Pet Health Care Plans: Compare Plans

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)
Choice of Annual Deductible	Yes - Choice of $100, $250, $500, $1000	No - Only Per Incident Deductible
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
Co-Insurance for This Example	20%	10%
Insurance Coverage for This Example	80%	90%
Deductible Applied to Claim	Before Co-Insurance is Applied, Resulting in Higher Benefit	After Co-Insurance is Applied, Resulting in Lower Benefit
Waiting Period	Accident - 2 days Illness - 14 days	Accident - 12:01 a.m. on the day following enrollment Illness - 31 Days
Current Medical Records Required for ALL Claims	No-Only For Claims Where Possible Pre-Existing Conditions Require a Review	YES
Chinese Shar-Pei Covered For Illness	YES	NO
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
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	No
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
Discount Available for Microchipped Pets	No	Yes - $12.00 Per Year
Premium Increases With Age	YES - At ages 5, 8, & 10	NO
Premium May Increase With "Excessive" Claims	NO	YES
Monthly Pay Plan Fee	None	Yes - $2.00
Monthly Premium (includes monthly pay plan fee)	$38.31- Dog $13.18 - Cat	$53.95 - Dog $27.95 - Cat
	(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.

The description of 24PetWatch policy was not furnished by 24PetWatch. If there are questions regarding the illustration, please contact a representative of 24PetWatch. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and 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 companies website at http://www.24petwatch.com/petinsurance/ or by calling them at 1-866-275-PETS (7387).

Policy Questions	PurinaCare^®	AKC Pet Healthcare Plan
Plan Name	PurinaCare Without Preventive Care with $100 Annual Deductible(1)	Essential Plus Plan with $125 Annual Deductible (2)
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
Administrative Fees Charged	None	Yes - $4.00 Per Month Credit Card Processing Fee
Monthly Premium (includes monthly processing fee)	$38.31 Dog $13.18 Cat	$45.58 Dog (3) $25.67 Cat (3)
Premiums may vary by age, breed, and location	(1) Policies and information are available for viewing at www.purinacare.com. Premiums may vary by age, breed, and location	(2) Information taken from AKC Pet Healthcare Essential Plus Policy and data available at www.akcpethealthcare.com (3) Includes Monthly Credit Card Processing Fee of $4.00

The description of AKC policy was not furnished by AKC. If there are questions regarding the illustration, please contact a representative of AKC. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and 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 companies website at http://www.akcpethealthcare.com/ or by calling them at 1-866-725-2747.

Policy Questions	PurinaCare^®	ASPCA Pet Health Insurance
Plan Name	PurinaCare Without Preventive Care with $100 Annual Deductible(1)	Level 4 Plan with $100 Annual Deductible and Continuing Care Option (2)
Choice of Annual Deductible	Yes - Choice of $100, $250, $500, $1000	Yes- $100, $250, $500
Choice of Co-Insurance	Yes - Choice of 20%, 30%, and 40%	None
Per Incident Limits	None	Yes
Maximum Per Incident Benefit	None	$7,000
Annual Limits	$20,000	None Defined
Co-Insurance for This Example	20%	10%
Insurance Coverage for This Example	80%	90%
Waiting Period	Accident - 2 days, Illness - 14 days	Accident - 0 Days, Illness - 30 Days
Congenital or Hereditary Coverage	Yes, $20,000 Annual Limit Two Weeks Waiting Period	Yes, $1,000 Per Incident Limit $2,500 Lifetime Limit 6 Months Waiting Period
Alternative Therapy Coverage	$20,000 Annual Limit Applies	$300 Annual Limit
Coverage for Medical Conditions Occuring in Previous Policy Period (Ongoing Conditions)	Yes - Full Benefits Resume in Each New Policy Term After Annual Deductible is Met	Yes - $2,500 Per Incident Limit After the First Policy Period $6,000 Lifetime Limit
Behavior Therapy Coverage	Yes, $20,000 Annual Limit Applies	Yes, $300 Annual Limit
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 - Monthly $1.50 Issuance Fee
Monthly Premium (includes Monthly Issuance Fee)	$38.31 Dog $13.18 Cat	$76.37 Dog $48.76 Cat
	(1) Policies are available for viewing at www.purinacare.com.	(2) Information taken from the ASPCA Pet Insurance LEVEL 4 PLAN Issued by The United States Fire Insurance Company and data available at www.aspcapetinsurance.com

The description of ASPCA policy was not furnished by ASPCA. If there are questions regarding the illustration, please contact a representative of ASPCA. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and 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 companies website at http://www.aspcapetinsurance.com/ or by calling them at 1-866-861-9092.

