1 Group Benefit Program offered thru National Business Group (NBG) petinsurance.com/nbg petinsurance.com/nbg (866) *Please note: In order to click on plan specifics and rates please view in slide show mode.

2 TABLE of CONTENTS Company Background Plan Options and Benefits Enrollment Process How to File a Claim VPI Customer Care Employee Benefit Service Team Employee Communications

3 The Nation's #1 Health Insurance Plan for Pets Nation’s largest and oldest provider of health insurance for pets Protecting hundreds of thousands of pets since 1982 Our policies cover thousands of medical problems and conditions related to accidents, emergencies, poisonings and illnesses (including cancer). Low deductible VPI PET INSURANCE

4 California policies are written by Veterinary Pet Insurance. Outside California, policies are written by the National Casualty Company. Majority Ownership: Scottsdale Insurance Co, an A+15 rated company. (subsidiary of Nationwide Enterprises) FINANCIAL STABILITY

5 Plans licensed in all 50 states plus the District of Columbia. Fast claims payment turnaround. Currently processing over 50,000 claims per month Wellness Care: 2-3 business days Medical Claims: 7-10 business days (when medical records are not required) Completely portable. VPI is the only national pet insurance company that is self contained. We write the business Administer the policies Service the policyholder Process the claims COMPETITIVE ADVANTAGES

6 Nine out of 10 veterinarians who recommend a brand of health insurance for pets recommend VPI Pet Insurance. Indemnity product VPI Pet Insurance is not an HMO or PPO Veterinarians control the medical decisions Use any licensed veterinarian anywhere, even when you’re away from home. VETERINARIANS SUPPORT VPI PET INSURANCE

7 Employees enjoy a 5% NBG discount on core policies 10% discount if 2 to 3 pets are enrolled 15% discount if 4 or more pets are enrolled A VOLUNTARY BENEFIT Offering VPI Pet Insurance shows you care about every member of your employees’ families!

8 VPI Pet Insurance Superior Plan VPI Pet Insurance Standard Plan VPI Pet Insurance Avian & Exotic Plan Rates are determined by state, species & age. Click here for rates in your state: (group discount included) CORE PLAN OPTIONS

9 Thousands of medical & injury related conditions are covered Plan pays 90% of the corresponding benefit schedule allowance for eligible expenses Benefits start over if pet is referred to a board certified specialist Click here to view a sample benefit schedule (Superior Plan) Click here to view a sample benefit schedule Low deductible $50 per incident Payment options Direct Bill (Credit Card and/or Auto Debit) *Checks accepted for annual payment option only THE BENEFITS

10 vaccination & routine care coverage Optional coverage that helps pay for regular preventive care for dogs and cats with no deductible! (Only $99 a year or $8.25 per month) Up to $213 in annual benefits available Annual physical exam Vaccinations Heartworm protection Prescription flea control A choice of spaying/neutering, routine teeth cleaning or comprehensive health screen And more… Click here for more details about VRCC Note: Supplemental & Routine Care Endorsement available for Birds.

11 There are two ways to enroll: Visit us Online petinsurance.com/nbg Or Call ENROLLMENT PROCESS

12 UNDERWRITING GUIDELINES All pets 10 years of age and older are required to submit medical records. Owners that disclose medical problems may be asked to submit medical records for potential pre-existing conditions. –A pre-existing condition is an injury or illness contracted, manifested or incurred prior to the policy’s effective date, unless such injury or illness has been cured and there has not been a reoccurrence or manifestation of the injury or illness requiring treatment. Like most insurance policies, we have some exclusions to keep the policy premiums low and affordable and include: –Elective procedures –Hereditary/congenital problems –Pre-existing conditions –Grooming, behavioral problems, pet foods

13 Policyholder receives a pre-printed claim form and can visit any licensed veterinarian. Easy claim filing Policyholder pays the veterinarian and then submits the claim to VPI for reimbursement. Very little paperwork HOW TO FILE A CLAIM

USA-PETS Customer Care Representatives available Monday-Friday: 6am-8pm (Pacific Time) Saturday: 7am-3:30pm (Pacific Time) Interactive Voice Response available 24 hours a day/ 7 days a week Policyholders can… Retrieve claim status Order claim forms Obtain policy information Have general VPI Pet Insurance questions answered CUSTOMER CARE

15 my.petinsurance.com Online customer support available 24 hours a day/ 7 days a week Policyholders can… Download claim forms Have questions answered messages to VPI (rapid response) CUSTOMER CARE

petinsurance.com/nbg “Making the miracles of veterinary medicine affordable” VPI PET INSURANCE