Questions & answers · Pet insurance
How does American Alternative Insurance Corp's pet insurance policy define a pre-existing condition?
AI-drafted from filed documents · reviewed: pendingpre-existing conditionsAmerican Alternative Insurance Corp
Under American Alternative Insurance Corp’s filed form for Alabama (AL), expenses arising from “pre-existing conditions” are not covered by this policy [1]. A pre-existing condition is defined as any illness or injury present in the pet prior to the effective date of the policy, whether or not it was disclosed in the application [1]. If the applicant represented in the original application that the pet was in good health and free of illness or injury as of the effective date, then any condition existing before that date is considered pre-existing [1]. Alternatively, if a specific pre-existing condition was disclosed and the policy was accepted, the applicant affirms that treatment for such condition will not be covered [1]. This definition applies only to the Alabama (AL) form and may differ in other states [1]. This does not appear in these excerpts — check the full policy.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (2)
[1] American Alternative Insurance Corp · AL · SERFF FRCS-125755032 · form PH 2004 (1-08) · p. 2
GENERAL CONDITIONS Payments for “covered services” are limited to the “Covered Incident Limit” and the “Aggregate Limit” as shown on the Declarations Page. Expenses arising from “pre-existing conditions” are not covered by this policy. In the original “application” for this insurance, “you” have either represented that “your pet” as specified and described in the “application” and/or Declarations Page was in good health and free of illness or injury as of the effective date of this policy, or “you” have disclosed a specific “pre-existing condition” or conditions and by accepting this policy have affirmed “your” understanding that any expenses arising from treatment of such “pre-existing condition(s)” shall not be covered under this policy.
[2] American Alternative Insurance Corp · NE · SERFF FRCS-125813212 · p. 1
Illness 25% max of per incident or $250 max $50 90% $5.00 per pet Hereditary/Chronic (not preexisting) 8wks + Illness 25% max of per incident per policy $20.00 per pet Hereditary/Chronic (not preexisting) 8wks + Illness 100% max of per incident per policy $50.00 per pet Pet Resort Amends the 14 day wait on illness for boarded pets Illness Waiting Period Waives the 14 day wait on illness NA Notes (a, b, c): the Core Policy annual limits include the following supplemental benefits with NO deductible:
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Q6ac352a5. Spotted an error? Tell us.