MEMBER
TERMS & CONDITIONS
Acute Plus Promotions, LLC
AcutePlus
Equine Membership Program
Palm Beach Equine Clinic
This is not insurance.
OCTOBER 2022
MEMBER TERMS AND CONDITIONS
The Plan will provide the following benefits:
I. Membership Plans
The Plan will provide for each of Your Horses listed on the Horse Ownership Schedule one of
the following:
1. Bronze Medical Care, Surgical and Mortality for horses between one (1) and
eighteen (18) years of age, unless a horse has been a member of any plan level for
at least a minimum of a year then it will be permitted to continue at the Bronze
level through age nineteen (19). (Bronze Plan). The Bronze Plan will credit the
Owner for Medical Care and Surgery(ies) as set-forth on Exhibit A up to an
aggregate annual amount of Five Thousand Dollars ($5,000) for each of Your
Horses listed for the Bronze Plan during the applicable Coverage Period.
2. Silver Medical Care, Surgical and Mortality for horses between one (1) and
eighteen (18) years of age. (Silver Plan). The Silver Plan will credit the Owner
for Medical Care and Surgery(ies) as set-forth on Exhibit A up to an aggregate
annual amount of Five Thousand Dollars ($5,000) for each of Your Horses listed
for the Silver Plan during the applicable Coverage Period. In addition, the Silver
Plan will credit an Owner the lesser of Fifty Thousand Dollars ($50,000) or the
fair market value of each of Your Horses listed for the Silver Plan that dies
during said Coverage Period; provided, however, that (i) any Plan death benefit
shall be excess of any other equine mortality insurance in full force and effect for
such horse at the time of its death; (ii) there shall be a fifty percent (50%)
reduction in death benefit for any horse whose death arises out of or is in any way
whatsoever related to (1) a Chronic Condition or (2) laminitis and (iii) no Plan
death payment will be made that would result in an Owner receiving a double
benefit of any type whatsoever for the death of Your Horse.
3. Gold Medical Care, Surgical and Mortality for horses between one (1) and
eighteen (18) years of age. (Gold Plan). The Gold Plan will credit the Owner for
Medical Care and Surgery(ies) as set-forth on Exhibit A up to an aggregate
annual amount of Seven Thousand Five Hundred Dollars ($7,500) for each of
Your Horses listed for the Gold Plan during the applicable Coverage Period. In
addition, the Gold Plan will credit an Owner the lesser of One Hundred Thousand
Dollars ($100,000) or the fair market value of each of Your Horses listed for the
Gold Plan that dies during said Coverage Period; provided, however, that (i) any
Plan death benefit shall be reduced by and payable after any amount that the
Owner receives from equine mortality insurance or any other benefit plan in full
force and effect for such horse at the time of its death; (ii) there shall be a fifty
percent (50%) reduction in death benefit for any horse whose death arises out of
or is in any way whatsoever related to (1) a Chronic Condition or (2) laminitis
and (iii) no Plan death payment will be made that would result in an Owner
receiving a double benefit of any type whatsoever for the death of Your Horse.
OCTOBER 2022
4. Platinum Medical Care, Surgical and Mortality for horses between one (1) and
eighteen (18) years of age. (Platinum Plan). The Platinum Plan will credit the
Owner for Medical Care and Surgery(ies) as set-forth on Exhibit A up to an
aggregate annual amount of Seven Thousand Five Hundred Dollars ($7,500) for
each of Your Horses listed for the Platinum Plan during the applicable Coverage
Period. In addition, the Platinum Plan will credit an Owner the lesser of One
Hundred Fifty Thousand Dollars ($150,000) or the fair market value of each of
Your Horses listed for the Platinum Plan that dies during said Coverage Period;
provided, however, that (i) any Plan death benefit shall be excess of any other
equine mortality insurance in full force and effect for such horse at the time of its
death; (ii) there shall be a fifty percent (50%) reduction in death benefit for any
horse whose death arises out of or is in any way whatsoever related to (1) a
Chronic Condition or (2) laminitis and (iii) no Plan death payment will be made
that would result in an Owner receiving a double benefit of any type whatsoever
for the death of Your Horse.
