Pets Best ProposalA Guide to offering Pets Best Pet Insurance as a Voluntary

Benefit

*Pet Insurance is underwritten by American Pet Insurance Company. Please visit www.americanpetinsurance.com to review all available pet health insurance products. PP-APIC-V1-092018

To protect ourselves financially against the unexpected, we have health insurance, car insurance, home-owners insurance, etc. Pet insurance is no different! The care available to pets is often on par with human medical care and because of this veterinary costs are on the rise.� Studies show that more than 57%* of employers will offer pet insurance as

a benefit in 2021. � Employers are recognizing that by offering pet insurance they can help

protect their employees’ financial well-being and give them one less thing to worry about.

*Source: Willis Towers Watson Survey

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� 65% of US households own a pet—almost 85 million homes

� 163 million cats and dogs� $69B spent on pets in 2017, with veterinary care

being $16B+� 95% of pet owners view their pets as family

members

Source: American Pet Products Association

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Choose a Plan Get Treatment

File a Claim

Get Reimbursed

It only takes 5 minutes! Simple underwriting, no medical records to

enroll, instant approval, 30-daymoney back guarantee.

When the pet becomes ill or injured, the owner can take them to any

licensed veterinarian of their choice

The client pays their vet and then submits a claim. There is no need to send us medical records unless we

ask for them.

Most claims processed within 5 days for quick reimbursement.

Get reimbursed 70%-90% of the actual vet bill after an annual

deductible.

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We make it easy to offer Pet Insurance � No minimum employee size required to enroll� No fees to the employer� No medical records required to enroll � Online customer management tool � Flexible billing options

– Direct bill or payroll deduction*

� Completely portable upon termination� Preferred employer group pricing

– 5% Group Discount plus another 5% if they have 2+ pets**

*Direct billing will result in a $2 transaction fee to employees. Payroll deduction requires a minimum of 10 employees enroll by the first effective date.** 5% discount applies to BestBenefit plans; available in most states. Additional 5% discount if insuring more than one pet.

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� Pets Best offers pet insurance for fortune 500 companies through leading partner connectivity and technology

� Pet insurance is one of the most requested voluntary benefit; 57%* of employers will offer pet insurance as a benefit in 2021.

� Pet customer demographic – based on Pets Best customer survey:

* Source: Willis Towers Watson

50% have acollege degree

or higher

73% take a walkmore than once

per day

43% travel withpets as much as

possible

50% have combined annual income of $80K

82% of consider themselves a “pet parent”

60% married with no children in the

home

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Nationwide PetPlan Hartville / ASPCA

3-5 Day Claims Processing 9

No Upper Age Limits 9 9 9

Coverage for Exam Fees 9 9 9 9

Online Claims Submission 9 9

Free Direct Deposit Reimbursement 9 9 9

No Exam or Medical Records Required to Enroll 9 9 9

Full Hereditary and Congenital Coverage in allStates 9 9 9

Routine Care Coverage Option 9 9 9

24/7 Pet Help Line 9 9

SAMPLE PRICING FOR EACH COMPANY’S RECOMMENDED PLAN: 2-year old Lab-Mix dog in Louisville, KY

$28.81Elite OptionUnlimited

$250 deductible/yr90% reimbursement

$35.62My Pet Protection

$7,000 annual max$250 deductible/yr90% reimbursement

$42.33

$15,000 annual max$250 deductible/yr80% reimbursement

$41.94

$5,000 annual max$250 deductible

90% reimbursement

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� BestBenefit Plans - most popular

covers both injuries and illnesses– Rated by breed, age and location

� Accident Only Plans* covers accidental injuries only– Dogs $9/month; cats $6/month**

� Optional Wellness rider – coverage for routine care*

can be added to a BestBenefit plan– EssentialWellness - $16/month** - $305 annual benefits– BestWellness - $26/month** - $535 annual benefits

*Note: Discounts do not apply to the accident only and wellness plans. Discounts not available in all states.

**$7/mo. for cats and $10/mo. for dogs in WA. EssentialWellness is $14/month and BestWellness is $30/month in WA.

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Pets Best provides employee facing communications:

� Custom URL – For Quoting and Enrollment

� 2 Custom Emails� Customized Flyer � Dedicated Support

– A Pets Best Senior Account Manager will be available throughout the implementation process.

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PRIVATE & CONFIDENTIAL 11

Questions?Please reach out to

voluntarybenefits@petsbest.com

Appendix Guide � A1 – Plan Options� A2 – BestBenefit Plans � A3 – Wellness Add-On Plans� A4 – Accident Only Plans

PRIVATE & CONFIDENTIAL

PRIVATE & CONFIDENTIAL A1

BestBenefit Accident + Illness Plans

Optional Wellness Add-On Accident Only Plan

BestBenefit plans cover the diagnosis and treatment of

accidents and illnesses.

