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        <PersonNm>JENNIFER NOCCO</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>DARRYL RAWLINGS</PersonNm>
        <TitleTxt>BOARD MEMEBE</TitleTxt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>KATIE RUDOLPH</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>FRANKLIN SANDERS</PersonNm>
        <TitleTxt>BOARD MEMB</TitleTxt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>DAVE SEFCIK</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>LAUREN TERPENING</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>MICHAEL WALLING</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>STEVE WEINRAUCH</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>KRISTEN LYNCH</PersonNm>
        <TitleTxt>EXECUTIVE DI</TitleTxt>
        <OfficerInd>X</OfficerInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <FormerOfcrEmployeesListedInd>false</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>false</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>false</CompensationFromOtherSrcsInd>
      <ProgramServiceRevenueGrp>
        <Desc>MEMBERSHIP DUES</Desc>
        <TotalRevenueColumnAmt>730255</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>730255</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>730255</TotalProgramServiceRevenueAmt>
      <OtherRevenueMiscGrp>
        <Desc>AVMA SPEC ASSES</Desc>
        <TotalRevenueColumnAmt>390000</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>390000</RelatedOrExemptFuncIncomeAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueMiscGrp>
        <Desc>COMMISSIONS</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>3748</TotalRevenueColumnAmt>
        <UnrelatedBusinessRevenueAmt>3748</UnrelatedBusinessRevenueAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueTotalAmt>393748</OtherRevenueTotalAmt>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>1124003</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1120255</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>3748</UnrelatedBusinessRevenueAmt>
      </TotalRevenueGrp>
      <FeesForServicesManagementGrp>
        <TotalAmt>150000</TotalAmt>
        <ProgramServicesAmt>150000</ProgramServicesAmt>
      </FeesForServicesManagementGrp>
      <FeesForServicesLegalGrp>
        <TotalAmt>374598</TotalAmt>
        <ProgramServicesAmt>374598</ProgramServicesAmt>
      </FeesForServicesLegalGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>3950</TotalAmt>
        <ProgramServicesAmt>3950</ProgramServicesAmt>
      </FeesForServicesAccountingGrp>
      <FeesForServicesLobbyingGrp>
        <TotalAmt>178146</TotalAmt>
        <ProgramServicesAmt>178146</ProgramServicesAmt>
      </FeesForServicesLobbyingGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>35930</TotalAmt>
        <ProgramServicesAmt>35930</ProgramServicesAmt>
      </FeesForServicesOtherGrp>
      <OfficeExpensesGrp>
        <TotalAmt>29011</TotalAmt>
        <ProgramServicesAmt>29011</ProgramServicesAmt>
      </OfficeExpensesGrp>
      <TravelGrp>
        <TotalAmt>29271</TotalAmt>
        <ProgramServicesAmt>29271</ProgramServicesAmt>
      </TravelGrp>
      <InsuranceGrp>
        <TotalAmt>1513</TotalAmt>
        <ProgramServicesAmt>1513</ProgramServicesAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>MARKETING AND COMMUNICAT</Desc>
        <TotalAmt>28381</TotalAmt>
        <ProgramServicesAmt>28381</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>TAXES</Desc>
        <TotalAmt>1797</TotalAmt>
        <ProgramServicesAmt>1797</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>BANK AND OTHER FEES</Desc>
        <TotalAmt>1708</TotalAmt>
        <ProgramServicesAmt>1708</ProgramServicesAmt>
      </OtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>834305</TotalAmt>
        <ProgramServicesAmt>834305</ProgramServicesAmt>