II. Membership Plan Benefits
The Bronze, Silver, Gold and Platinum Plans will provide an Owner with the benefits set forth
on Exhibit B. Utilization through the Plan or provided proof of the current status of the
Minimum Routine Benefits, as defined below, is a prerequisite for all Medical Care, Surgical
and mortality credits under the Plan unless a medical waiver issued in writing by a licensed
veterinarian is provided that prohibits adherence to the Minimum Routine Benefits for medical
reasons.
Notwithstanding the foregoing and subject to all other terms and conditions herein, so long as
Your Horse is current on Minimum Routine Benefits as provided by a licensed, In-Network
Veterinarian, or within the past thirteen (13) months Your Horse has received the Minimum
Routine Benefits from any licensed veterinarian that is not an In-Network Veterinarian and
You can provide written proof thereof, Your Horse shall be eligible for Medical Care, Surgical
and mortality credits under the Plan. A Vet Report must be provided before Medical Care,
Surgical and mortality credits can be given.
III. CONSIDERATION EXCHANGE.
In return for receiving the applicable annual Bronze, Silver, Gold or Platinum fee payment for
each of Your Horses listed on the Horse Ownership Schedule, the Plan will credit You as
explained in the below Plan terms, conditions, exclusions and limitations. Any failure to pay the
Plan fee, however invoiced (either monthly or annually) and at the discretion of the Plan
Administrator, may be considered a material breach and Your Horse may become ineligible for
the Plan Benefits as a result of such breach.
IV. DEFINITIONS.
Defined terms are in bold print throughout the Plan for ease of reading.
-3-
A. Accident means a sudden, unpreventable event that causes Injury to Your
Horse(s).
B. Acute Care means providing short-term, usually immediate, Medical Care
arising out of or stemming from an Accident, Illness or Injury to Your Horse.
C. Authorized Permitted Party means a third party authorized by the Owner to
utilize the Plan for a participating horse. Authorization may be granted or
removed via the Plan website or through some other form of written
correspondence (i.e., letter, email).
D. Behavioral Problems means a horse exhibiting abnormal responses to stimuli,
not caused by an underlying medical condition, including, but not limited to,
aggression, anxiety and destructive and/or compulsive behavior.
E. Chronic Conditions means any Injury or Illness that includes Clinical
Symptoms persisting for greater than ninety (90) days anytime in the preceding
twelve (12) months.
F. Clinical Examination means a thorough examination performed by a licensed
and registered veterinarian encompassing all body systems of the horse.
Examination can also be referred to as “full physical, physical consultation, full
examination or veterinary examination.”
G. Clinical Symptoms means any manifested abnormality in or deviation from the
regular healthy state or function of a horse. Symptoms include any abnormality
that is readily detectable by a thorough and complete Clinical Examination.
H. Condition(s) means any manifestations of Clinical Symptoms consistent with a
diagnosis or diagnoses, regardless of the number of incidents or areas of the body
affected.
I. Diagnostic Test(s) means any tests used to determine the overall health of Your
Horse. Diagnostic Tests can be used as a way to detect certain abnormalities.
They can also validate the current health of Your Horse.
J. Hospitalization means charges for boarding Your Horse at a veterinary clinic as
required by a licensed veterinarian for an acute medical condition to deliver
nursing care, to administer Medication to or monitor Your Horse.
K. Illness means sickness, disease and any changes to Your Horse’s normal healthy
state; any condition other than Your Horse’s normal healthy state.
L. Injury(ies) means physical harm or damage to Your Horse arising from normal
activity, competition, or an Accident.
M. In-Network Veterinarian means those veterinarians listed on Exhibit C who are
participating in the AcutePlus program by way of offering the Plans and have an
-4-
administration agreement with the Plan Administrator that is in full force and
effect.
N. Medication means any veterinarian recommended medications prescribed by a
veterinarian and approved by the Food and Drug Administration (“FDA”) for
veterinary use.
O. Medical Care means any Medical Treatment for any Accident, Injury, Illness
as set forth on Exhibit A. Medical Care also includes euthanasia of a horse by
any veterinarian if the horse suffers an Injury or is afflicted with an expressly
painful or debilitating disease that first manifests itself during the Plan Period
and a veterinarian or his/her designee certifies in writing that the suffering of the
horse is incurable and so excessive that immediate destruction is imperative for
humane reasons. The certification must satisfy all the euthanasia guidelines of the
American Association of Equine Practitioners.