• Average premium for Dogs:$35/month

• Average premium for Cats:$23/month

Accident + Wellness Plans are the same price regardless of age and breed

Available as an optional rider to the BestBenefit Plan

• BestWellness: $26/month ($30/month in WA)

• Essential Wellness: $16/month ($14/month in WA)

Price varies by plan options selected, location, pet age and breed

Can be purchased as a stand-alone plan

• Accident Only for Dogs: $9/month ($10/month in WA)

• Accident Only for Cats: $6/month ($7/month in WA)

BestBenefit Plans for Comprehensive Accident + Illness Coverage

PRIVATE & CONFIDENTIAL A2

Coverage Essential Plus Elite

Accidents, Illnesses, Cancer, Hereditary Conditions, Emergency Care, Surgeries, + Rx Meds

Accident + Illness Exam Fees

Rehabilitative, Acupuncture, + Chiropractic Coverage

Annual Coverage Limit Options $5K I $10K I Unlimited $5K I $10K I Unlimited $5K I $10K I Unlimited

Deductible Options $50 I $100 I $200 $250 I $500 I $1,000

$50 I $100 I $200 $250 I $500 I $1,000

$50 I $100 I $200 $250 I $500 I $1,000

Reimbursement Levels Options 70% I 80% I 90% 70% I 80% I 90% 70% I 80% I 90%

Main Exclusions: Pre-existing conditions, bilateral conditions, repetitive activity, non-veterinarian expenses, elective/preventative procedures, wellness care (available under wellness), parasites, periodontal/gum disease (limited coverage under APIC)Plans are subject to waiting periods: 3 days for injuries, 14 days for illnesses, 6 months for Cruciate Ligament events

Comprehensive Wellness Add-On Plans

PRIVATE & CONFIDENTIAL A3

Coverage (pays up to the following limits, per year, with no deductible)

EssentialWellness $16/Month*

BestWellness$26/Month*

Spay/Neuter – Teeth Cleaning $0 $150

Rabies $15 $15

Flea/Tick Prevention $50 $65

Heartworm Prevention $30 $30

Vaccination/Titer $30 $40

Wellness Exam $50 $50

Heartworm Test or FELV Screen $25 $30

Blood, Fecal, Parasite Exam $50 $70

Microchip $20 $40

Urinalysis or ERD $15 $25

Deworming $20 $20

Total Annual Benefits $305 $535*Plan pricing varies in Washington State

Accident Only Plans

PRIVATE & CONFIDENTIAL A4

Coverage Dogs$9/Month*

Cats$6/Month

Designed to cover accidents like broken legs, snake bites, accidentally swallowed objects, etc.

Annual Coverage Limit $10,000 $10,000

Deductible $250 $250

Reimbursement Levels 90% 90%

Guarantee Issue: Pets with the following pre-existing conditions are not eligible for illness coverage, but can enroll for Accident Only Coverage: Addison’s Disease, Cushing’s Disease, Diabetes, Cancer, Feline Leukemia or Feline Immunodeficiency VirusMain Exclusions: Pre-existing conditions, bilateral conditions, repetitive activity, non-veterinarian expenses, elective/preventative procedures, wellness care, parasites, periodontal/gum disease (limited coverage under APIC)Plans are subject to waiting periods: 3 days for injuries

MONTHLY RATES - FOR ESTIMATED BI-WEEKLY PAYROLL RATES DIVIDE

RATES SHOWN BY 2

BESTBENEFIT ESSENTIAL

BESTBENEFITPLUS

BESTBENEFITELITE

BestBenefit Plans:Annual Coverage of: $5,000 or UnlimitedDeductibles range from $50-$1,000.Reimbursements include 70%, 80% or 90%

90% Coverage$250 deductible

90% Coverage$250 deductible

90% Coverage$250 deductible

Annual Coverage Limit UNLIMITED UNLIMITED UNLIMITED

Illnesses YES YES YES

Accidents YES YES YESOffice Visit and Exam Fees(excludes routine exams) NO YES YESRehabilitative, Acupuncture and Chiropractic Coverage NO NO YESCANINE: MIXED BREED OF ANY KIND, AGE 3 (7 0 % OF DOGS INSURED WITH PETS BEST ARE MIXED BREED)

Florida $23.34 $27.22 $28.49

Minnesota $19.45 $22.69 $23.74

FELINE: DOMESTIC MEDIUM HAIR, AGE 5

Florida $16.14 $18.83 $19.70

Minnesota $13.67 $15.94 $16.68

Routine Care/Wellness PlansOptional Add-On Coverage, Not sold Stand-AloneNo deductible

EssentialWellness: $16 per month (WA State $14)Provides $305 of annual benefitsBestWellness: $26 per month (WA State $30)provides $535 of annual benefits

Schedule of benefits for wellness care such as: vaccines, spay/neuter, flea prevention, etc.

Accident Only Plan$10,000 Annual Coverage Limit$250 Annual Deductible; 90% Reimbursement

$6/month for cats (WA state $7/month)$9/month for dogs (WA state $10/month)

Sample rates are based on popular zip codes in the referenced state. Rates will vary on zip code, age and breed of pet. Sample rates are base rates, a 5% group discount + 5% multi-pet discount will apply in most states.