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Why PurinaCare® Pet Health Insurance?

At PurinaCare, we strive to make pet health insurance simple to understand. That isn’t always easy unless you are doing a true apples-to-apples comparison. We have conducted a thorough analysis of the competition, and we are confident you’ll love how PurinaCare® pet health insurance plans stack up against them. We know that choosing the right plan and, more importantly, the right pet insurance company can be a difficult task. We hope that our pet insurance comparison guide will help you make the right decision for you and your pet.

Policy Questions PurinaCare® 24 Pet Watch
Plan Name PurinaCare Without Preventive Care and With $100 Annual Deductible (1) QuickCare Gold 90% Coverage Without Wellness Plan and with $100 Per Incident Deductible (2)
Dog Labrador Retriever Labrador Retriever
Cat Domestic Short Hair Domestic Short Hair
Age  3 years old (MN)  3 years old (MN)
State  Texas  Texas
Zip Code  78258  78258
Choice of Annual Deductible  Yes - Choice of $100, $250, $500, $1000 No - Only 10%
Choice of Co-Insurance Yes - Choice of 20%, 30%. or 40%  No - Only 10% 
Per Incident Deductible for Accident and Illness  No - Only Annual Deductible $100 
Per Incident Limit - Dogs No Per Incident Limit $3000 per Accident
$3000 Per Illness per Category (3)
Per Incident Limit - Cats No Per Incident Limit $2500 Per Accident
$2500 Per Illness per Category (3)
Annual Limits $20,000 No Defined Annual Limits
Lifetime Limits - Illness None $36,000 Dogs
$30,000 Cats
Lifetime Limits - Accident None None
Co-Insurance for This Example 20% 10%
Insurance Coverage for This Example 80% 90%
Waiting Period Accident - 2 days
Illness - 14 days		 Accident - 12:01 a.m. on the day following enrollment
Illness - 31 Days
Behavior Therapy Coverage Yes, if By Veterinarian in Clinical Setting No
Prescription Diet Food Coverage If Prescribed by a Veterinarian for an Illness Condition No Yes - 25% of Cost for a Maximum of Six Months
Non Pre-Existing Hereditary and Congenital Coverage Yes 24PetWatch will cover some congenital or hereditary defects or diseases, if first noted, diagnosed or treated after 14 day waiting period
Physical Examination Required for Enrollment or Renewal No - Unless Pet is Older and Medical Condition is Unkown Yes - Either within the 12 Months Previous to Enrollment or Renewal or 30 Days After Enrollment or Renewal
Dental Disease Care Covered Yes None
Annual Preventive Care Coverage Available Yes - With PurinaCare With Preventive Care Plan Yes - With QuickCare Optimum and Complete Plans
Restricted Enrollment Based on Pet's Age None Dogs and Cats 8 Years and Older Must Enroll Using the QuickCare Senior Plan
Benefits for Advertising and Reward if Pet is Lost or Strayed None Yes - $150 Limit
Benefits for Boarding or Kennel Fees if Owner is Hospitalized for More Than 48 Hours None Yes - $250 Limit
Benefits for Accidental Death None Yes - $500 Limit
Benefits for Euthanasia Yes - No Limit Yes - $100 Limit
Multiple Pet or Family Plan Discounts Available Yes Yes
Discount Available for Microchipped Pets None Yes - $12.00 Per Year
Monthly Pay Plan Fee None Yes - $2.00
Monthly Premium $38.31- Dog
$13.18 - Cat 		$50.95 - Dog
$27.95 - Cat
7/23/2010 V4 Approved
(1) Policies and data are available for viewing at www.purinacare.com.
(2) Data available for viewing at www.24petwatch.com.  The QuickCare Gold plan shown here is the plan most similar to the PurinaCare plan shown in the next column.

