How It Works

Part of Loving is Protecting

In the unfortunate event that your pet becomes ill or is hurt you will need to take them to your veterinarian. Your veterinarian is a highly skilled expert who has access to all the latest medical developments to work to bring your pet back to health. However this expertise comes with a cost attached (see accompanying table). Pet insurance offers pet owners a method of budgeting for the unexpected through a series of affordable monthly payments.

Examples of common veterinary treatments
and typical costs are as follows:
Dog / Cat	Accident / Illness	Amount
Dog	Motor Vehicle Accident	$4,890.00
Dog/Cat	Ingestion of Foreign Body	$4,280.00
Dog	Cancer Treatments	$3,577.97
Dog	Bladder Infection	$2,768.00
Dog	Hip Dysplasia	$2,394.72
Cat	Fractured Leg	$2,309.00
Cat	Pneumonia	$1,900.00
Cat	Diabetes	$1,748.00

How H-E-B Max Pet Insurance Works

Pets aged 8 weeks and older may enroll

Cats and dogs over the age of 8 weeks may enroll into the H-E-B Max Pet Insurance Programs. Dogs 8+ years of age (6 for select breeds) and cats 10+ years of age are restricted to an illness deductibles of $300 or more.

80% Coverage

H-E-B Max Pet Insurance pays 80% of veterinary bills related to the treatment of an accident or illness. You pay the first 20% and the deductible, we pay the rest! Simply submit a completed claim form along with receipts and invoices that have been paid in full from your veterinarian for quick reimbursement.

What is covered?

H-E-B Max Pet Insurance offers coverage for the diagnosis and treatment of all accidents and all illnesses, including hereditary conditions.

Coverage includes, as necessary and up to coverage limits:	The treatments may be administered by any licensed veterinarian in North America including:
Ultrasounds X-rays CAT scans MRIs Blood work Surgery Hospitalization Prescription medication Chemotherapy	Traditional veterinarians Specialists Alternative therapists Chiropractic veterinarians

These programs provide real value for real people and their pets.

No physical exam required

Accident coverage commences next day at 12:01 AM the morning after your enrollment application is approved. Illness coverage commences 14 days following enrollment. Submission of your pet's complete medical records at the time of enrollment will speed up the processing of any future claims.

Annual check-up and vaccinations required

An annual examination and adherence to the vaccination recommendations of your veterinarian are a condition of your continued H-E-B Max Pet Insurance coverage.

Pre-existing Conditions Excluded from Coverage

Coverage will not be extended for existing conditions, injuries, medical conditions and symptoms of concern that were evident prior to enrollment or which occur during the 14 day waiting period for illness coverage. Exclusions may be temporary or permanent in nature.

No Annual Maximum Benefit Restrictions

There are no maximum annual benefit restrictions, you may choose when and how you use your benefits based on your veterinarian's treatment recommendations for your pet. The H-E-B Max programs have lifetime coverage limits of $10,000 for accidents and $10,000 for illnesses, should you elect to purchase the accident & illness program.

Guaranteed acceptance

All cats and dogs over the age of 8 weeks may enroll, and are guaranteed acceptance into one of the H-E-B Max Pet Insurance Programs. Dogs 8+ years of age (6 for select breeds) and cats 10+ years of age are restricted to an illness deductibles of $300 or more.

Fixed Premiums & Deductibles

The H-E-B Max Pet Insurance Programs are annual policies that have been filed and approved on a state by state basis, premiums and deductibles are fixed for each annual period.

Automatic Policy Renewal

The H-E-B Pet Insurance Programs renew automatically provided that the premium payments are kept up to date. You may cancel your policy at any time as described in the policy Terms and Conditions.

Monthly or Annual Premium Payment

Your premiums may be paid on a monthly or annual basis. In the event that you choose to pay on a monthly basis a $2.00 pay plan fee will be added to your monthly billing.

Exclusions

Chinese Shar-pei and Shar-pei cross-breeds are eligible for accident coverage only.
If Adult Onset Demodex (After Age Five) has been noted, treated or diagnosed, prior to the inception of your policy, or within the thirty day waiting period for illness coverage, no illness coverage is available under any of our programs. Accident coverage is still available.
If Feline Immunodeficiency Virus (FIV) and/or Feline Leukemia Virus (FELV) has been noted, treated or diagnosed, prior to the inception of your policy, or within the thirty day waiting period for illness coverage, no illness coverage is available under any of our programs. Accident coverage is still available.

• One in three pets will need emergency veterinary treatment every year.

• Two out of every three pets will experience a significant health problem during their lifetime.