P. Medical Treatment means any treatment provided by a veterinarian to treat Your
Horse which is:
1. Set forth on the Member Benefits Schedule;
2. Consistent with symptoms or diagnoses;
3. Appropriate and meets generally accepted veterinary practice standards;
4. Not for the convenience of an Owner, a veterinarian or other provider;
and
5. Consistent with the most appropriate supply or level of services which can
safely be provided to the horse.
Q. Minimum Routine Benefits means an annual physical exam, EEE/WEE/WN
vaccine, tetanus vaccine, flu/rhino vaccine and a Coggins test that must be given
at least annually to Your Horse in order to receive the full benefits of the Plan
unless a medical waiver issued in writing by a licensed veterinarian is provided
that prohibits adherence to these protocols for medical reasons.
R. Out of Network Veterinarian means a licensed veterinarian not listed on Exhibit
C.
S. Owner, You or Your means the owner of Your Horse(s) listed on the Horse
Ownership Schedule including Owners spouse or domestic partner, authorized
lessee as so identified under a written lease agreement, and Authorized
Permitted Parties.
T. Performance Exam includes everything in the Physical Exam and additionally
includes veterinary assessment and recommendations related to the discipline
Your Horse competes in. This may include soundness evaluation, flexion testing
and recommendation for performance related injections, nutrition, training and
other health related options that will benefit an equine athlete.
-5-
U. Physical Exam is a core annual veterinary exam by a licensed veterinarian and
includes evaluation of Your Horse’s heart, lungs and eyes, and general vital
signs.
V. Plan means the Bronze, Silver, Gold or Platinum Membership Plans in which a
Member enrolls on an annual basis and includes all of its terms, conditions,
exclusions and limitations.
W. Plan Administrator means AcutePlus Promotions, LLC, the administrator of the
Plan.
X. Plan Period means for each of Your Horses for which the applicable fee is
timely paid, the time period set-forth on the Horse Ownership Schedule.
Y. Plan Sponsor means Palm Beach Equine Clinic, LLC.
Z. Reasonable and Customary Fees means costs and expenses that are within the
range of usual charges for the same or a similar service or Supplies billed by most
veterinarians in the same geographic location as the treating veterinarian, or
justified by all the attending circumstances, including but not limited to: the time
required to perform the service or procedure, the severity of the Condition(s)
treated, and the complexity of treatment of a particular case.
AA. Supplies means any non-excluded item that is medically required as determined
by a veterinarian that is safe and effective for its intended use and that omission
would adversely affect Your Horse.
BB. Surgery(ies) or Surgical means procedures that treat diseases or Injuries by
operative manual and instrumental treatment.
CC. Traumatic Injury defined as an acute concussive Injury or Accident that
effectively interferes with the normal biomechanics of the horse.
DD. Vaccination(s) means the administration of an industry-recognized commercial
equine vaccine.
EE. Vet Report means the required administrative report provided by the Plan
Administrator to be completed by a licensed veterinarian to document the
information associated with a Medical Care, Surgical or mortality credit under
the Plan.
FF. Your Horse(s) means the horse(s) listed on the Horse Ownership Schedule.
V. CREDITS.
A. Medical Care and Surgical
-6-
In the event Your Horse requires Medical Care and/or Surgery(ies) during the Plan
Period, the Plan will credit You for all Reasonable and Customary Fees including Medication
rendered as part of Acute Care by a licensed veterinarian and Hospitalization up to the
applicable limit of credits set-forth on the Member Credit Schedule. However, any credit for
Medical Care and/or Hospitalization shall be a maximum of 1) eighty percent (80%) if
provided by an In-Network Veterinarian; 2) seventy percent (70%) if provided by an
Out-of-Network Veterinarian and 3) forty percent (40%) for Diagnostic Test(s) including Bone
scan, MRI and CT scan.
