Notice for California Residents




Accident & Illness and Accident only

Please read below for important information to help you understand our coverage. Keep in mind, we will not reduce coverage or increase premium due to claims history.


We use certain terms in our policy documents and want to make sure you understand how they are used. Following are some common DEFINITIONS:


Pet insurance- means an individual or group insurance policy that provides coverage for Veterinary expenses.

Pre-existing condition- means any condition for which a veterinarian provided medical advice, the pet received treatment for, or the pet displayed signs or symptoms consistent with the stated condition prior to the effective date of a pet insurance policy or during any waiting period.

Reimbursement percentage – means co-insurance.

Veterinarian- means an individual who holds a valid license to practice veterinary medicine from the Veterinary Medical Board pursuant to Chapter 11 (commencing with Section 4800) of Division 2 of the Business and Professions Code or other appropriate licensing entity in the jurisdiction in which he or she practices.

Waiting Period- means the period of time specified in a pet insurance policy that is required to transpire before some or all of the coverage in the policy can begin.


Coverage for the following conditions will be EXCLUDED.

Pre-existing condition: Pre-existing conditions are not covered by our plans. However, If your pet’s pre-existing condition is curable and has been cured and free from treatment and symptoms for a period of 180 days it is a new occurrence. This does not apply to ligament and knee conditions. Ligament and Knee conditions are considered bilateral and related, regardless of cause; meaning an occurrence on one side of the body affects both sides of the body.

Other exclusions apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.


Waiting Periods

There are WAITING PERIODS that apply before certain coverages are effective. A 14 day illness waiting period applies to the first policy period. Diagnosis and treatment for ligament and knee conditions are subject to a 14 day waiting period on all policies. Conditions that occur during a waiting period are considered pre-existing.


Policy Limits

Reimbursement of covered expenses is subject to the annual policy limit listed on your declarations page.

Please continue reading for information on Claims, Deductibles, Reimbursement Percentage and



We offer a choice of annual deductible options. The annual deductible applies to each policy period. We subtract that deductible amount from the covered expenses before calculating your reimbursement percentage.


Reimbursement Percentage

After the deductible is met, you are responsible for your portion of the covered expenses in addition to any amounts not covered by the policy. We then pay our portion of the covered expenses subject to the annual limits.


Determination of Claim Payouts

Our coverage provides reimbursement up to the applicable annual limit for the actual costs for covered expenses that you incur during the policy period, after subtracting your deductible and applying the reimbursement percentage, listed on the declaration page.


Preventive Care optional endorsement

Reimbursements are up to the lower of the amount listed or charged. Some benefits are specific as noted.


Dental Cleaning OR Spay/Neuter $150
Wellness Exam $50
FVRCP Vaccine / Titer (cats)
DHLPP Vaccine / Titer (dogs)
Rabies Vaccine / Titer OR FIP Vaccine/ Titer (cats)
Lyme Vaccine / Titer (dogs)
Fecal Test $25
FELV Test (cats)
Heartworm Test (dogs)
Deworming $25
Health Certificate $25
Flea / Heartworm Prevention $25
FELV Vaccine / Titer (cats)
Bordetella Vaccine / Titer (dogs)
Blood Test $25
Urinalysis $25

Notice for California Residents
Important Insurer Disclosures (DE, LA, WA, ME, MS, NE, NH)

Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), and produced and marketed by Algo Technologies, Inc. d/b/a Doggo (NPN # 19332914. 450 9th St. San Francisco CA 94103. California producer license number 626248). PTZ Insurance Agency Ltd. (NPN: 5328528. domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306) is responsible for administration and claims adjudication. (California residents only: PTZ Insurance Agency Ltd., d.b.a PIA Insurance Agency Ltd. CA license #0E36937).

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit Preventive Care coverage reimbursements are based on a schedule. Accident & illness coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change.

* Dog training service access at no additional cost is not available in all states. Currently not permitted in Alaska, Connecticut, Idaho, Indiana, Minnesota, New York, North Dakota, Pennsylvania, Rhode Island, and Washington.