(3) 24PetWatch has defined 12 separate illness categories which describe the different body systems.  The maximum lifetime benefit available for each category is $3000 for dogs which converts to a lifetime illness maximum of $36,000 and $2500 for cats which converts to a $30,000 lifetime illness maximum.
Policy Questions PurinaCare® AKC Pet Healthcare Plan
Plan Name PurinaCare Without Preventive Care with $100 Annual Deductible(4) Essential Plus Plan with $125 Annual Deductible (1)
Dog Labrador Retriever Labrador Retriever
Cat Domestic Short Hair Domestic Short Hair
Age 3 years old (MN) 3 years old (MN)
State Texas Texas
Zip Code  78258 78258
Choice of Annual Deductible Yes - Choice of $100, $250, $500, $1000 No- $125 Only 
Choice of Co-Insurance Yes - Choice of 20%, 30%, or 40%  No - 20% Only 
Per Incident Limits   None Yes
Maximum Per Incident Benefit None $3,000
Annual Limits $20,000 $11,000
Co-Insurance for This Example 20% 20%
Insurance Coverage for This Example 80% 80%
Annual Physical Exam Required No Yes
Age Limit on Initial Enrollment None Any Dog or Cat Under Age 9
Waiting Period Accident - 2 days,
Illness - 14 days		 Accident - 0 Days,
Illness - 30 Days
Acupuncture or Chiropractic Coverage Yes, If By Veterinarian in Clinical Setting None
Congenital or Hereditary Coverage Yes, After 2 weeks None
Behavior Therapy Coverage Yes, if By Veterinarian in Clinical Setting None
Annual Preventive Care Coverage Available Yes, available with $250, $500, and $1000 Deductible Levels only Yes - With Wellness and Wellness Plus Plans
Multiple Pet Discount Available? Yes - 5% for Second Pet, 10% for 3rd and Above Yes - 5% for 2 or More Pets (2)
Administrative Fees Charged None Yes - $4.00 Per Month Credit Card Processing Fee
Monthly Premium $38.31 Dog
$13.18 Cat		 $42.58 Dog (3)
$31.00 Cat (3)
Approved 7/23/2010 Rev (Approved)
(4) Policies and information are available for viewing at www.purinacare.com.  Premiums may vary by age, breed, and location
(1) Information taken from AKC Pet Healthcare Essential Plus Policy and data available at  www.akcpethealthcare.com