B. Equine Mortality
For members enrolling a new horse into one of the Plans, Your Horse must have
received the Minimum Routine Benefits either from an In-Network Veterinarian or Out Of
Network Veterinarian within thirty (30) days prior to the first day of the Plan Period or within
the first thirty (30) days of the Plan Period. For any horse that received its Minimum Routine
Benefits from an Out Of Network Veterinarian before the Plan Period started supporting
documentation of the Minimal Routine Benefits must be provided. You shall be eligible to
receive the equine mortality benefit pursuant to the Member Credit Schedule in the event of the
death of Your Horse resulting from any Accident, Illness or Injury occurring after the first
thirty (30) days of the Plan Period. No new horse enrolled in any Plan shall be eligible for a
mortality benefit during its initial thirty (30) days of a Plan Period (this shall be known as the
“Waiting Period”). Uninterrupted, consecutive renewal Plan Periods are not subject to the
Waiting Period.
It is a condition precedent to any equine mortality benefit, however, that in the event of
the death of Your Horse other than by euthanasia as set forth above that the Plan shall be given
the opportunity at its own expense to arrange for and conduct a postmortem and necropsy
examination of the deceased horse by a veterinarian chosen by the Plan.
VI. EXCLUSIONS – MEDICAL CARE, SURGICAL AND MORTALITY .
Credit requests in any way arising from:
A. Any death, Injury or Illness of Your Horse intentionally caused by You or any
agent of You.
B. Any treatments and/or elective procedures, Vaccinations, cosmetic procedures,
preventive procedures, performance enhancing treatments or procedures, joint
injections, or procedures normally associated with the maintenance of a healthy
animal.
C. Conditions or Behavioral Problems arising from a specific activity if the same
or a similar activity occurred prior to the Coverage Period and displayed the
propensity for the activity to reoccur and cause death, Injury or Illness to Your
Horse.
D. Any diseases (such as internal parasites ) preventable by Vaccination or
deworming.
-7-
E. Any complications of Conditions excluded or limited by this Plan.
F. Abnormalities where Clinical Symptoms were apparent prior to the applicable
Coverage Period. This includes Conditions that are or would be detectable by a
routine physical examination by a licensed veterinarian.
G. Arising from the lack of use and/or implementation of preventive health care
products and/or methods where such products and/or methods would be in
accordance with generally accepted veterinary standards. Preventive healthcare
includes: Vaccinations, deworming, dental care, massage or chiropractic
treatment, regular farrier services, grooming and prudent regular care.
H. Arising from special diets, horse foods, vitamins, supplements, grooming, farrier,
shampoo and bathing (including medicated baths) not at the direction of any
veterinarian.
I. Arising out of nuclear fission, nuclear fusion, or radioactive contamination.
J. Conditions or death (including euthanasia) arising from, or aggravated or
worsened by, any specific activity in which either an In-Network Veterinarian
or Out Of Network Veterinarian has advised You in writing that Your Horse
should cease or suspend such activity for a specific period of time in order to give
Your Horse time to heal and/or recover from such Condition(s)
K. Any experimental or investigational treatments or Medications.
L. Breeding, castration, or postoperative complications associated with any aspect of
breeding or foaling , or any Condition relating to breeding .
M. Diagnostic Tests for Conditions excluded by this Plan or unrelated to Medical
Care. However, Diagnostic Tests for Conditions not excluded by this Plan or
that are related to Medical Care shall be credited as set-forth on Exhibit A.
N. Conditions caused by war or war activities whether war be declared or not, civil
war, martial law, insurrection, revolution, invasion, bombardment, or any use of
military force, usurped power or confiscation, nationalization, or damage of
property by any government, military, or other authority.
O. Feeding or housing.
P. Behavioral Problems, training, therapy or Medications for Behavioral
Problems.
Q. Any Illness or Injury arising from Your decision to not follow any veterinarian’s
advice.
-8-
R. Any Bronze, Silver, Gold or Platinum Membership Plan benefit that arises out of
Your Horse being entered or raced in any claiming, selling, or combination race
at any time during the applicable Plan Period.
S. Any birth defects, developmental conditions, growth conditions, nutritional
conditions, and congenital conditions, including but not limited to, undescended
testicles, umbilical hernia, epilepsy, glaucoma, cataracts, and blindness,
irrespective of whether said defects and conditions are evident or have manifested
themselves prior to the Plan Period.
