Pets are Family Too

Including Pet Health Insurance in your employee benefit

package

www.petsbest.com

TheSmith Family

protected by Pets Best since 2013

Skippyprotected by Pets Best

since 2012

Oliviaprotected by Pets Best

since 2012

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About Pets Best Insurance • Co-founded in 2005 by Jack Stephens,

DVM, founder of pet insurance in North America and Greg McDonald

• Voted one of the best places to work in Idaho: 2013, 2014 and 2015

• Among the largest North American pet insurance brand; stable

• High customer service ranking, quarterly Net Promoter Scores over 50%

• Robust and highly efficient technology platform; scalable operations1

1 based on Pets Best survey data

fun fact!Jack presented the first pet

insurance policy in the US to television’s Lassie in 1982.

Private & Confidential - not for public sales or soliciation 2

Pet Insurance Industry Trends• Pet ownership on the rise; 82.5 million pet-

owning households1

• 3 in 5 Americans own pets and 91% of owners consider pets to be family members2

• Americans are expected to spend an estimated $15.25 billion on care for their pets this year3

• US pet insurance industry continues to experience strong year-over-year growth4

• Pet insurance is one of the leading Voluntary Benefit and gaining mainstream acceptance with all companies including Fortune 500’s5

1 The American Pet Products Association, 2013 National Pet Owners Survey

2 Harris Interactive, The Harris Poll #70, June 10, 2011

3 The American Pet Products Association, 2014 Annual Report

4 StoneRidge Advisors View From The Ridge, August 2013

5 American Marketing Association A New Breed of Health Care 2013

The Crane Familyprotected by Pets Best since 2006

Private & Confidential - not for public sales or soliciation 3

Benefits of Pet Ownership

• More active lifestyle− 73% of Pets Best customers walk their pets once or more per day

• Improved cardiovascular health− Dog owners more likely to survive following a heart attack

− Pet owners have lower heart rates and blood pressure

• Improved mental health and mood− Pet ownership increases opportunities for socialization

− Pet owners less likely to suffer from depression and have lower stress levels

− Lower stress levels and milder responses to stress

Source: National Institues of Health (NIH). “Can Pets Help Keep You Healthy? Exploring the Human-Animal Bond.” February 2009

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Private & Confidential - not for public sales or soliciationPrivate & Confidential - not for public sales or soliciation 5

Private & Confidential - not for public sales or soliciation

How Pet Insurance Works

The Crane Familyprotected by Pets Best since 2006

Private & Confidential - not for public sales or soliciation

Get an Instant Quote

& Sign Up

Get Treatment

File a Claim

Get Reimbursed

It only takes 5 minutes! Simple underwriting, no

medical records to enroll, instant approval, 30-day money back guarantee.

When your pet becomes ill or injured, take them to any licensed veterinarian of your choice anywhere

in the world!

Pay your vet and then submit a claim. No need

to send us medical records unless we ask for

them.

Get reimbursed on average in 3-5 days! We'll reimburse up to 100% of

your actual vet bill after an annual deductible.

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Exam fees

Prescriptions medications included in formulary

Emergency visits

Diagnostics, MRI, CAT scans

Pre-anesthesia tests

Surgeries

Hospitalization

Cancer treatment

Specialist care

Ongoing chronic conditions

Outpatient care

Behavioral Conditions

Congenital Conditions

Hereditary Conditions

Breed dispositions

Dental treatment/extractionsfor fractured teeth, stomatitis, pulpitis and resorptive lesions

Consistent coverage regardless of spay or neuter status

Cruciate injuries

Accidents that occur while hunting or in service

Acupuncture

Chiropractic care

Physical therapy

Hydrotherapy

Laser therapy

Coverage while travelling internationally

Prosthetic devices & wheel chairs

Older pets

Euthanasia and cremation costs

… and so much more!