(2) Available June 1, 2010

(3) Includes Monthly Credit Card Processing fee of $4.00
Policy Questions PurinaCare® ASPCA Pet Health Insurance
Plan Name PurinaCare Without Preventive Care with $100 Annual Deductible(1) Level 2 Plan with $100 Annual Deductible and Continuing Care Option (2)
Dog Labrador Retriever Labrador Retriever
Cat Domestic Short Hair Domestic Short Hair
Age 3 years old (MN) 3 years old (MN)
State Texas Texas
Zip Code 78258 78258
Choice of Annual Deductible Yes - Choice of $100, $250, $500, $1000 No- $100 Only
Choice of Co-Insurance Yes - Choice of 20%, 30%, and 40%  None 
Per Incident Limits None Yes 
Maximum Per Incident Benefit None $1,500
Annual Limits $20,000 $8,000
Co-Insurance for This Example 20% 20%
Insurance Coverage for This Example 80% 80%
Waiting Period Accident - 2 days,
Illness - 14 days		 Accident - 0 Days,
Illness - 30 Days
Acupuncture or Chiropractic Coverage Yes, If By Veterinarian in Clinical Setting None
Congenital or Hereditary Coverage After 2 weeks None
Coverage for Medical Conditions Occuring in Previous Policy Period (Continuing or Lifetime Care) Yes - Full Benefits Resume in       Each New Policy Term After Annual Deductible is Met Yes - Available as an Extra Cost Option - $1,500 Per Incident Limit, $3,500 Lifetime Limit
Behavior Therapy Coverage Yes, if By Veterinarian in Clinical Setting None
Annual Preventive Care Coverage Available Yes, with $250, $500, and $1000 Deductible Levels Yes - With Level 3 and Level 4 Plans
Waiting Period For Anterior Cruciate Coverage 2 Weeks 12 Months
Multiple Pet Discount Available? Yes - 5% for Second Pet, 10% for 3rd and Above Yes - 10%
Administrative Fees Charged None Yes - Annual $10.50 Issuance Fee
Monthly Premium $38.31 Dog
$13.18 Cat		 $31.30 Dog (3)
$23.07 Cat (3)
07/23/2010 REV Approved
(1) Policies are available for viewing at www.purinacare.com.
(2) Information taken from the ASPCA Pet Insurance LEVEL 2 PLAN Issued by The United States Fire Insurance Company and data available at  www.aspcapetinsurance.com
Policy Questions PurinaCare® Embrace Pet Health Insurance
Plan Name PurinaCare Plus Preventive Care and $250 Annual Deductible (1) Embrace "Complete" Plan with Wellness and $200 Annual Deductible (2)
Dog Labrador Retriever Labrador Retriever
Cat Domestic Short Hair Domestic Short Hair
Age 3 years old (MN) 3 years old (MN)
State Texas Texas
Zip Code 78258 78258
Choice of Annual Deductible Yes - Choice of $250, $500, $1000 Yes - Choice of $100, $200, $500
Choice of Co-Insurance  Yes - Choice of 20%, 30% or 40%  No 
Annual Limits     $20,000 $15,000
Co-Insurance for This Example 20% 20%
Insurance Coverage for This Example 80% 80%
Waiting Period Preventive Care - 0 days                 Accident - 2 days, Illness - 14 days Accident and Illness - 14 days
Orthopedic Conditions - 6 months(3)
Congenital and Hereditary Coverage $20,000 $15,000
Prosthetic Limbs and Devices Coverage Yes No
Coverage of Illness or Injury caused by another animal residing and cared for in your household Yes No
Behavior Therapy Coverage  Yes - If By a Veterinarian in a Clinical Setting No
Pre-existing Cancer Limitations  If Pet Has Been Treated For Cancer Prior to Effective Date, Only The Previously Treated Type of Cancer Occuring After The Effective Date Is Considered to be Pre-Existing If Pet Has Been Treated For Cancer Prior to Effective Date, All Types of Cancer in Any Body Location After the Effective Date are Considered to Be Pre-existing
Chiropractic and Acupuncture Coverage Yes Yes, Only When Provider is a Member of Either Chiropractic, Homeapathy, Acupuncture, or Holistic National Associations
Continuing Care Coverage Yes - After Deductible is Met For Each Policy Term Yes, $2500 Limit Per year
Maximum Payable Annual Preventive Care Benefit Available at 20% Co-Insurance Level $715
(May Be Subject to Deductible)		 $200
(Not Subject to Deductible)
Annual Preventive Care Premium Costs $185.40 - Dog
$57.60 - Cat		 $149.00
Wellness or Preventive Care Expenses Apply to Deductible Yes No
Deductible Applies to Wellness or Preventive Care Yes No
Benefits Allowed for Veterinary Provider Treating his/her Own Pet Yes, When proof that practice received payment from the provider. No
Monthly Premium $46.88 Dog
 $15.41 Cat
Neutering & Microchipping Discounts Not Available		 $59.97 Dog
$40.51 Cat
Premiums Shown Above Include Discounts for Neutering & Microchipping
5% Yearly Billing Discount Available No Yes
08/11/2010 REV Approved
(1) PurinaCare also offers PurinaCare without Preventive Care.  Policy and data available for viewing at www.purinacare.com
(2) Information taken from Embrace policy dated 07/09 and from data available at  www.embracepetinsurance.com.