T. Any intentional destruction of Your Horse other than as provided for in Bronze,
Silver, Gold or Platinum Membership Plan.
U. Chronic Conditions, except for Diagnostic Tests as set-forth on Exhibit A.
VII. GENERAL CONDITIONS.
A. The applicable Plan fee payment for each of Your Horses listed on the Horse
Ownership Schedule is due and payable monthly by credit or debit card through
the Plan website. The Plan Period shall commence upon the payment of the first
month’s fee and shall be for a term of one (1) year, subject to the Members
payment of the Plan fee and all other terms and conditions described herein.
However, the Plan shall only credit for Medical Care and Surgeries arising out
of any Accident, Injury or Illness that first occurs thirty (30) days after the Plan
Period commences. Uninterrupted, consecutive renewal Plan Periods are not
subject to an additional waiting period. In addition, any failure to pay in full the
applicable monthly Plan fee for any of Your Horses listed on the Horse
Ownership Schedule will result in no further Plan benefits of any type whatsoever
for said horse unless the Plan Sponsor, in its sole discretion and upon terms and
conditions acceptable to the Plan Sponsor, agrees to reinstate the applicable Plan
for the horse.
B. You must be the Owner of Your Horse. If an Owner dies, becomes unable to
care for his/her horse(s) or ownership or medical responsibility of Your Horse
passes to another , the Plan will continue without interruption, if, and only if, (i)
the Plan Administrator and Plan Sponsor are notified in writing of the transfer
of ownership (or the owners incapacitation) and are able to verify such prior to
the administration of any additional benefits, and (ii) payment for the Plan is
current. Should payment for the Plan not be current at the time ownership or
medical responsibility for Your Horse changes hands, Your successor may bring
payment current within thirty (30) days from the date of the transfer of ownership
or medical responsibility at which point your successor shall be deemed the
Owner of Your Horse and eligible for all benefits under the Plan. Should your
successor fail to bring the account current within the first thirty (30) days of the
successors ownership of Your Horse, Your Horse will not be eligible for any
benefits under the Plan. Any transfer of ownership or change in ownership
representation or change in medical responsibility that is recognized by the Plan
-9-
Administrator and Plan Sponsor is subject to all other terms and conditions of
this Plan.
C. A horse is covered under this Plan only (i) if it is listed on the Horse Ownership
Schedule, (ii) during the applicable Plan Period for said horse, and (iii) the
applicable monthly Plan fee has been paid for said horse.
D. During the Plan Period you must implement all reasonable means possible in the
care and protection of Your Horse(s), and undertake all necessary means to
protect Your Horse(s) from aggravation and/or recurrence of any Injury, Illness
or disease after onset of any Injury, Illness or disease.
E. A condition precedent to any credit under the Plan is that Your Horse is in sound
health and free from any Illness, disease, lameness, Injury, or disability of any
type whatsoever at the start of the Plan Period.
F. Notice of a credit request for Medical Care and Surgical under this Plan must be
given by You or Your agent to the Plan Administrator as soon as practicable,
but in no event later than thirty (30) days after the Medical Treatment is
rendered.
As a condition precedent to any mortality benefit, you or your agent must have
called, regardless of day or time, the Plan Administrator at 1-855-502-7587. In
the event of unexplained death of Your Horse you must notify the Plan
Administrator within three (3) hours. In the event that euthanasia is required
you must call the Plan Administrator prior to euthanasia, approval
from Plan Administrator is required. Failure to provide this notice may result
in the denial of a mortality benefit.
G. Any credit under the terms and conditions of the Plan will be made either at the
time of service, but not later than ninety (90) days after submission of the request
unless applicable state law provides for a shorter period.
H. In order to process a request for a credit, You must allow the Plan Sponsor or
Plan Administrator to contact any of Your previous veterinarians and provide
the Plan Sponsor or Plan Administrator with the necessary written
authorization to obtain all information and/or documentation the Plan Sponsor or
Plan Administrator may reasonably require. In the event
information/documentation relating to the history of the horse is missing or
incomplete, the request for a credit will not be processed.