Policy Questions	PurinaCare^®	Embrace Pet Health Insurance
Plan Name	PurinaCare Plus Preventive Care, $250 Annual Deductible, $20,000 Annual Limit, 20% Co-Insurance (1)	Embrace "Custom" Policy with Wellness and Dental Rewards, $200 Annual Deductible, $15,000 Annual Limit, 20% Co-Insurance (2)
Annual Deductible Available	Yes - Choice of $250, $500, $1000	Yes - Choice of $100, $200, $300, $500, $1,000
Co-Insurance Options	20%, 30% or 40%	10%, 20%, 35%
Waiting Period	Preventive Care - 0 days Accident - 2 days Illness - 14 days	Wellness - 0 days Accident and Illness - 14 days Orthopedic Conditions - 6 months(3)
Lifetime Maximum	None	$50,000
Prosthetic Limbs and Devices Coverage	Yes	No
Physical Exam Required for Initial Coverage & Renewal	No	Yes
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
Stem Cell Therapy Coverage	Yes	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
Congenital and Hereditary Coverage	$20,000 Maximum	$15,000 Maximum
Annual Preventive Care Benefit Limits	$715	$400
Monthly Preventive Care Premium Costs	$15.45 Dog, $4.80 Cat	$25
Deductible May Apply to Wellness or Preventive Care	Yes	No
5% Yearly Billing Discount Available	No	Yes
Monthly Premium	$46.88 Dog $15.21 Cat	$105.55 Dog (5) $85.06 Cat
	(1) PurinaCare also offers PurinaCare without Preventive Care. Policy and data available for viewing at www.purinacare.com	(2) Information taken from RLI Insurance Policy dated 5/10, from data available at www.embracepetinsurance.com and personal communication with Laura Bennett. (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. (5) Embrace Dog and Cat Premiums include a discount for pets that have been neutered.

The description of Embrace policy was not furnished by Embrace. If there are questions regarding the illustration, please contact a representative of Embrace. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and 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 companies website at http://www.embracepetinsurance.com/ or by calling them at 1-800-511-9172.

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 $100 Per Incident Deductible (2)
Choice of Annual Deductible	Yes - Choice of $100, $250, $500, $1000	No - Only Per-Incident Deductible
Per Incident Deductible	No - Only Annual Deductible	$100
Per Incident Limit	No Per Incident Limit	$3,500
Annual Limits	$20,000	$15,000
Co-Insurance for This Example	20%	10%
Choice of Co-Insurance	Yes - Choice of 20%, 30% or 40%	No
Insurance Coverage for This Example	80%	90%
Waiting Period	Accident - 2 days Illness - 14 days	Illness - 14 Days
Cruciate Diagnosis & Repair Coverage	After 2 Weeks	NONE
Hip Dysplasia Coverage	After 2 Weeks	NONE
Patella Luxation Coverage	After 2 Weeks	NONE
Waiting Period For Intervertebral Disk Disease	Two Weeks	6 Months
Non Pre-Existing Hereditary and Congenital Coverage PLUS Chronic or Lifetime Coverage	Yes - No Per Incident Benefit Limits	Yes - Benefits limited to Per Incident Limits $3,500 (3)
Dental Disease Care Covered	Yes	No - Accidental Damage to Teeth Only
Behavior Coverage	Yes	None
Benefits for Advertising and Reward if Your Pet is Strayed or Lost	None	Yes - $500 Limit
Benefits for Boarding or Kennel Fees if You Are Ill and You Need Daily Care for Your Pet	None	Yes - $600 Limit
Benefits for Trip Cancellation If Your Pet is Ill and Requires Medical Treatment	None	Yes - $600 Limit
Benefits for Loss by Theft or Straying	None	Yes - $500 Limit
Benefits for Burial or Cremation	None	Yes - $150 Limit
Annual Administrative Charge for Monthly Payment	None	Yes - $30.00
Monthly Premium	$38.31 - Dog $13.18 - Cat	$99.95 - Dog $83.95 - Cat
	(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. (3) Cruciate repair, hip dysplasia, and patella luxation are NOT covered under the terms of the policy.

The description of PetFirst policy was not furnished by PetFirst. If there are questions regarding the illustration, please contact a representative of PetFirst. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and 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 companies website at http://www.petfirsthealthcare.com/ or by calling them at 1-866-937-PETS (7387).

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)
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%
Insurance Coverage for This Example	80%	80%
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 $1,000 if By Veterinarian Accredited in Behavioral Therapy
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
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	$36.19 - Dog (4) $17.19 - Cat (4)
	(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) Data available for viewing at www.gopetplan.com. The Pet Health Insurance Policy Provided by the AGCS Marine Insurance 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%

The description of PetPlan policy was not furnished by PetPlan. If there are questions regarding the illustration, please contact a representative of PetPlan. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and 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 companies website at http://www.gopetplan.com/ or by calling them at 1-866-467-3875.

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)
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
	(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.

