Questions & answers · Pet insurance
If my pet had symptoms before the policy started but no diagnosis, is it pre-existing?
AI-drafted from filed documents · reviewed: pendingpre-existing conditions
Under American Modern Home Insurance Company’s filed form in Pennsylvania (PA), a condition is considered pre-existing if, prior to the effective date of a pet insurance policy for the pet or during any waiting period, the pet had signs or symptoms directly related to the condition for which a claim is being made, based on information from verifiable sources [1]. This also applies if a veterinarian provided medical advice regarding the pet or the pet received previous treatment [1]. Markel American Insurance Company’s form in Delaware (DE) defines a pre-existing condition similarly: if, prior to the effective date of a pet insurance policy or during a waiting period, the pet had signs or symptoms directly related to the condition for which a claim is being made, based on information from verifiable sources [2]. The form also includes that a veterinarian provided medical advice or the pet received previous treatment [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] American Modern Home Insurance Company · PA · SERFF AMMH-134236935 · p. 1 · THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF THE POLICY.
The definition of Pre-existing Condition(s) is deleted in its entirety and replaced with the following: Preexisting condition. A condition for which any of the following apply regarding a Pet prior to the effective date of a pet insurance policy for the Pet or during any waiting period: a. A Veterinarian provided medical advice regarding the pet. b. The Pet received previous Treatment. c. Based on information from verifiable sources, the Pet had signs or symptoms directly related to the condition for which a Claim is being made.
[2] Markel American Insurance Company · DE · SERFF MRKA-133872610 · p. 1
Pre-existing Condition(s) is deleted and replaced by Preexisting condition: Preexisting condition means a condition for which any of the following are true prior to the effective date of a pet insurance policy or during a waiting period: a. veterinarian provided medical advice; b. the pet received previous treatment; or c. based on information from verifiable sources, the pet had signs or symptoms directly related to the condition for which a claim is being made. Renewal is added: Renewal means to issue and deliver at the end of an insurance policy period a policy that supersedes a policy previously issued and delivered by the same insurer or an affiliated insurer and that provides types and limits of coverage substantially similar to those contained in the policy being superseded. Vet, Veterinarian is deleted and replaced by Vet, Veterinarian: Vet, Veterinarian means an individual who holds a valid license to practice veterinary medicine from the appropriate licensing entity in the jurisdiction in which the individual practices. Waiting period is added: Waiting period means the period of time specified in a pet insurance policy that is required to transpire before some or all of the coverage in the policy begins. II. … (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 Q6a5500e5. Spotted an error? Tell us.