Embrace offers additional policies available for viewing at www.embracepetinsurance.com

(3) The Orthopedic Waiting Period can be reduced by having your veterinarian perform (at policyholder's expense) an orthopedic examination and submitting the results to Embrace for review.
Policy Questions PurinaCare Pet Health Insurance PetFirst Healthcare
Plan Name PurinaCare Without Preventive Care and $100 Annual Deductible (1) PetFirst Preferred PLUS plan Without Routine Care With 100% of Available Benefits for Hereditary Conditions, and $50 Per Incident Deductible (2)
Dog Labrador Retriever Labrador Retriever
Cat Domestic Short Hair Domestic Short Hair
Age 3 years old (MN) 3 years old (MN)
State Texas Texas
Zip Code 78258 78258
Annual Deductible Yes - Choice of $100, $250, $500, $1000 No - Only Per-Incident Deductible
Per Incident Deductible No - Only Annual Deductible $50
Per Incident Limit No Per Incident Limit $3,500
Annual Limits $20,000 $15,000
Choice of Co-Insurance Yes - Choice of 20%, 30% or 40%  No 
Co-Insurance for This Example 20% 10%
Insurance Coverage for This Example 80% 90%
Waiting Period Accident - 2 days
Illness - 14 days		 Accident - 1 day
Illness - 14 Days
Waiting Period for Cruciate Repair Two Weeks 12 Months
Waiting Period For Intervertebral Disk Disease Two Weeks 6 Months
Non Pre-Existing Hereditary and Congenital Coverage   Yes - No Per Incident Limits Yes - Additional $50 Per Month Premium Required.  Benefits limited to Per Incident Limits
Chronic or Lifetime Coverage Yes - After Annual Deductible is Met for Each Policy Term Yes
Dental Disease Care Covered Yes No - Accidental Damage to Teeth Only
Annual Preventive Care Coverage Available Yes Yes
Accident Only Coverage Available Not at this time Yes
Restricted Renewal Based on Pet's Age  None - Assuming Coverage Has Been Continuous Dogs and Cats 10 Years and Older Must Convert to the Senior First Plan Which Increases the Deductible to $100, the Co-Pay to 20%, and Reduces the Per Incident and Annual Limit to $2000
Benefits for Advertising and Reward if Your Pet is Strayed or Lost None Yes - $400 Limit
Benefits for Boarding or Kennel Fees if You Are Ill and You Need Daily Care for Your Pet None Yes - $500 Limit
Benefits for Trip Cancellation If Your Pet is Ill and Requires Medical Treatment None Yes - $500 Limit
Benefits for Loss by Theft or Straying None Yes - $500 Limit
Benefits for Burial or Cremation None Yes - $100 Limit
Multiple Pet or Family Plan Discounts Available Yes Yes
Discount Available for Annual Payment None Yes - $20.00
Monthly Premium $38.31 - Dog
$13.18 - Cat		 $91.70 - Dog
$83.70 - Cat
07/23/2010 REV Approved
(1) Policies and data are available for viewing at www.purinacare.com.
(2) Data available for viewing at www.petfirsthealthcare.com.  The PetFirst Preferred PLUS Plan illustrated here is the PetFirst plan most similar to the PurinaCare plan shown in the next column.
Policy Questions PurinaCare Pet Health Insurance PetPlan
