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Provider Year Began Pets Insured as of Licensed to provide pet Licensed to provide pet # Claims Filed Founded Selling Dcember 2006 insurance in U.S.? insurance in Canada? Annually Policies The Hartville Group Inc.* 1997 1997 Approx. 30,000 All 50 states and D.C. No Approx. 40,000 Pet Partners Inc. 2002 2003 Information not All 50 states and D.C. No Information not (in USA) (in USA provided provided Pethealth Inc. 1998 1999 Approx. 150,000 D.C., and all states except Alaska All 10 provinces 100,000+ in North America Embrace Pet Insurance 2003 2006 Under 1,000 All states except OR, UT, WA and No - but will cover Information not D.C. veterinary costs incurred provided in Canada/ Mexico if insured pet requires care during travel Pets Best Insurance 2004 2005 10,000 All 50 States and D.C. (by 12/31/ Yes 2006 figures not 06) provided Petplan Insurance 1989 1989 42,758 No Yes 50,000 Veterinary Pet Insurance DVM 1980 1982 404,784 All 50 states and D.C. No 750,000 Insurance Agency (VPI) PetFirst Healthcare 2004 2005 Information not Yes, in 41 states as of Dec. 2006. No Information not provided Excetptions: Alaska, Connecticut, provided Hawaii, Louisiana, Massachusetts, Minnesota, North Carolina, North Dakota, Virgina Vetinsurance 1999 1999 Information not No, as of Dec. 2006 Yes Information not provided provided *In partnership with the Hartville Group, which provides nationally distributed pet health insurance plans such as the Petshealth Care Plan, the ASPCA recently announced the launch of ASPCA Pet Health Insurance. More information available at www.aspcapetinsurance.com **Pethealth inc./PetCare offers the following pet insurance policies using a combination of its own brands, private labeled, white labeled and co-branded programs: PetCare Own Brands: PetCare Pet Insurance; ShelterCare Pet Insurance; QuickCare for Life; ShareCare; QuickCare Pet Insurance. White Labeled Program: Union Plus Pet Insurance. Co-Branded Programs: PETCO; MetLife. Private Labeled Program: HEB (Texas only). Note: PetCare figures indicated in this table are consolidated figures for all of the corporation's brand names. ***Canadian Dollars Note: This data was collected and finalized in December 2006. Our table does not include information about services or availability projected to occur in 2007. Be sure to check with individual providers for the most current information about their offerings. Address Phone Website Average Claim Average Annual Pet Owner Co-pay Turnaround Deductible 3840 Greentree Ave. SW, 800-807-6724 www.petshealthplan.com Within 15 days of $100 20%, after the $100 Canton, OH 44706 receipt of necessary annual deductible paperwork PO Box 37940, Raleigh, NC 866-725-2747 www.akcphp.com 15 days 60-Day Trial: 60-Day Trial: 20% 27627-7940 Complimentary for people Essential: 10% who register a dog with the Essential Plus/ AKC if they enroll within 28 Wellness/ days of registration. $100/ Wellness Plus: policy term. Essential: 20% $125 per incident. Essential Plus/Wellness/ Wellness Plus: $125 annually. 710 Dorval Drive, Suite 400, 877-738-4584 www.petcareinsurance.com Processed before No annual deductible. Per 0-30% depending Oakville, Ontario, L6K 3V7, www.sheltercare.com client leaves the incident deductible: $100 on plan Canada www.unionpluspets.com practice if filed using average www.qcforlife.com online claims form. www.sharecare.com Otherwise, within 7 www.petcarepals.com days (average) of www.metlifepets.com receiving necessary paperwork. 767 Beta Drive, Suite B, 440-484-2260 or www.embracepetinsurance.com 10 days $100, $200 or $500 per 10%, 20% or 35%, Mayfield Village, Ohio 44143 800-511-9172 annum, depending on plan. depending on plan. No per-visit or per-condition deductibles. 2710 Sunrise Rim Road, Boise, 877-738-7237 www.petsbest.com 3-8 days $75 or $200 per incident 20% Idaho 83705 200-1200 Portage Avenue, 800-268-1169 www.petplan.com 5 days $100 20% Exception: Winnipeg, MB R3G OT5, Claims Risk Canada Management reviews may increase co-pay temporarily. P.O. Box 2344, Brea, CA 800-USA-PETS www.petinsurance.com 30 days VPI Standard and 10% 92822 Superior Plans: $50 per incident 350 Missouri Avenue, Suite 866-937-PETS www.petfirst.com 5 calendar days $50 per incident 10% 100, Jeffersonville, IN 47130 485 Bowen Island Trunk Road 800-930-1019 www.vetinsurance.com 10 business days No deductible. Client pays 10% Bowen Island, BC, Canada for examination, usually $40-60 (CAD)*** Premiums Raised Preventative Care Preexiting conditions Pets Covered Cap on Coverage? Covered included? As pet ages Undercertain plans. Not No Dogs & cats Yes.Accident Only: $2,500 per incident; covered on Accident $8,000 per year. Primary/Basic: $1,500 per Only or Basic plans incident; $8,000 per year. Advantage/Value: $3,500 per incident; $11,000 per