30-Second Version:

[“Let’s explore the ins and outs of pre-existing conditions in pet insurance policies!” – Placed bottom of screen for entire duration of video]

Script/Voice Over

Storyboard/Shot list

Welcome, thanks for joining us today. We’re going to discuss an important aspect of pet insurance: pre-existing conditions. What are pre-existing conditions? Pre-existing conditions are health issues or medical conditions that exist before enrolling in a pet insurance policy. Understanding how pre-existing conditions are handled in pet insurance is very important for pet parents to understand.  So, let’s explore the ins and outs of pre-existing conditions in pet insurance policies!

MC dog is walking up to the vet. Scooter sees pets playing in the waiting room and blushes/holds his head slightly down. He is holding his dog mom’s hand. MC’s face starts out somewhat nervous as the narrator says, “Scooter wants to learn about pre-existing conditions.” As the narrator speaks the next lines the (below) words pop out all around MC. He is looking (left and right) at the words, surprised and getting progressively more excited. KINETIC TEXT:Pre-existing conditions are health issues or medical conditions that exist before enrolling in a pet insurance policy. KINETIC TEXT:You are a good pet parent. Let’s find out more.

(5) Examples of pre-existing conditions include chronic illnesses such as diabetes, kidney disease, or allergies that a fur baby was diagnosed with prior to enrolling in an insurance plan. (6) Injuries such as fractures or ligament tears that occurred before the insurance coverage began would also be considered pre-existing conditions. (7) It’s important for pet owners to disclose any pre-existing conditions when applying for insurance coverage, as these may impact the coverage and benefits provided by the policy.	KINETIC TEXT:Here are a few examples of pre-existing conditions: DiabetesKidney diseaseAllergiesFracturesLigament tears
	Scooter looks back at the camera, excited andcurious. KINETIC TEXT EXAGGERATED:Let’s Learn about Pre-Existing Conditions!

Spot Video –  Optimal Coverage

30-Second Version:

[“Let’s navigate pre-existing conditions for optimal coverage.” – Placed bottom of screen for entire duration of video]

Script/Voice Over

Storyboard/Shot list

Understanding pre-existing conditions is crucial for pet owners considering insurance coverage because it directly impacts the coverage and benefits their pets will receive. Pre-existing conditions refer to any health issues or medical conditions that exist before enrolling in a pet insurance policy. It’s essential for pet owners to have a clear understanding of how pre-existing conditions are defined by insurance providers and how they are addressed in their policy. Knowing whether certain conditions are considered pre-existing can help pet owners make informed decisions when selecting a policy. Additionally, understanding pre-existing conditions can help pet owners manage their expectations regarding coverage limitations and potential out-of-pocket expenses. By having a thorough understanding of pre-existing conditions, pet owners can choose the insurance coverage that best suits their pet’s needs and provides the most comprehensive protection.

Scooter sees a dog in a pet wheelchair and looks sad. He sinks his head a bit lower as the narrator says, “Scooter hopes that the dog in the wheelchair will get the treatment he needs.” As the narrator speaks the next lines the (below) words pop out all around Scooter. He is looking (left and right) at the words, smiling at each one. KINETIC TEXT:Every pet parent can make informed decisions.KINETIC TEXT:Selecting a policy is easy when you understand which treatments and conditions may be excluded from coverage.  .

KINETIC TEXT:Choose the insurance coverage that best suits your pet’s needs. Get the most comprehensive protection. Scooter looks back at the camera, excited and curious. KINETIC TEXT EXAGGERATED:Now We Are Going to Find Out More About Pre-Existing Conditions.

Spot Video – What are Pre-existing Conditions?

30-Second Version:

[“Pre-existing conditions impact coverage and benefits.” – Placed bottom of screen for entire duration of video]

Script/Voice Over

Storyboard/Shot list

Pre-existing conditions in pet insurance refer to health issues that occurred before the start of the pet insurance coverage. These are typically conditions for which the pet showed signs, symptoms, or received treatment before the insurance policy went into effect. (2) Examples of pre-existing conditions include chronic illnesses such as diabetes, kidney disease, or allergies that the pet was diagnosed with prior to enrolling in the insurance plan. (3) Injuries such as fractures or ligament tears that occurred before the insurance coverage began would also be considered pre-existing conditions. It’s important for pet owners to disclose any pre-existing conditions when applying for insurance coverage, as these may impact the coverage and benefits provided by the policy.

Scooter sits next to the toy chest at the vet. He sees Luna for the first time. She nudges a ball toward him, and they start playing.  The narrator says, “Both Scooter and Luna want to feel safe and they want their parents to focus on care, not cost.” As the narrator speaks the next lines the (below) words pop out all around Luna. She is looking (left and right) at the words, surprised and getting progressively more excited. KINETIC TEXT:Pre-existing conditions are no fun. KINETIC TEXT:Pre-existing conditions include chronic illnesses and allergies.

KINETIC TEXT:Fractures or ligament tears are also pre-existing conditions.  Luna and Scooter look back at the camera, smiling and cheering. KINETIC TEXT EXAGGERATED:Now we understand pre-existing conditions!

Spot Video – How Pre-existing Conditions Affect Coverage 

30-Second Version:

[“Always understand the specifics of your policy.” – Placed bottom of screen for entire duration of video]

Script/Voice Over

Storyboard/Shot list

Pre-existing conditions can significantly impact coverage under pet insurance plans, as insurers typically exclude coverage for these conditions and related treatments. When a pet has a pre-existing condition, it means that the condition existed before the insurance policy went into effect. As a result, insurers may choose to exclude coverage for any treatments, medications, or procedures related to that pre-existing condition. (2) Pet owners may be responsible for covering the costs of treating pre-existing conditions out-of-pocket. It’s important to note that what qualifies as a pre-existing condition may vary depending on the insurer’s policies and the specific terms of the insurance plan. What one insurer considers a pre-existing condition, another may not, so it’s essential for pet owners to carefully review the policy terms and disclosures before enrolling their pets. (3) Additionally, some insurers may offer coverage for pre-existing conditions under certain circumstances, such as after a waiting period or with additional coverage options, so it’s crucial for pet owners to understand the specifics of their insurance coverage.

Scooter knocks the ball over Luna’s head. She hobbles to get it, but Scooter barks to let her know he’s got it. He knows she has a pre-existing condition.   Scooter’s face shows he feels bad for Luna as the narrator says, “Scooter is in for just a check-up and vaccines. He knows Luna has a fracture from getting stuck in a tree. He hopes Luna’s mom has good coverage to help her out. ”  As the narrator speaks next lines, the (below) words pop out all around the MCs. Both are looking (left and right) at the words, smiling at each one. KINETIC TEXT:Coverage provides peace of mind.KINETIC TEXT:Not every pre-existing condition is covered. Some pet owners might have to pay for treatments, medications, or procedures. Everyone wants to feel good.Review your policy terms.  Check out the specific pre-existing conditions  that may get coverage!Always understand the specifics of your policy.