Plan Name PurinaCare Without Preventive Care with $100 Annual Deductible (1) PetPlan Gold Plan with $100 Per Incident Deductible (2)
Dog Labrador Retriever Labrador Retriever
Cat Domestic Short Hair Domestic Short Hair
Age 3 years old (MN) 3 years old (MN)
State Texas Texas
Zip Code 78258 78258
Choice of Annual Deductible Yes - Choice of $100, $250, $500, $1000 No - Only Per Incident Deductible
Choice of Co-Insurance Yes - 20%, 30% or 40%  None 
Per Incident Deductible Available  No - Only Annual Deductible Yes - Policyholder Choice of $50, $100, $200
Deductible Application to Claim Before Co-Insurance is Applied (Results in Higher Benefit for First Claim in Policy Term) After Co-Insurance is Applied (3)
Co-Insurance for This Example 20% 20% (30% When Services Provided by Specialty or Emergency Facility)
Insurance Coverage for This Example 80% 80% (70% When Services Provided by Specialty or Emergency Facility)
Waiting Period Accident - 2 days
Illness - 14 days		 Accident - 1 day
Illness - 14 Days
Primary Veterinarian Required to be Member of American Veterinary Medical Association which is a Voluntary Membership, Not Required for Licensure No Yes
Referral Veterinarian Required to be Board Certified in Specialty No Yes
Coverage for Medical Expenses Caused By Earthquake, Windstorm, Flood, or Other Natural Disaster Yes None
Therapy Diets Covered No Yes - Limited to 6 Months Supply of Diets to Eliminate Bladder Stones or Crystals
Behavior Therapy Coverage  Yes, if By Veterinarian in Clinical Setting Yes - Limit of $250 if By Veterinarian
Dental Medical Care Covered Yes Yes - Dental Exam by Veterinarian During the Previous 12 months is Required and if There Are  Recommended Treatments, They Must Be Carried Out
Annual Preventive Care Coverage Available Yes No
Restricted Enrollment or Renewal Based on Pet's Age None - Assuming Coverage Has Been Continuous Yes - Dogs After Age 8 (Age 5 for Certain Breeds), Cats - After Age 10.  Veterinary Examination and Laboratory Tests are Required Which Must Be Paid for by Policyholder
Reimburse the price you paid for your pet if it dies or has to be put to sleep during the policy period by a veterinarian as a result of accident or illness. None Yes - $1,000 Limit
Benefits for Advertising and Reward Costs if Your Pet Goes Missing None Yes - $500 Limit
Benefits for Boarding or Pet Sitter Fees  if You are Hospitalized for more than 96 hrs. None Yes - $500 Limit
Benefits for Vacation Cancellation Expenses Due to Your Pet's Illness or Injury None Yes - $1,000 Limit
Reimburse you for the Price you Paid for your Pet if lost Through Straying or Theft and Does not Return or is Not Recovered None Yes - $500 Limit
Discounts Available Yes - See List (6) Yes - See List (7)
Monthly Processing Charge None Yes- $2.00
Monthly Premium $38.31 - Dog
$13.18 - Cat		 $42.26 - Dog (4)
$17.61 - Cat (4)
07/23/2010 REVApproved
(1) Policies and data are available for viewing at www.purinacare.com.