I. In the event of any disagreement between You and the Plan Sponsor with regards
to a credit request, the matter will be referred to an independent third-party
veterinarian selected by the Plan Sponsor. This independent third-party
veterinarian’s decision shall be final and binding on all parties.
-10-
J. Every action or proceeding of any type whatsoever against the Plan Sponsor
and/or Plan Administrator for a benefit by virtue of these Terms is absolutely
barred unless commenced within ninety (90) days after the end of the last Plan
Period set forth on the Horse Ownership Schedule unless applicable state law
requires a longer period.
K. The Plan is excess and non-contributory over any other plan or insurance of any
type whatsoever available to Your Horse for any Medical Care that is covered
by both the Plan and any other plan or insurance.
VIII. ADDITIONAL CONDITIONS.
A. Misrepresentation and Fraud. This Plan is null and void if You intentionally or
negligently have concealed or misrepresented any material fact or circumstance of
any type whatsoever concerning this Plan or Your Horse(s). The Plan does not
provide any credits or benefits for any Owner who has concealed or
misrepresented any such material facts or circumstances at any time whatsoever.
The Plan Administrator and/or Plan Sponsor have the right to reject any
membership or benefits should such person or entity have a history of
misrepresentation, fraud, or animal neglect or abuse.
B. State Law/Dispute Resolution. This Plan shall be governed by the laws of the
State of Florida. Any dispute arising out of or related to these Terms shall be
resolved solely via arbitration conducted pursuant to the Commercial Rules of the
American Arbitration Association. Exclusive venue for any hearing or
proceeding shall be in Palm Beach County, Florida. Each Member, Veterinarian,
the Plan Administrator, and Plan Sponsor consents to Palm Beach County as its
sole venue. Entire Contract. This Plan contains the full and complete agreement
between You and the Plan Sponsor.
C. Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW,
THE PLAN SPONSOR AND PLAN ADMINISTRATOR SHALL NOT BE LIABLE
FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, INDIRECT,
PUNITIVE, INCIDENTAL, OR SPECIAL DAMAGES, LOSS OF PROFITS, DATA
OR REVENUES, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR
RELATED TO ONE’S MEMBERSHIP, USE OF THE WEBSITE, OR
MAINTENANCE OF ONE’S PERSONAL INFORMATION.
D. Other Websites. The Plan Administrator’s website may contain links to
third-party websites or services that are not owned or controlled by the Plan
Administrator. The Plan Administrator has no control over, and assumes no
responsibility for, the content, privacy policies, or practices of any third-party
websites or services. Thus, You agree that the Plan Administrator shall not be
responsible or liable, directly or indirectly, for any damage or loss caused or
alleged to be caused by or in connection with use of or reliance on any such
content, goods or services available on or through any such websites or services.
-11-
E. Changes. The Plan Administrator reserves the right, in its sole discretion, to
modify or replace these Terms at any time. If a revision is material, the Plan
Administrator will try to provide at least 30 days’ notice prior to any new terms
taking effect. What constitutes a material change will be determined in the Plan
Administrator’s sole discretion.
-12-
Exhibit A
Membership Credit Schedule
Bronze
Silver
Gold
Platinum
Annual Per Horse
Aggregate Limits of
Liability
$5,000
$5,000
$7,500
$10,000
Annual Per Horse Fee if
Paid Annually
$929
$1,988
$3,516
$5,868
Monthly Per Horse Fee if
Not Paid Annually
$79
$169
$299
$499
Covered Illness / Injuries / Services - Membership Plan Limits per Occurrence up to Annual
Per Horse Aggregate Limits of Liability
Colic - Surgical
$5,000
$5,000
$7,500
$10,000
Colic – Non-Surgical
$2,500
$2,500
$3,750
$5,000
Traumatic Injury
$5,000
$5,000
$7,500
$10,000
Fracture
$5,000
$5,000
$7,500
$10,000
Upper Respiratory
Infection / Pneumonia
$1,250
$1,250
$1,875
$2,500
Lacerations / Abrasions /
Punctures / Wounds
Requiring Sutures
$750
$750
$1,125
$1,500
Subsolar Abscess and
Coffin Bone
Osteomyelitis
$500
$500
$750
$1,000
Acute Onset Laminitis
$750
$750
$1,125
$1,500
-13-
Enteritis / Colitis
$1,000
$1,000
$1,500
$2,000
Choke / Esophageal
Obstruction
$750
$750
$1,500
$2,000
Tendon or Ligament Tear
/ Structural Damage
$1,000
$1,000
$1,500
$2,000
Ophthalmic Injury –
Non-Surgical
$500
$500
$750
$1,000
Ophthalmic Surgery
$1,500
$1,500
$2,250
$3,000
Barn call fees associated
with an approved medical
incident.
