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 Owner’s 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 Member’s
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 owner’s 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
successor’s 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
Silver
Gold
Platinum
In Network
Veterinarian
Out of
Network
Veterinarian*
Loyalty Points
X
X
X
X
1 point per $1
spent; $0.02
per point
redemption
value
N/C
Digital
Records
X
X
X
X
N/C
$0
Microchip
X
X
X
X
N/C
$0
Physical Exam
1
1
1
1
N/C
$95
Performance
Exam
1
N/C
$150
Vaccine –
Flu/Rhino
1
1
2
2
N/C
$37
Vaccine
-EEE/WEE/WN/
Vaccine
1
1
1
1
N/C
$60
Vaccine -
Tetanus
1
1
1
1
N/C
$12
Vaccine – Rabies
1
1
1
N/C
$12
Coggins Test
1
1
1
1
N/C
$59
Complete Blood
Count
1
N/C
$299
Dental Float
1
1
N/C
$184
Barn Call Fee for
Routine Care –
Up to $50**
1
2
3
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-
