Hello! It is I, Baar. Baar has been feeling itchy lately so Emily and Joe took him to the vet. Baar did not want to get on the flat thing with numbers that would tell how much Baar weights. Emily and Joe tried to get Baar to go there with treats but him said noooo, not Baar! Him is soo smart.

Baar was very good for him's check up and Dr. Thompson of http://www.thefamilypetclinic.com/ said him would find out why Baar is feeling itchy.

Emily and Joe decided that Baar needs health insurance. Emily said it won't cover him's rash because that already happened, but it will be there just in case him gets sick or hurt at the park. Baar does not think him will get sick or hurt though. Baar is very healthy and smart!

January 17, 2007
Emily XXXX
RE: Pet's Name BAAR
Policy No: XXXXXX

Dear Emily XXXX:

Thank you for applying for a XXX for BAAR. We are pleased to inform you that the review of your application has been completed. The policy packet will be sent once payment has been received and accepted. Please refer to your policy regarding the effective date of your pet's coverage and other important information about your rights, duties and coverage limitations.The application has been reviewed and approved.

The following medical condition(s) fall within the EXCLUSIONS section of your policy.2305 otitis externa and *1322 atopic dermatitis*

Condition that will be permanently excluded from coverageYou may request a review of a temporary exclusion only when a claim for any condition is submitted. Be sure to write "exclusion review" on your claim form and submit along with the medical records that include the doctor's notes and detailed exams with the results of all tests performed during the past year. Note: for any exclusion to be eligible for review, the condition must be deemed cured and not likely to require additional monitoring or treatment.