The description of PetsBest policy was not furnished by PetsBest. If there are questions regarding the illustration, please contact a representative of PetsBest. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and 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 companies website at http://www.petsbest.com/ or by calling them at 1-866-929-3807.

Policy Questions	PurinaCare Pet Health Insurance	Trupanion Pet Insurance
Plan Name	Purina Care Without Preventive Care with $250 Annual Deductible(3)	Trupanion Plan with $250 Per Incident Deductible(1)
Choice of Annual Deductible	Yes - Choice of $100, $250, $500, $1000	No - Only Per Incident
Choice of Co-Insurance	YES - 20%, 30% or 40%	NO
Per Incident Deductible Available	None	Policyholder Can Select any dollar amount from $0 - $1000
Examination Fee Deductible	None	YES - Because Exam Fees are not Covered, They Become Deductibles When Charged During an Office Visit or During Hospitalization of a Sick or Injured pet
Annual Limits	$20,000	None
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
Hip Dysplasia and Feline Kidney Transplant Coverage Available?	YES (No Additional Premium Required)	YES, Additional Premium Required (Included in Monthly Premium Below)
Coverage for Service, Therapy, Law Enforcement, Search and Rescue, Herding, Hunting, Sled, and Guard Dog Activities Available?	YES (No Additional Premium Required)	YES, Additional Premium Required (Not Included in Monthly Premium Below)
Coverage for Conditions Relating to Breeding, Whelping, and Queening Available?	No	Yes, Additional Premium Required (Not Included in Monthly Premium Below)
Organ and Bone Marrow Transplants and Stem Cell Therapy Covered?	YES	NO
Therapeutic Diet Coverage Available?	NO	YES
Non FDA-Approved Dietary Supplements For Therapeutic Treatment Covered?	NO - Only FDA-Approved Pharmaceuticals	YES
Chiropractic Treatments Covered	YES	NO
Behavior Therapy, Acupuncture, Physical or Hydro Therapy Coverage	YES (No Additional Premium Required)	YES, Additional Premium Required (Included in Monthly Premium Below)
Dental Medical Care Covered	YES	NO
Coverage Available for Conditions Resulting from Track or Sled Racing?	YES	NO
Conditions Resulting from Failure to Spay or Neuter Covered	YES	NO, Unless Surgery is Prior to 1st Birthday, Within 30 days of adoption, or if timing of surgery was recommended
Annual Preventive Care Coverage Available	YES - With PurinaCare with Preventive Care Option	NO
Premium Increase with Age?	YES, at Ages 5, 8, and 10	NO
Additional Benefits Package Available? (2)	NO	YES - Additional Premium Required (Not Included in Monthly Premium Below)
One Time Admin Fee Charged?	NONE	YES - $35.00
Monthly Premium (Note: Premiums may vary by location , zip code, or enrollment age)	$31.43 Dog $10.41 Cat	$59.04 Dog $31.18 Cat
	(3) Policies are available for viewing at www.purinacare.com.	(1) Information taken from Trupanion Pet Health Insurance Policy Dated 08/11 and from information provided by www.trupanionpetinsurance.com as of 11/10/2011 (2) See www.trupanionpetinsurance.com for benefit details.

The description of Trupanion policy was not furnished by Trupanion. If there are questions regarding the illustration, please contact a representative of Trupanion. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and 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 companies website at http://www.trupanionpetinsurance.com/ or by calling them at 1-800-569-7913.

Policy Questions	PurinaCare Pet Insurance	VPI
Plan Name	PurinaCare Plus Preventive Care with $250 Annual Deductible (1)	Major Medical with Care Guard Premier and $250 Annual Deductible (2)
Choice of Annual Deductible	Yes - Choice of $100, $250, $500, $1000	Yes - Choice of $100, $250, $500, $1000
Choice of Co-Insurance	Yes - 20%, 30% or 40%	None
Per Incident Deductible	No	No
Limits Payments by Benefit Schedule	No	Yes
Co-Insurance for This Example	20%	Any amount exceeding Benefit Schedule Allowance
Insurance Coverage for This Example	80%	100% of benefit schedule
Annual Limits	$20,000	$14,000
Maximum Payable Annual Preventive Care Benefit Available at 20% Co-Insurance Level	$715 Available Annual Benefits $217-Dog $72-Cat Annual Cost (Subject To Deductible)	$380 Available Annual Benefits $264 Annual Cost (Not Subject To Deductible)
Hereditary Coverage	After 2 weeks	After 1 year
Annual Hereditary Limits	$20,000	$250-Diagnostics $500-Surgical
Anterior Cruciate Medical & Surgical Coverage	After 2 weeks	After 12 months
Behavior Therapy Coverage	Yes	No
Age Restrictions	No	Yes
Per Incident limits on Accidents & Illnesses	No - Only Annual Limits	No - Only Benefit Schedule and Annual Limits
Monthly Processing Fee	No	Yes - $2.00
Monthly Premium (Note: Premiums may vary by location or zipcode)	$46.88 -Dog $15.21 - Cat	$54.41 - Dog $44.47 - Cat
	(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 11/10/11. Check state for availability.

