Underwriting

AMERICAN PET INSURANCE COMPANY

 

a New York Domiciled Stock Company, NAIC #12190
Administrative Office: 6100 4th Ave S. Seattle, WA 98108

 

MAINE

Insurer Disclosure of Important Policy Provisions

Right to Return

You shall have 30 days from the day you receive this policy, certificate or rider to review it and return it to us you decide not to keep it. You do not have to tell the company why you are returning it. If you decide not to keep it, simply return it to us at our administrative office or you may return it to the agent/insurance producer that you bought it from as long as you have not filed a claim. You must return it within 30 days of the day you first received it. We will refund the full amount of any premium paid within 30 days after we receive the returned policy, certificate or rider. The premium will be sent directly to the person who paid it. The policy, certificate or rider will be void as if it had never been issued.

Exclusions

A policy excludes coverage due to any of the following:

  1. A preexisting condition
  2. A chronic condition if manifested prior to coverage

Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Waiting Periods that Apply

1. 14 days following the Policy Effective Date for any Illnesses and any related Conditions.

2. 30 days following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.

3. Once met, these Waiting Periods are waived for continuous, uninterrupted policy renewals, including, at our discretion, uninterrupted policy renewals from other pet insurance providers.

4. The waiting periods may be reduced or waived for coverage acquired through pre-approved channels where the health of your Pet is certified by a participating veterinarian prior to coverage being purchased.


Please refer to your Declaration Page for your Pet’s specific waiting period.

Premiums

If you move, the cost of your policy may change.

Description of Accident and Illness Plan Coverage

 

Annual Policy Limit

Option 1 $2,500 Option 2 $5K Option 3 $10K Option 4 No Annual Limit

Co-Insurance (Us / You):

[50%/50%, 60%/40%, 70%/30%, 80%/20%, or 90%/10% as shown on the policy declarations page]

Annual Deductible per Pet:

[$50 - $2,000 as shown on the policy declarations page]

Supplemental Benefits

 

Office Visits / Exam Fees

Covered or not covered as shown on the declaration page

Take Home Prescription Medications

Covered or not covered as shown on the declaration page

Rehabilitation, Acupuncture, and Chiropractic Care

Covered or not covered as shown on the declaration page

Description of Accident Only Policy

 

Annual Policy Limit

$10,000

Co-Insurance (Us / You):

90%/10%

Annual Deductible per Pet:

$250

Deductible & Coinsurance

DEDUCTIBLE: The Annual amount you pay out-of-pocket for the Actual Cost of Veterinary Treatment for any eligible Condition after the application of your selected Co-Insurance amount.

CO-INSURANCE: This term applies to both parties as described on your declarations page. The larger percentage represents our portion of the Actual Cost of Veterinary Treatment that is paid for any eligible Condition before the application of your chosen Deductible.

Claims Procedures

Payments for Claims are subject to: the terms of the Policy; any coverage limitations; Deductibles; and Coinsurance. We will make all Claims payments directly to you, unless we receive a written notice from you requesting that such payment be made directly to the veterinary provider listed on the Claim. Claim forms can be accessed on-line at the website address below or can be obtained by contacting Pets Best Insurance Services LLC. The most we are obligated to pay for Covered Loss is the lesser of the actual amount incurred for the treatment of an insured Pet, minus Deductible and Coinsurance; or the applicable scheduled Policy maximum benefit. The formula for determining claims reimbursement is as follows: eligible expenses multiplied by reimbursement percentage minus deductible = reimbursement amount.

Definitions

Chronic Condition - A Condition that can be treated or managed, but not cured. This includes, but is not limited to, Cruciate Ligament Event, atopy, renal disease, osteoarthritis, diabetes, inflammatory bowel disease, Cushing’s, heart disease, hyperthyroidism, and hip dysplasia

Pre-existing Condition - This policy excludes coverage for conditions present prior to the policy effective date. This means that any condition for which any of the following are true prior to your policy’s effective date, are not eligible for coverage: (1) a veterinarian provided medical advice; (2) your pet received previous treatment; or (3) based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.

Complaint Resolution

Maine Bureau of Insurance Contact Information:

#34 State House Station
Augusta, ME 04333-0034
1-800-300-5000
https://www.maine.gov/pfr/insurance/home

Pets Best Contact Information:

965 Keller Rd.
Altamonte Springs, FL 32714
1-877-738-7237
https://www.petsbest.com

Edited 11/2022