What’s Covered

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Benefits for a wide range of care for illnesses & accidents*

*Benefits may differ upon plan selection

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What’s Not Covered

• Pre-existing conditions

• Non-veterinary expenses e.g., taxes, transportation, boarding

• Parasites

• Elective and preventive procedures

e.g., ear crop, tail dock, declaw

• Services not performed under supervision of a licensed veterinarian

• Herbal and experimental therapiese.g., collodial silver therapy, gold seed therapy, homeopathy

Private & Confidential - not for public sales or soliciation

(not covered)

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Optional BestWellness™ plan for Routine Care• Can be added to any plan for

$23.50/month ($282 /year)

• Annual Benefits:− Dog: $505

− Cat: $565

− No deductible or co-pay

• Coverage for wellness exams, vaccines, spay/neuter, dental cleaning, microchip, routine diagnostics

Private & Confidential - not for public sales or soliciation 10

Mabelprotected by Pets Best since 2014

New FREE Introductory BenefitsComing Soon!• One year free specialized coverage when

an employee registers a pet− Accident/injury coverage while pet is

boarded

− Accident/injury coverage while pet travelling in a common carrier

− Boarding coverage if employee is hospitalized

• Quote to upgrade coverage presented during registration process

• No purchase necessary to enroll for free coverage

Private & Confidential - not for public sales or soliciation 11

Carrie & Hanaprotected by Pets Best since 2012

Why Choose Pets Best

No benefit schedules - Up to 100% reimbursement of veterinary bill after deductible is met and up to the benefit maximum listed in your policy

Flexibility -- more plans, co-insurance, and deductible options

Multiple payment options – debit or credit cards, ACH or payroll deduction

Easy, fast enrollment - No vet visit or records required, no upper age limits.

3-5 day claim turn-around, optional claim pre-approval, free direct deposit or vet reimbursement

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BooBooprotected by Pets Best since 2012

Lewis & Clarkprotected by Pets Best

since 2008

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Competitor Comparison

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Top-Notch Customer Care Team

• Customer care representatives measured on call quality and customer satisfaction levels – not on call length or call volume

• Pet-loving staff ; our goal & mission is to help pets and protect pet-owner bond

• We want to ensure your employees are happy

• 2014 Net Promoter Score of 54% − Scores taken from surveys issued to customers

with recent interacting with customer care via phone or live chat.

− Note: Brands/companies operating with NPS of 50-80% have efficient growth rates. Examples: Apple iPad 65%, Netflix 50%, Amazon 69%, Trader Joe’s 63%, Verizon 32%Source: Satmetrix, April 24, 2013

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Enrollment Experience• Can provide co-branded call center, online

enrollment, and email follow-up experience

• Quick and easy enrollment with instant quote and smart pricing algorithms that recommend ideal deductible and copay combinations

• Easiest enrollment process in the industry− No initial vet visit or medical records required

− No upper age limits

− Policy starts the day following enrollment

• Flexible payment options− Debit, credit card or ACH

− Payroll deduction at employer’s option

− Monthly, quarterly, semi-annual or annual payment frequency

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Your Company Name/Logo

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Customer Tools & Resources

• Online customer portal− File claims

− Add Pets

− View claim status

− View policies and claim history

− Refer a friend rewards program

− Sign up for direct deposit

− Update payment information

− Upload pet photos

− Important customer notifications

• Free pet health tips, information, contests, newsletters, etc.

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Fast Claims & Payment

• Fastest claims processing in the industry; most claims processed in one week or less

• Free direct deposit of claims reimbursement

• Electronic claims processing and submission – automatic notifications

• Claim pre-approval (optional)

• Direct veterinary reimbursement (optional) – reduces credit card transaction fees

Private & Confidential - not for public sales or soliciation 17

Craig & Chevyprotected by Pets Best since 2013

Summary• Pets Best has been here serving the needs

of employers since 2005

• We offer the most competitive and comprehensive selection of plans in the industry

• Our enrollment process, service delivery and customer service is first-in-class

• Exclusive discounts for employers, groups and associations

• Broadest range of coverage options in the industry with plans starting at less than $8 per month

• Support multiple contact points –phone, live chat, email, online customer portal, website

• Strong emphasis on customer satisfaction

Private & Confidential - not for public sales or soliciation 18

The Hands Familyprotected by Pets Best since 2014