The description of VPI policy was not furnished by VPI. If there are questions regarding the illustration, please contact a representative of VPI. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and 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 companies website at http://www.petinsurance.com/ or by calling them at 1-888-899-4VPI (4874).

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)
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 and 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. Note-$25 processing fee added to first monthly payment)	$31.43 Dog $10.41 Cat	$38.08 Dog (4) $19.94 Cat (4)
	(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 11/10/2011. (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.

The description of Healthy Paws policy was not furnished by Healthy Paws. If there are questions regarding the illustration, please contact a representative of Healthy Paws. In an attempt to match policies as closely as possible, these comparisons are made with policies of similar deductibles, coinsurance, and coverage for a 3 year old Labrador Retriever Dog and a 3 year old Domestic Short Hair Cat living in San Antonio, TX. The features above represent only the differences between the two policies as determined by information on the company’s website and by reading the specific insurance policy, if available. Any feature not listed is interpreted by PurinaCare as being comparable. PurinaCare recognizes that some companies may offer different policies with different co-insurance levels and deductible levels as well as different coverages which may affect premium cost. Please be advised that the premiums displayed above were derived by website quotes and are for the complete plans becoming compared and 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 companies website at http://www.healthypawspetinsurance.com/ or by calling them at 1-800-453-4054.

Policy Questions	PurinaCare Pet Health Insurance	Best Friends Pet Insurance
Plan Name	Purina Care Without Preventive Care with $100 Annual Deductible(2)	Best Friends for Life Standard-One with $100 Annual Deductible (1)
Choice of Deductible	YES - Choice of $100, $250, $500, $1000	Accident: $100 Only Illness: Choice of $100, $200, $300, $400, $500
Limits	$20,000 Annual	Accident: $10,000 Lifetime Illness: $10,000 Lifetime
Co-Insurance For This Example	20%	20%
Choice of Co-Insurance	Yes - 20%, 30%, 40%	No
Insurance Coverage For This Example	80%	80%
Waiting Period	Accident - 2 days Illness - 14 days	Accident - 0 days Illness - 14 days
Medical Records Required for Enrollment to Prove Physical Exam and Current Immunizations	NO, Unless Pet is Older or There is a Question About The Medical History Provided by the Pet Owner During the Application Process	YES, ALL Applicants
Medical Records Required to Prove No Pre-existing Conditions Prior to Paying Claim Benefits	YES - Select Claims Occuring Soon After the Effecitve Date of the Policy	YES - Any Claim
Acupuncture or Chiropractic Coverage	YES, If By Veterinarian in Clinical Setting	NO
Benefit for Therapeutic Diets	NO	YES - 25% of Cost for 6 Months if Prescribed by a Veterinarian
Behavior Therapy Coverage	YES, if By Veterinarian in Clinical Setting	NO
Dental Medical Care Covered	YES	NO
Coverage for aids or mechanical devices like carts	YES	NO
Accidental Death Benefit Available	NO	YES - Up to $500
Annual Preventive Care Coverage Available	YES	NO
Premium Increase with Age?	YES, at Ages 5, 8, and 10	NO
Monthly Billing Charge	NONE	YES- $2.00
Monthly Premium (Includes monthly billing charge)	$38.81 Dog $13.18 Cat	$36.95 Dog $23.95 Cat (2)
Premiums may vary by zip code and location	(2) Policies are available for viewing at www.purinacare.com.	(1) Information taken from Best Friends Pet Health Insurance Policy, from information provided by www.insurebestfriends.com, and from personal communication with Best Friends representative. (2) Premiums may increase with excessive claims.

Policy Questions	PurinaCare Pet Health Insurance	CFA Pet Healthcare Plan
Plan Name	Purina Care Without Preventive Care with $100 Annual Deductible(3)	Essential Plus Plan with $125 Annual Deductible (1)
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% (4)	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
Administrative Fees Charged	NONE	YES - $4.00 Per Month Credit Card Processing Fee
Monthly Premium (Premiums may vary by age, breed, and location)	$38.31 Dog $13.18 Cat	$45.48 Dog (2) $27.25 Cat (2)
	(3) Policies and information are available for viewing at www.purinacare.com. (4) Check www.purinacare.com for state availability	(1) Information taken from Pet Healthcare Essential Plus Policy and data available at www.cfapetinsurance.com (2) Includes Monthly Credit Card Processing fee of $4.00

Get a free pet insurance quote now.

Why PurinaCare^® Pet Health Insurance?

Thank You

Get a free pet insurance quote now.

Why PurinaCare® Pet Health Insurance?

Thank You

Why PurinaCare^® Pet Health Insurance?