Policy becomes effective at 12:01am the day after adoption. A 24-hr waiting period for accidents, a 14-day waiting period for illnesses and a 6-month exclusion for cruciate ligaments and patellas applies. Lifetime coverage is contingent on the policy being renewed each year without any break in coverage. Subject to annual policy limits of $8,000, $12,000 or $20,000. Limits are replenished in full on renewal. Pre-existing conditions, including those where clinical signs are present prior to the effective date of the policy or during the policy waiting period, are excluded from coverage.

Coverage under any pet insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage may vary by state. Pet insurance policies are issued by AGCS Marine Insurance Company and administered by Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan), d/b/a Petplan (Petplan Insurance Agency, LLC in California). AGCS Marine Insurance Company, a member of the Allianz Group, is rated A+ by A.M. Best (2010).

† As long as the condition was not showing clinical signs prior to the effective date of the policy, or during the waiting period. There is a 24-hour waiting period for accidents, a 14-day waiting period for illnesses and a 6-month exclusion on cruciate and patella disease, unless knees are certified as healthy by a veterinarian within the first 30 days of a policy. Subject to annual policy limits. ‡ Specialist vet fees reimbursed at 80%, except in case of emergency.