Questions & answers · Pet insurance
How does StarStone National Insurance Company's pet insurance policy handle other insurance covering the same loss?
AI-drafted from filed documents · reviewed: pendingother insurance / coordination of benefitsStarStone National Insurance Company
Under StarStone National Insurance Company’s filed forms, if another insurance policy covers the same loss, the company will not make payments for claims if indemnity is available from that other insurance [2]. This policy will only apply to claim costs after all other valid and collectible insurance has been exhausted [1]. However, exceptions include any additional sum payable over and above such other insurance or any contribution required by law [1]. The policy also states that coverage will not be provided under more than one Pet insurance policy with StarStone during any Policy Period; if multiple policies exist, coverage applies only to the one in force longer [1]. These provisions are consistent across both Alabama (AL) and Connecticut (CT) forms [1][2]. This does not appear in these excerpts — check the full policy for details on how other insurers’ payments are handled beyond the stated exhaustion rule.
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] StarStone National Insurance Company · AL · SERFF TORS-134205132 · form SSN-FSI-PHI-POL-CW 08 23 · p. 6
This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for, except for: 1. Any additional sum that is payable over and above such other insurance; or 2. Any contribution that we are obliged to make by law. M. Dual Coverage. We will not insure your Pet under more than one (1) Pet insurance Policy with us during any Policy Period. If we find that an insured has more than one (1) such Policy with us, coverage will be provided under the Policy that has been in force for the longer period of time. N. Pet Residence Restrictions. Your Pet(s) must reside with you, indoors, at the address listed in the Declarations of this Policy. It is your responsibility to notify us of any change in address. A change in your address may result in a change to coverage availability and rates. O. To the extent any provision of this Policy conflicts with a statute or regulation of the state within which this Policy is issued, that provision shall be deemed amended so as to conform to minimum mandatory requirements of that statute or regulation. P. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the Policy. The action of any authorized representative will be binding. … (excerpt — the filed text continues)
[2] StarStone National Insurance Company · CT · SERFF TORS-133836648 · form SSN-FSI-PHI-POL-CW 08 23 · p. 6
We will not make payments for claims if you are entitled to indemnity or there is available coverage under any other insurance. This Policy will only apply to any claim costs once all other valid and collectible insurance has been exhausted, and then only for, except for: 1. Any additional sum that is payable over and above such other insurance; or 2. Any contribution that we are obliged to make by law. M. Dual Coverage. We will not insure your Pet under more than one (1) Pet insurance Policy with us during any Policy Period. If we find that an insured has more than one (1) such Policy with us, coverage will be provided under the Policy that has been in force for the longer period of time. N. Pet Residence Restrictions. Your Pet(s) must reside with you, indoors, at the address listed in the Declarations of this Policy. It is your responsibility to notify us of any change in address. A change in your address may result in a change to coverage availability and rates. O. To the extent any provision of this Policy conflicts with a statute or regulation of the state within which this Policy is issued, that provision shall be deemed amended so as to conform to minimum mandatory requirements of that statute or regulation. P. Authorized representatives must be added by the Policyholder. Any authorized representative may cancel or change the Policy. … (excerpt — the filed text continues)
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 Qcac10a9b. Spotted an error? Tell us.