Introduction of New Pet Consultation Service and Product Revisions Starting October 2026

Ippet Insurance Co., Ltd. (Head Office: Koto-ku, Tokyo; Representative Director and President: Atsuko Yasuda; hereinafter "the Company") will introduce a new pet consultation service, "Uchino-ko Video Expert Consultation" (service provided by Pets-All Right Co., Ltd.), effective October 1, 2026. Additionally, on October 2, 2026, the Company will launch the 50% coverage plan for the pet insurance product "Uchino-ko Light" and implement product revisions, including premium adjustments.

Background

Under its corporate mission of "Creating a society where pets and people live together in good health," the Company established the Brand Message "A Lifetime of Love for Our Pets" in fiscal year 2024. To support pet owners by reducing the financial burden of veterinary care for their beloved companion animals and enabling optimal treatment choices, the Company continues to enhance its pet insurance services. As part of this effort, the Company will introduce the new, highly accessible consultation service "Uchino-ko Video Expert Consultation," allowing pet owners to easily consult experts about everyday pet-related concerns.

Regarding product revisions, to realize the Company's mission of "Making pet insurance commonplace," and to meet diverse customer needs by expanding plan and pricing options, the Company will launch the 50% coverage plan for "Uchino-ko Light." At the same time, in response to evolving social conditions for pets, advances in veterinary medicine, rising medical costs due to inflation, and to ensure stable claim payments in the future, the Company will revise certain products, including adjustments to insurance premiums.

Introduction of "Uchino-ko Video Expert Consultation"

Effective October 1, 2026, the "Uchino-ko Video Expert Consultation" service will be newly introduced for all policyholders of the Company's pet insurance. This service allows unlimited free consultations. Policyholders can access the service smoothly at any time by tapping the dedicated banner on their personal account page.

【Service Features】

Point1 Consult anytime, 24/7 via the web

Whether it's an urgent health issue late at night or a minor daily concern, consultations are available anytime, anywhere—simply use your smartphone or computer.

Point2 Support from diverse experts tailored to your concerns

Veterinarians will answer questions about illness and health, while dog trainers and pet nutrition specialists will provide comprehensive advice on training, diet selection, and other everyday issues.

Point3 Accurate advice through video submissions

Symptoms or behaviors that are difficult to describe in words can be clearly communicated to experts by attaching a video, enabling more precise guidance.

Point4 Covers five types of pets

In addition to dogs and cats, the service also supports rabbits, ferrets, and guinea pigs*.

*Hedgehogs, flying squirrels, hamsters, birds, squirrels, mice, lizards, turtles, and other animals covered under the "Uchino-ko Cute" pet insurance are not eligible for this consultation service.

*This service provides "consultations and advice" from veterinary and other experts employed by Pets-All Right Co., Ltd., based on information provided by users. It does not constitute definitive diagnosis or treatment, i.e., "medical practice." Please consult your regular veterinary clinic as needed.

Overview of Product Revisions

The following revisions will apply to all new policies (including renewals) with a coverage start date (policy effective date) on or after October 2, 2026.

Revision Item

Revision Details

Affected Products

1. Launch of the 50% plan for "Uchino-ko Light"

Launch of the 50% coverage plan for "Uchino-ko Light"

"Uchino-ko Light"

2. Premium adjustments

Premium increases for certain dog plans under "Uchino-ko"

"Uchino-ko"

3. Revision of discount system

Change of the current multi-pet discount to a fixed-amount "Multiple Policy Discount"

All products*2

4. Changes to certain policy terms

Revisions to outpatient care provisions, policy termination upon pet death, and clarification and simplification of policy wording

All products*2

*1: Application acceptance dates vary by payment and application method. For bank transfers, applications are accepted starting September 1; for credit card payments, starting September 2. For online applications, acceptance begins September 2 regardless of payment method.

*2: "All products" refers to "Uchino-ko Plus," "Uchino-ko," "Uchino-ko Light," and "Uchino-ko Cute." "Uchino-ko Plus" and "Uchino-ko Cute" are available exclusively through pet shop agents.

Details of Product Revisions

(1) Launch of the 50% Plan for "Uchino-ko Light"

Affected Product

Pet Surgery Cost Insurance "Uchino-ko Light"

While the current "Uchino-ko Light" offers a 90% coverage plan, the new 50% coverage plan will expand customer choice.

• Example Premiums for the 50% Plan

"Uchino-ko Light": Dog Type I, Monthly Payment

*Premiums are uniform for ages 12 and above.

*Premiums may change due to future product revisions or premium reviews.

"Uchino-ko Light": Cat, Monthly Payment

*Premiums are uniform for ages 9 and above.

*Premiums may change due to future product revisions or premium reviews.

• For detailed information on premiums for the "Uchino-ko Light" 50% plan, please click here.

(2) Premium Adjustments

Affected Product

Pet Medical Expense Insurance "Uchino-ko"

This revision will increase premiums for dogs aged 1 and above under the 70% and 50% plans. There will be no changes for policies under the 30% plan or for cats.

• Example Premiums for Revised Plans

"Uchino-ko": Dog Type A, Monthly Payment

*Premiums are uniform for ages 12 and above.

*Premiums may change due to future product revisions or premium reviews.

• For detailed information on revised premiums for "Uchino-ko," please click here.

(3) Revision of Discount System

Affected Product

All products

The current multi-pet discount, which applies a percentage reduction, will be revised to a fixed-amount "Multiple Policy Discount" to make discounts clearer for customers with multiple policies. Existing policies will be transitioned gradually starting with renewals on or after October 2. For new policies, the "Multiple Policy Discount" will apply to policies with coverage start dates on or after October 2. The discount applies from the second policy onward. For a single policy, if multiple policies are held at the time of renewal, the discount will apply starting from that renewal.

• Details of Discount System Revision

Current

Revised

Discount Name

Multi-Pet Discount

Multiple Policy Discount

Discount Amount

2–3% of premium

Annual payment: 600 yen

Monthly payment: 50 yen per month

(4) Changes to Certain Policy Terms and Policy Wording Revisions

Affected Product

All products

To improve customer convenience and clarity, the Company has revised various policy procedures and the "Standard Insurance Terms and Special Provisions." For details, please click here.

1 Changes to outpatient care provisions (including support for online consultations)

In response to evolving veterinary practices, online consultations and prescription refills issued without the pet being present—when appropriately conducted under a veterinarian's instruction—will now be newly covered under outpatient care benefits. This change will apply to all policies, including existing ones, for treatments received on or after October 2, 2026.

*Note: "Uchino-ko Light" does not include outpatient care coverage.

2 Simplified procedures for policy termination upon pet death

When a policy terminates due to the death of the insured pet, policyholders who meet certain conditions may now retroactively terminate the policy as of the date of death, without needing to submit official proof of death. This revised procedure will apply to all claims received on or after October 2, 2026, including for existing policies.

3 Clarification and simplification of policy wording

To improve clarity for customers, the Company has revised and clarified policy terms, including the changes above and primarily provisions related to "definitions of terms."

The Company will continue to protect your lifelong love for your "Uchino-ko" with reliable peace of mind.

Ippet Insurance Co., Ltd.

Company Overview Address: NBF Toyosu Garden Front, 5-6-15 Toyosu, Koto-ku, Tokyo 135-0061 Established: May 2004 Representative: Atsuko Yasuda, Representative Director and President URL: https://www.ipet-ins.com Brand Message: A Lifetime of Love for Our Pets