year. Premier/Choice: $5,000 per incident; $13,000 per year. Best: $2,500 per incident; $13,000 per year. Surcharges applied when pet Yes No Dogs & cats Yes. 60-Day Trial: $500 per incident; $1,500 reaches age 12. policy term. Essential: $1,500 per incident; $11,000 per policy term. Essential Plus: $3,000 per incident; $11,000 per policy term. Wellness: $5,000 per incident; $13,000 per policy term. Wellness Plus: $5,000 per incident; $13,000 per policy term. Policies are 1-year term; No No Dogs & cats Yes. Most plans have per incident coverage premiums do not change cap, rather than annual cap or lifetime during that period. New accident coverage cap. Exceptions: lifetime premium rates may apply at illness cap on QuickCare Plus for Cats renewal. ($15,000); QuickCare Gold ($30,000 cats; $36,000 dogs); QuickCare Preferred ($60,000 cats; $60,000 dogs) As pet ages No No. Exceptions: A) Will rimburse Dogs & cats Yes. $2,000, $5,000 or $10,000 on annual a condition that was a)not a maximum, depending on plan veterinary bill. chronic condition known by the owner or b) had not appeared in the 12 months prior to the policy start date. B) A condition that was excluded in a prior policy period can become included afterwards if it's not a chronic As pet ages. Exception: May Yes. Exception: condition andto two appear in the Dogs & cats Yes. Limited didn't ailments. Yes. Either $2,500 or $7,000 per incident and purchase Lock-in-Rate that Accident-Only policy prior policy period. $42,500 and $100,000 lifetime. locks the premium amount until after the 12th birthday (cats) or 8th birthday (dogs) Annual inflation increase Yes. Exception: No. Exception: Coverage may be Dogs & cats Yes. PetMedic Accident: $2,000 per Covered under allowed following review period incident. PetMedic Select: $2,000 per Champion Plan only incident for accidents or per condition for illnesses. Standard: $2,000 per condition, annually. Ribbon: $4,000 per condition, annually. Medallion and Champion: unlimited. As pet ages Yes. Offered with the No. Exception: May be allowed if Dogs, cats, birds and Yes. VPI Standard Plan: $2,500 per Vaccination & Routine condition has been deemed cured exotic pets. VPI incident, per term; $9,000 per policy term. Care Coverage by a veterinarian. Support Standard and VPI VPI Superior Plan: $4,500 per incident, per documentation required. Superior: Dogs & term; $14,000 per policy term. cats VPI Avian and Exotic Pet Plan: Birds and exotics Fixed until the renewal period Yes. Routine Care No Dogs & cats Yes. Basic: $1,500 per incident; $4,500 after the dog or cat turns 10 Coverage offers $220 of annual. Preferred: $2,500 per incident; years old routine care $9,000 annual. Preferred Plus: $3,500 per incident; $12,000 annual. Increases only as a result of No No Dogs & cats $15,000 (CAD) lifetime inflation Veterinarians/practices Policyholders pay at Cost of Multiple Plans responsible for time of service? Premium Offered?/# of Plans Signing completed claim Yes Varies by Yes/4 form plan Completing diagnosis and Yes Varies by Yes/4 treatment portion of claim plan form. If practices use online claims Yes-with caveats. If Varies by Yes/12 (Note: two plans, processing, no paperwork practices use on line plan QuickCare for Life- required. Otherwise, claims processing, Accidents and attending veterinarian policyholders to pay the QuickCare for Life- responsible for veterinarian deductible and any Accidnets and Illnesses, portion of the claim form. uncovered portion of the are offered by PetCare in treatment at the time of Florida and service. Otherwise, Massachusetts only and policyholders pay all are offered in Texas charges at time of care. exclusively by HEB) Providding a brief description Yes Varies by Yes/108 combinations of the condition and sighning plan posible based on the claim form. Optional: Pre- customer selections. certification form for certain procedures in non- emergency situations (MRI, CT scans, and when treatment is anticipated to exceed $1,000). Providing a paid receipt for Yes. Exception: Provider Varies by Yes/3 services rendered, medical will pay practice directly plan records if requested for for covered services if claims. (Practices receive requested. $15 reimbursement for records. Providing medical records for In most cases Varies by Yes/6 underwriting some policies; plan completing certain portions of cliam forms; maintianing patient records. No requirements Yes Varies by Yes/3 plan Signing and adding date to Yes Varies by Yes/4 claims forms plan Veterinarians fill out free 30- Yes Puppy/Dog: No day trial certificate & fax to $357.40 Vetinsurance; also, (CAD); complete claim forms as Kitten/Cat: necessary. NOTE: $243.00 Veterinarians must fax fully (CAD) completed free trial certificates within 24 hours to be valid.
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