. Your Policy is an annual contract of insurance with a (monthly and annual payment option. Premiums or annual) must be paid in full and on time to maintain before the end of Your 30-Day coverage. m. This Policy will automatically renew unless We receive a cancellation or intent to not renew notice from You before the renewal date. Premiums may increase at renewal for: Pet age, veterinary cost inflation, actuarial changes, address changes, Annual Limit increase and other Policy parameters. n. If You wish to make changes to Your coverage, please contact Us. Any change is subject to underwriting and Our approval. Certain changes may result in a new enrollment, which would terminate Your existing Policy and reset the Waiting Period and the determination of Pre-existing Conditions. o. Each named insured may receive certain promotional offers, which includes, but is not limited to, gift cards, coupons, gift certificates, and items of merchandise. The maximum value of any promotional item will not exceed the maximum dollar amount allowed in the state of residence. p. From time to time, at Our option and in compliance with all applicable law, We may advertise special promotions or offer the policyholder free gifts, including small cash rewards and incentives, for customer referrals or if the person recommended to Us purchases a Policy. q. From time to time, at Our option and in compliance with all applicable law, We may offer value added benefits or services directly relating to this coverage that may assist in the servicing service of the Policy, mitigate loss or provide loss control that aligns with the risks of the Policy.. Sample r. Benefits are not assignable except that You may direct Us to pay benefits to the Veterinary provider on whose charges any claim is based. Any such payment that We make will fully discharge Us to the extent of the payment. s. This Once the thirty (30) day coverage period is activated, We will provide benefits for Covered Expenses that occur during the initial thirty (30) day period. Coverage is subject to any Waiting Periods and exclusions. t. Your Policy is valid for will expire thirty (30) days after inception unless premiums are paid. If coverage continues after the thirty (30) day period, You must pay Us the premium, monthly or annual, to continue the Policy. Your Policy will continue as a period of twelve (12) month Policy expiring twelve (12) months from the inception date of Your Policy. You must comply with all terms and conditions of the twelve (three hundred and sixty-five (36512) days) from effective datemonth Policy that is issued to You.