Major medical plan

NATIONAL CASUALTY COMPANY Home Office: Madison, WI 53703-2783 A Stock Insurance Company Administrative Office: 8877 N Gainey Center Drive • Scottsdale, AZ 85258 • 1-800-423-7675 DIRECT ALL INQUIRIES AND CLAIMS TO: DVM Insurance Agency: 3060 Saturn Street • Brea, CA 92821-6200 • 1-800-540-2016 • 714-989-0555 VPI® MAJOR MEDICAL PLAN COVERAGE FORM 1. INSURING AGREEMENT We will provide the benefitslisted in the VPI® Major Medical Plan Benefit Schedule in return for your payment of premium when due and compliance with all provisions of this policy. We will pay covered veterinary services expenses that you incur during the policy term for the diagnosis or treatment of your pet’s condition. Benefit payments are subject to all exclusions, limitations, and conditions of this insurance policy. 2.DEFINITIONS We define words or phrases in your policy. We identify these terms with bold typeface. Any veterinary medical terms or phrases not defined in this policy will be interpreted as defined in the most recent edition of Blood D.C., Studdert V.P ., Gay C.C., Saunders Comprehensive Veterinary Dictionary. London, UK: W.B. Saunders. A. Chronic condition means a condition that can be treated ormanaged but not cured. B. Condition means an illness or injury that your pet contracts or incurs.

C. Congenital disorder means an abnormality of a body structure or function that is present at birth, whether apparent or not, that can cause illness or disease. D. Covered veterinary services expenses means expenses for reasonable and necessary veterinary services that are eligible for paymentunder the VPI® Major Medical Plan Benefit Schedule. E. Cured means eliminated and having no effect on the pet so that the pet is fully restored to normal health without any treatment or management. F. Developmental defect means an abnormality of a body structure or function that is a result of faulty development, whether apparent or not, that can cause illness or disease. G. Hereditary disorder,defect, or disease means an abnormality transmitted by gene(s) from parent to offspring, whether apparent or not, that can cause a condition. H. Illness means any condition caused by or associated with sickness or disease. All clinical signs or symptoms of an illness constitute one illness, regardless of the number of affected areas of your pet’s body. I. Incident means an occurrence that causes yourpet’s condition.

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J. Injury means physical damage to part of a pet’s body caused by an unforeseen physical action or force outside the pet’s body. K. Medication means a substance approved by the U.S. Food and Drug Administration (FDA) that is used to treat a condition. L. Pet means the animal identified on the Declarations Page or Renewal Certificate of your policy. M.Pre-existing condition means any condition that began or was contracted, manifested, or incurred before the effective date of your policy, whether or not the condition was discovered, diagnosed, or treated. A condition is not pre-existing if it was cured before the effective date of your policy and there has not been a recurrence or manifestation of the condition for at least six (6) months, unless it isa chronic condition. A chronic condition contracted, manifested, or incurred before the effective date of your policy is a pre-existing condition, whether or not the condition was discovered, diagnosed, or treated. N. Prescribed means: (1) directly provided by or (2) authorized by written instruction of a veterinarian. O. Procedure means a veterinary medical or surgical treatment method or courseof action. P Spouse means your husband, wife, or domestic partner under the law of your state of residence, who lives with . you at the address shown on the Declarations Page or Renewal Certificate of your policy.
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VPI® MAJOR MEDICAL PLAN COVERAGE FORM – PAGE 1

©2008 Veterinary Pet Insurance Company NCCMAJMED09SMPL

Q. Veterinarian means a legally licensed...