(6) Multiple Pet Discount - 5% for 2nd pet, 10% for 3 or  more.

(6) Veterinary Employee Disc. 10%
Employee Benefit Plan Discount 5%
(2) Policy and data available for viewing at www.gopetplan.com.  The Pet Health Insurance Policy Provided by the American National Property and Casualty Company

(3) At the $100 deductible level,  applying the deductible AFTER the co-insurance is applied results in $20 less benefits being paid (regardless of the amount of the claim) compared to applying the deductible BEFORE co-insurance is applied.  Note:  The dollar amount of the difference will vary with the deductible level selected by the policyholder and occurs only with the first claim of the policy term.

(4) Premium shown includes a 5% on-line enrollment discount.

(7) Maximum Discount Available is 10% per pet which is in addition to the 5% online discount automatically applied at enrollment.
Microchip Discount - 10%
Multiple Pet Discount - 10%
Veterinary Prof. Discount - 10%
Medical Services Pet Disc. - 10%
Strategic Partner Disc. - 5%
Employee Benefit Plan Discount 10%
Policy Questions PurinaCare Pet Health Insurance Pets Best Insurance
Plan Name PurinaCare Plus Preventive Care with $250 Annual Deductible (1) Pets Premier Plan Plus Best Wellness with $250 Per Incident Deductible (2) (3)
Dog Labrador Retriever Labrador Retriever
Cat Domestic Short Hair Domestic Short Hair
Age 3 years old (MN) 3 years old (MN)
State Texas Texas
Zip Code 78258 78258
Choice of Annual Deductible Yes - Choice of $250, $500, $1000 No - Only Per Incident
Choice of Co-Insurance Yes - 20%, 30% or 40%  None 
Per Incident Deductible Available None Yes - Choice of $100, $250, $500
Per Incident Limits None $14,000
Annual Limits $20,000 No Defined Annual Limits
Lifetime limits None Yes - $100,000
Co-Insurance for This Example 20% 20%
Insurance Coverage for This Example 80% 80%
Waiting Period Preventive Care - 0 days
Accident - 2 days, Illness - 14 days		  Illness and Wellness - 14 days       Accident - 3 Days
Congenital Coverage Yes, if Manifested After Policy Waiting Period None
Pregnancy Coverage None $500 (Not Available for all Breeds)
Anterior Cruciate Medical & Surgical Coverage After 2 weeks After 12 months
Patella Luxation Coverage Yes No (Considered to be Congenital)
Hereditary Limits $20,000 per year $2500 Lifetime If Enrolled Before 2nd Birthday.  No Coverage if Enrolled After 2nd Birthday
Behavior Therapy Coverage Yes - If By a Veterinarian in a Clinical Setting Yes, Limited to $400 Lifetime
Chiropractic and Acupuncture Coverage Yes Yes, Limited to $500 Lifetime
Mortality Expenses Yes - Euthanasia only when Medically Indicated Yes - Limited to Euthanasia and Disposal for Humane Reasons Only
Maximum Payable Annual Preventive Care Benefit Available at 20% Co-Insurance Level $715
(May Be Subject to Deductible)		 $380 Dog, $445 Cat
(Includes $25 for Flea, Tick and Heartworm Prevention) (Not Subject to Deductible)
Annual Preventive Care Premium Costs $185.40 $264.00
Wellness or Preventive Care Expenses Apply to Deductible Yes No
Deductible Applies to Wellness or Preventive Care Yes No
Monthly Premium $46.88 Dog
$15.41 Cat		 $82.29 Dog
$59.10 Cat
07/23/2010 REV Approved
(1) PurinaCare also offers PurinaCare without Preventive Care.  Policy and data available for viewing at www.purinacare.com
(2) Information taken from Aetna Pets Accident & Illness Policy Insurance Agreement Edited 8/08 and from information provided by www.petsbest.com.