        <ManagementAndGeneralAmt>0</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>146955</BOYAmt>
        <EOYAmt>453697</EOYAmt>
      </CashNonInterestBearingGrp>
      <AccountsReceivableGrp>
        <BOYAmt>880503</BOYAmt>
        <EOYAmt>498316</EOYAmt>
      </AccountsReceivableGrp>
      <PrepaidExpensesDefrdChargesGrp>
        <EOYAmt>6177</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <TotalAssetsGrp>
        <BOYAmt>1027458</BOYAmt>
        <EOYAmt>958190</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>34988</BOYAmt>
        <EOYAmt>72355</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <DeferredRevenueGrp>
        <BOYAmt>970333</BOYAmt>
        <EOYAmt>574000</EOYAmt>
      </DeferredRevenueGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>1005321</BOYAmt>
        <EOYAmt>646355</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
      <RtnEarnEndowmentIncmOthFndsGrp>
        <BOYAmt>22137</BOYAmt>
        <EOYAmt>311835</EOYAmt>
      </RtnEarnEndowmentIncmOthFndsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>22137</BOYAmt>
        <EOYAmt>311835</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>1027458</BOYAmt>
        <EOYAmt>958190</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>289698</ReconcilationRevenueExpnssAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>false</FSAuditedInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleC documentId="RetDoc3">
      <SubstantiallyAllDuesNondedInd>false</SubstantiallyAllDuesNondedInd>
      <OnlyInHouseLobbyingInd>false</OnlyInHouseLobbyingInd>
      <AgreeCarryoverPriorYearInd>false</AgreeCarryoverPriorYearInd>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE C, PART II-A</FormAndLineReferenceDesc>
        <ExplanationTxt>NO LOBBYING EXPENSES PRIOR TO 2021</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleC>
    <IRS990ScheduleF documentId="RetDoc6">
      <GrantRecordsMaintainedInd>false</GrantRecordsMaintainedInd>
      <AccountActivitiesOutsideUSGrp>
        <RegionTxt>NORTH AMERICA</RegionTxt>
        <OfficesCnt>1</OfficesCnt>
        <EmployeeCnt>1</EmployeeCnt>
        <TypeOfActivitiesConductedTxt>PROGRAM ACTIVITIES</TypeOfActivitiesConductedTxt>
        <SpecificServicesProvidedTxt>MANAGMENT FEES</SpecificServicesProvidedTxt>
        <RegionTotalExpendituresAmt>150000</RegionTotalExpendituresAmt>
      </AccountActivitiesOutsideUSGrp>
      <AccountActivitiesOutsideUSGrp>
        <RegionTxt>NORTH AMERICA</RegionTxt>
        <OfficesCnt>1</OfficesCnt>
        <EmployeeCnt>1</EmployeeCnt>
        <TypeOfActivitiesConductedTxt>PROGRAM ACTIVITES</TypeOfActivitiesConductedTxt>
        <SpecificServicesProvidedTxt>SOI REPORT</SpecificServicesProvidedTxt>
        <RegionTotalExpendituresAmt>35930</RegionTotalExpendituresAmt>
      </AccountActivitiesOutsideUSGrp>
      <SubtotalOfficesCnt>2</SubtotalOfficesCnt>
      <SubtotalEmployeesCnt>2</SubtotalEmployeesCnt>
      <TotalOfficeCnt>2</TotalOfficeCnt>
      <TotalEmployeeCnt>2</TotalEmployeeCnt>
      <SubtotalSpentAmt>185930</SubtotalSpentAmt>
      <TotalSpentAmt>185930</TotalSpentAmt>
      <TransferToForeignCorpInd>false</TransferToForeignCorpInd>
      <InterestInForeignTrustInd>false</InterestInForeignTrustInd>
      <ForeignCorpOwnershipInd>false</ForeignCorpOwnershipInd>
      <PassiveForeignInvestmestCoInd>false</PassiveForeignInvestmestCoInd>
      <ForeignPartnershipInd>false</ForeignPartnershipInd>
      <BoycottCountriesInd>false</BoycottCountriesInd>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE F, PAGE 1, PART I, LINE 3</FormAndLineReferenceDesc>
        <ExplanationTxt>NORTH AMERICA 150,000 0 NORTH AMERICA 35,930 0</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleF>
    <IRS990ScheduleL documentId="RetDoc4">
      <BusTrInvolveInterestedPrsnGrp>
        <NameOfInterested>
