Questions & answers · Pet insurance
How does New Hampshire Insurance Company's pet insurance policy define a pre-existing condition?
AI-drafted from filed documents · reviewed: pendingpre-existing conditionsNew Hampshire Insurance Company
Under New Hampshire Insurance Company's filed form for Vermont (VT), a pre-existing condition is defined as any illness, condition requiring medical treatment, or injury affecting the pet that manifests prior to the inception date of the policy [1]. This definition applies to both the STANDARD PLAN and PREMIER PLAN. In Alabama (AL), the policy states that expenses arising from pre-existing conditions are not covered, and the policyholder affirms understanding that any such expenses will not be covered if disclosed or represented in the application [2]. The form also notes that if a pet is transferred to another policy with higher benefits, the maximum benefit for a covered service related to a previously noted illness or injury is restricted to the maximum benefit under the policy during the period when the illness or injury was first noted, diagnosed, or treated [2]. 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] New Hampshire Insurance Company · VT · SERFF AGDE-131459477 · p. 1 · Definition Q.
Reasonable & Necessary Definition Q. Pre-Existing Condition in the STANDARD PLAN and Definition Q. Pre-Existing Condition in the PREMIER PLAN are deleted in their entirety and replaced by the following: Pre-Existing Condition: Any illness, condition requiring medical treatment or injury affecting Your Pet that manifests prior to the inception date of this policy. Definition K. Lost in the EMERGENCY PLAN is amended by including the following at the end of the definition: You may contact a Veterinarian, an animal welfare agency or a registration agency to make notice that Your Pet has been Lost.
[2] New Hampshire Insurance Company · AL · SERFF AGDE-130408599 · p. 4 · Declarations Page.
C. 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 the policy, or You have disclosed a specific Pre-Existing Condition(s). By accepting this policy, You have affirmed Your understanding that any expenses arising from treatment of such Pre- Existing Condition(s) will not be covered under this policy. D. In the event You opt to transfer, and We approve of such a transfer of Your Pet to another policy with Us with higher benefits, the maximum benefit payable with respect to a Covered Service will be restricted to the maximum benefit payable under the policy that applied during the period in which such illness(es) or injury was first noted, diagnosed, or treated. If the level of benefits is lowered, the lower maximum benefits shall apply. The addition of any new pet(s) or endorsements/riders to an active policy shall result in a 15 day waiting period before that coverage becomes effective. E. Conformity to State Statutes – When this policy’s provisions are in conflict with the statutes of the state in which this policy is issued, the provisions are amended to conform to such statutes.
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 Q92976c9f. Spotted an error? Tell us.