(3) Pets Best offers additional policies available for viewing at www.petsbest.com.
Policy Questions PurinaCare Pet Health Insurance Trupanion Pet Insurance
Plan Name PurinaCare Without Preventive Care with $250 Annual Deductible(1) Trupanion Plan with $250 Per Incident Deductible(2)
Dog Labrador Retriever Labrador Retriever
Cat Domestic Short Hair Domestic Short Hair
Age 3 years old (MN) 3 years old (MN)
State Texas Texas
Zip Code 78258 78258
Choice of Annual Deductible Yes - Choice of $100, $250, $500, $1000 No - Only Per Incident
Choice of Co-Insurance Yes - 20%, 30% or 40%  None 
Per Incident Deductible Available None Policyholder Can Select any dollar amount from $0 - $1000
Examination Fee Deductible None Yes - Because Veterinary Exam Fees are not Covered, These Fees Become Defacto Deductibles When Charged During an Office Visit and/or in the Course of the Hospitalization of a Sick or Injured pet
Annual Limits $20,000 No Defined Annual Limits
Co-Insurance for This Example 20% 10%
Insurance Coverage for This Example 80% 90%
Waiting Period Accident - 2 days
Illness - 14 days		 Accident - 5 days
Illness - 30 days
Physical Exam Required For Enrollment No - Unless Pet is Older or Medical History is Unkown Yes, ALL Applicants
Acupuncture or Chiropractic Coverage Yes - If By Veterinarian in Clinical Setting None
Hip Dysplasia Coverage After 2 weeks Only if Enrolled Before First Birthday and For Additional Premium of $5.15 per month at the $250 deductible level
Behavior Therapy Coverage Yes - If By Veterinarian in Clinical Setting None
Dental Medical Care Covered Yes No
Conditions resulting from racing, hunting, law enforcement, or guarding covered Yes No
Conditions resulting from failure to spay or neuter covered Yes No, Unless Spayed or Neutered Prior to 1st Birthday, Within 30 days of adoption, or if timing of surgery was by veterinarian's recommendation
Annual Preventive Care Coverage Available Yes - With Additional Preventive Care Rider No
Premium Increase with Age? Yes, at Ages 5, 8, and 10 No
Monthly Premium (Note: Premiums may vary by location or zip code) $31.43 Dog
$10.41 Cat		 $35.44 Dog
$21.38 Cat
07/23/2010 REV Approved
(1) Policies are available for viewing at www.purinacare.com.
(2) Information taken from Trupanion Pet Health Insurance Policy Dated 09/08 and from information provided by www.trupanionpetinsurance.com as of 06/16/2010.
Policy Questions PurinaCare VPI PurinaCare VPI
Plan Name PurinaCare Plus Preventive Care with $250 Annual Deductible (1) Major Medical with Care Guard Premier and $250 Annual Deductible (2) PurinaCare Plus Preventive Care with $250 Annual Deductible (1) VPI Superior Plan with CareGuard Premier and Enhanced Cancer with $50 Per Incident Deductible (2)
Breed Dog - Labrador Retriever
Cat - Domestic Shorthair		 Dog - Labrador Retriever
Cat - Domestic Shorthair		 Dog - Labrador Retriever
Cat - Domestic Shorthair		 Dog - Labrador Retriever
Cat - Domestic Shorthair
Age 3 years old 3 years old 3 years old 3 years old
State Texas Texas Tennessee Tennessee
Zip Code 78258 78258 38017 38017
Choice of Annual Deductible Yes - Choice of $100, $250, $500, $1000 Yes - Choice of $100, $250, $500, $1000 Yes - Choice of $100, $250, $500, $1000 No
Choice of Co-Insurance Yes - 20%, 30% or 40% None  Yes - 20%, 30% or 40% (3) None 
Per Incident Deductible No No No Yes - $50 Per Incident
Limits Payments by Benefit Schedule No Yes No Yes
Co-Insurance for This Example 20% Any amount exceeding Benefit Schedule Allowance 20% 10% of Benefit Schedule Allowance plus any amount exceeding Benefit Schedule Allowance total
Insurance Coverage for This Example 80% 100% of benefit schedule 80% 90% of benefit schedule
Annual Limits $20,000 $14,000 $20,000 $14,000
Maximum Payable Annual Preventive Care Benefit Available at 20% Co-Insurance Level $715 - Benefit
$217.32 - Cost Dog
$71.88 - Cost Cat
(Subject To Deductible)		 $380 - Benefit
$264 - Cost
(Not Subject To Deductible)		 $715- Benefit
$185.40 - Cost Dog
$57.60 - Cost Cat
(Subject To Deductible)		 $380 - Benefit
$264 - Cost
(Not Subject To Deductible)
Hereditary Coverage After 2 weeks After 1 year After 2 weeks NO
Annual Hereditary Limits $20,000 $250-Diagnostics
$500-Surgical		 $20,000 NOT COVERED
Anterior Cruciate Medical & Surgical Coverage After 2 weeks After 12 months After 2 weeks After 12 months
Behavior Therapy Coverage Yes No Yes No
Age Restrictions No Yes No Yes
Per Incident limits on Accidents & Illnesses No - Only Annual Limits No - Only Benefit Schedule and Annual Limits No - Only Annual Limits Yes - $4,500 Plus Benefit Schedule Limits
Monthly Processing Fee No Yes - $2.00 No Yes - $2.00
Premium (Note: Premiums may vary by location or zipcode) $54.04 - Dog
$17.95 - Cat		 $58.73 - Dog
$46.57 - Cat		 $46.88 - Dog
$15.21 - Cat		 $50.08 - Dog
$42.66 - Cat
07/23/2010 REV Approved
(1) Information available at www.purinacare.com
(2) Information above is available from www.petinsurance.com, an actual policy, or additional VPI policy documents, as of July 23, 2010. Check state for availability.
(1) Information available at www.purinacare.com