          <BusinessName>
            <BusinessNameLine1Txt>KIK INNOVATION INC</BusinessNameLine1Txt>
          </BusinessName>
        </NameOfInterested>
        <RelationshipDescriptionTxt>KRISTEN LYNCH</RelationshipDescriptionTxt>
        <TransactionAmt>150000</TransactionAmt>
        <TransactionDesc>KIK INNOVATION INC</TransactionDesc>
        <SharingOfRevenuesInd>false</SharingOfRevenuesInd>
      </BusTrInvolveInterestedPrsnGrp>
      <BusTrInvolveInterestedPrsnGrp>
        <NameOfInterested>
          <BusinessName>
            <BusinessNameLine1Txt>WILLIS CANADA</BusinessNameLine1Txt>
          </BusinessName>
        </NameOfInterested>
        <TransactionAmt>35930</TransactionAmt>
        <TransactionDesc>SOI REPORT</TransactionDesc>
        <SharingOfRevenuesInd>false</SharingOfRevenuesInd>
      </BusTrInvolveInterestedPrsnGrp>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE L, PART V</FormAndLineReferenceDesc>
        <ExplanationTxt>SCH L, PART IV, BUSINESS TRANSATIONS INVOLVING INTERESTED PERSONS: (A) NAME OF PERSON: KIK INNOVATON, INC (B) RELATIONSHIP BETWEEN INTERSTED PERSON AND ORGANIZATION: KRISTEN LYNCH, EXECUTIVE DIRECTOR, IS THE OWNER OF KIK INNOVATION, INC. (D) DESCRIPTION OF TRANSACTION: KIK INNOVATION INC. PROVIDES MANAGMENT SERVICES.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="RetDoc5">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 - ORGANIZATION'S MISSION</FormAndLineReferenceDesc>
        <ExplanationTxt>THE NORTH AMERICAN PET HEALTH INSURANCE ASSOCIATION IS COMMITTED TO EDUCATING AND PROMOTING TO NORTH AMERICAN PET OWNERS, THE GENERAL PUBLIC, AND THE VETERINARY PROFESSION (INCLUDING PET HEALTH RELATED ORGANIZATIONS), ABOUT THE VALUES AND BENEFITS OF PET HEALTH INSURANCE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 3</FormAndLineReferenceDesc>
        <ExplanationTxt>THE EXECUTIVE DIRECTORSHIP IS CONTRACTED TO A COMPANY, NOT AN INDIVIDUAL OR EMPLOYEES. THIS IS AN EX-OFFICIO POSITION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 6</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION IS ORGANIZED ON A NONSTOCK, MEMBERSHIP BASIS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CURRENT PRESIDENT (RICK FAUCHER) AND CURRENT TREASURER (LANE KENT) REVIEW ALL TAX FILINGS PRIOR TO SUBMISSION. A COPY OF THE RETURN IS PRESENTED TO THE GOVERNING BODY AFTER FILING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>PERSONS OR ENTITIES RELATED TO INDUSTRY MEMBERS MAY BE ELIGIBLE FOR INDUSTRY MEMBERSHIP; HOWEVER, TO AVOID ANY CONFLICTS OF INTEREST THEIR MEMBERSHIP AND THE CREATION OF ANY ADDITIONAL POSITIONS ON THE NAPHIA BOARD OF DIRECTORS MUST BE APPROVED BY A MAJORITY VOTE OF THE BOARD OF DIRECTORS. TO AVOID CONFLICTS OF INTEREST, NAPHIA MEMBERS WILL OPERATE AS AN INDEPENDENT PET HEALTH INSURANCE (PHI) FIRM AND DISCLOSING ANY SUBSIDIARIES AND OR ASSUMED NAMES OF OPERATIONS ALSO OPERATING IN THE PHI OR INSURANCE RELATED/RISK MANAGEMENT INDUSTRIES; NOT COLLUDE WITH OTHER NAPHIA MEMBER AGENCIES IN ANTI-COMPETITIVE PRACTICES INCLUDING COLLOABORATIVE PRICING STRATEGIES OR TERRITORY MANAGEMENT PRACTICE; DISCLOSE ALL PRIVATE LABEL PHI PRODUCTS OR PROGRAMS THAT FALL EITHER WITHIN THE MEMBER FIRMS OR ANCILLARY FIRMS (WHETHER THEY ARE NAPHIA MEMBERS OR NOT). ANY CONFLICTS WOULD BE RAISED WITH THE EXECUTIVE AND ADDRESSED IMMEDIATELY, OR IF NOT URGENT, DEALT WITH AT THE NEXT BOARD MEETING. NO SUCH INSTANCES HAVE EVER OCCURRED.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>GOVERNING DOCUMENTS AND FINANCIAL STATMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. CONFLICT OF INTEREST POLICY IS STATED IN MEMBERSHIP AGREEMENTS.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
    <AveragingAttachment documentId="RetDoc1">
      <ExplanationTxt>NO LOBBYING EXPENSES PRIOR TO 2021</ExplanationTxt>
    </AveragingAttachment>
  </ReturnData>
</Return>