$50
$50
$50
$50
Medically Necessary
Diagnostics that are
part of immediate care*
$2,000
$2,000
$3,000
$4,000
* Bone Scan, MRI and CT Scan require pre-approval from Plan Sponsor. The maximum
credit is forty percent (40%) of the actual reasonable and necessary scan charge up to the
maximum diagnostic benefit listed in Schedule A. Credit will be applied to diagnostics
directly related to new Illness, Injury or Accident. . No credit will apply to diagnostics
directly related to imaging of an existing Chronic Condition.
-14-
Exhibit B
Member
Routine
Benefits
Bronze
Platinum
In Network
Veterinarian
Out of
Network
Veterinarian*
Loyalty Points
X
X
1 point per $1
spent; $0.02
per point
redemption
value
N/C
Digital
Records
X
X
N/C
$0
Microchip
X
X
N/C
$0
Physical Exam
1
1
N/C
$95
Performance
Exam
1
N/C
$150
Vaccine –
Flu/Rhino
1
2
N/C
$37
Vaccine
-EEE/WEE/WN/
Vaccine
1
1
N/C
$60
Vaccine -
Tetanus
1
1
N/C
$12
Vaccine – Rabies
1
N/C
$12
Coggins Test
1
1
N/C
$59
Complete Blood
Count
1
N/C
$299
Dental Float
1
N/C
$184
Barn Call Fee for
Routine Care –
Up to $50**
1
4
N/C
$0
* Lesser of actual charge or amount set-forth above.
** Only applies to Barn Calls for Routine Care performed by Plan Sponsor.
OCTOBER 2022
-16-
Exhibit C
In-Network Veterinarians:
1. All veterinarians who are employed by:
Palm Beach Equine Clinic, LLC
13125 Southfields Road
Wellington, FL 33414
(561) 793-1599
2. All veterinarians who offer the AcutePlus program Plans to their customers
and have an executed administration agreement with the Plan Administrator that
is in full force and effect.
Doctors:
Bryan Dubynsky, DVM
Candelaria Chuncho, DVM
Charley McColough, BVetMed, MRCVS
Christina Braun, DVM
Daren Tamplin , DVM
David Priest, DVM
Fernando Marqués, DVM, Diplomate ACVIM, Diplomate ACVSMR
Gary Priest, DVM
Gretchen Syburg, DVM
Hilary Clayton, DVM
Jacqueline Janes, DVM
Janet Greenfield, BVMS, MRCVS, CVA, CERPM
John Cooley, DVM
Jordan Lewis, DVM
Jorge Gomez, MVZ, MS, DACVS
Kathleen Timmins, DVM
Katie Atwood, DVM
Laura Hutton, MVB
Marilyn Connor, DVM, CVC
Meredith Mitchell Hustler, DVM
Natalia Novoa, DVM
Paul Wollenman, DVM
Peter Heidmann, DVM, DACVIM
Richard Wheeler, BVetMed, MRCVS
Robert J. Smith, Jr. , DVM
Robert W. Brusie, DVM, DACVS
Ryan Lukens, DVM, CVMMP
Santiago Demierre, V
Sarah Allendorf, BVM&S, MRCVS
Sarah Puchalski, DVM, DACVR
Scott Swerdlin, DVM, MRCVS
-17-
Selina Watt, DVM
Sidney Chanutin, DVM
Tyler Davis, BVMS, MRCVS
Walker Watt, DVM
Weston Davis, DVM, DACVS
William Patterson, DVM
-18-
Horse Ownership Schedule
Owner
Horse Name
Age
Plan Period
Plan
Fee
Paid
-19-