Questions & answers · Pet insurance
What does Deerfield Insurance Company's pet insurance policy say about cancelling and getting a refund?
AI-drafted from filed documents · reviewed: pendingcancellation and refundsDeerfield Insurance Company
Under Deerfield Insurance Company's filed form in Delaware (DE), if you cancel the policy for any reason not covered by the Free Look Period, a portion of the premium paid will be refunded on a pro-rata minus 10% basis for the premium portion of your bill [1]. If you cancel within 30 days of the coverage effective date and have not submitted a claim, the full premium will be refunded during the Free Look Period [1]. If you cancel after submitting a claim or after the 30-day Free Look Period, the refund is calculated on a pro-rata minus 10% basis [1]. This does not appear in these excerpts — check the full policy for details on how the pro-rata calculation is applied.
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 (1)
[1] Deerfield Insurance Company · DE · SERFF MRKB-125519675 · form MPH100 - WP (03/07) · p. 5
If you cancel the policy, for any reason not stated in Section B, Free Look Period, we will refund you a portion of the premium paid in accordance on a pro-rata minus 10% basis for the premium portion of your bill. 8. Misrepresentation and Fraud: This policy may be voided if you have concealed or misrepresented any material fact or circumstance concerning this insurance or the animal(s) covered; or in case of fraud or attempted fraud by you concerning any matter relating to this insurance or the animal(s) covered. B. ‘Free Look’ Period: When you receive the policy documents, if you are not satisfied with the policy, return it to us within 30 days of the coverage effective date. We will then cancel your insurance and refund your premium in full, as long as you have not submitted a claim. If you cancel the policy after submitting a claim, or 30 days from the inception date, we will refund you a portion of the premium paid in accordance on a pro- rata minus 10% basis for the premium portion of your bill. VIII. CLAIMS CONDITIONS: 1. In the event you incur a loss you must do the following things: - Notify us by filing a completed claim form with us as soon as practicable and not later than 180 days after the first date of treatment. Claims filed 181 days after the first date of treatment will be denied. … (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 Qc9166fd6. Spotted an error? Tell us.