(3) Check www.purinacare.com for state availability
(2) Information above is available from www.petinsurance.com, an actual policy, or additional VPI policy documents, as of July 23, 2010. Check state for availability.
Policy Questions PurinaCare® Healthy Paws Pet Insurance
Plan Name PurinaCare Without Preventive Care with $250 Annual Deductible and 20% Co-Insurance (2) Healthy Paws Plan with $250 Annual Deductible and 20% Co-Insurance (1)
Dog Labrador Retriever Labrador Retriever
Cat Domestic Short Hair Domestic Short Hair
Age  3 years old (MN)  3 years old (MN)
State  Texas  Texas
Zip Code  78258  78258
Choice of Annual Deductible  Yes - $100, $250, $500, $1000 Yes - $50, $100, $250, $500
 Choice of Co-Insurance
 Yes - 20%, 30%, 40% (5)
Yes - 10%, 20%, 30%
Coverage Available for Pets Owned by Veterinarian's Immediate Family Yes - Claims Documents Must Include a Receipt Showing That Veterinary Services are Fully Paid  No
Exam or Professional Fee Deductible None Yes - Because Veterinary Exam and Professional Fees are not Covered, These Fees Become Defacto Deductibles When Charged During an Office Visit and/or in the Course of the Hospitalization of a Sick or Injured pet (3)
Annual Limits $20,000 No Defined Annual Limits
Lifetime Limits NONE Yes - $25,000
Waiting Period Accident - 2 days, Illness - 14 days Accident an Illness - 15 days
Physical Exam Required For Enrollment No, Unless Pet is Older or Medical History is Unkown Yes - Pets Younger Than 6 Years Must Have Complete Clinical Exam Within Previous 12 months or Within 15 Days After the Policy Effective Date. Pets 6 Years or Older Must Have Complete Clinical Exam Within Previous 30 Days or 15 Days After the Policy Effective Date
Acupuncture or Chiropractic Coverage Yes, If By Veterinarian in Clinical Setting None
Hip Dysplasia Coverage Yes - After 2 weeks with NO Age Limits Yes, But NOT if Hip Dysplasia Occurs Within the 1st 12 Months of the Policy Effective Date. To Qualify, a Pet Less than 6 Years of Age Must Have a Complete Physical HIP Exam Within 12 months Following the Policy Effective Date. For Pets 6 Years and Older, Hip Dysplasia Benefits are NOT Available.
Hereditary and Congenital Limits Annual Limits ($20,000) Apply Lifetime Limits ($25,000) Apply
Behavior Therapy Coverage Yes, if By Veterinarian in Clinical Setting None
Dental Medical Care Covered Yes - Accident And Dental Disease Covered Yes - Accident Damage Only. Dental Disease NOT Covered
Conditions resulting from racing, law enforcement, guarding, or for any commercial use covered Yes No
Annual Preventive Care Coverage Available Yes - Requires Additional Rider No
Medical Records Automatically Required With First Claim No Yes
Co-Insurance Applied Before Deductible is Subtracted No - Example Covered Treatment $1000 Less $250 Deductible = $750 X 80% Results in $600 Total Benefit Yes - Example Covered Treatment $1000 X 80% = $800 Less $250 Deductible Results in $550 Total Benefit
Premium Increase with Age of Pet? Yes, at Ages 5, 8, and 10 No
Premium Increase with Time? None Yes - Cost-of-living Increase Each Year Estimated at 4-5% Per Year (3)
Monthly Premium (Premiums may vary by age, breed, and location) $31.43 Dog
$10.41 Cat		 $37.16 Dog (4)
$19.50 Cat (4)
7/12/2010 Rev. 1
(2) Policies are available for viewing at www.purinacare.com.

(5) 30% and 40% co-insurance may not be available in all states. Check with www.purinacare.com for availability
(1) Information taken from a Healthy Paws Insurance Policy and from information provided by www.healthypawspetinsurance.com on 07/06/2010.

(3) Information Obtained Through Direct Contact With HealthyPaws Customer Service Representative on 07/06/2010.

(4) Includes 5% discount for keeping pet's weight within veterinary recommendations.

In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, co-insurance, and coverage for a 3 years old Labrador Retriever Dog and a 3 years old Domestic Short Hair Cat. PurinaCare recognizes that some companies may offer different policies and features which may affect premium cost. Please be advised that premium costs may vary by location, zip code, age, and other variables. Current premium and policy features, as well as costs, should always be confirmed by accessing the pet health insurance company’s website.