Questions & answers · Pet insurance
What events does American Alternative Insurance Corp's filed pet insurance policy say it pays for?
AI-drafted from filed documents · reviewed: pendingwhether a specific event is coveredAmerican Alternative Insurance Corp
American Alternative Insurance Corp’s filed pet insurance policy in Alabama (AL) states it pays for covered expenses related to necessary veterinary medical services incurred for accidental injury or illness affecting the pet [2]. It also pays for boarding kennel fees or advertising and reward costs associated with a covered incident [2]. Benefits are paid for covered incidents subject to the terms and conditions of the policy, including the deductible, per incident limit, and aggregate limit [1]. The policy covers 90% of reasonable and customary expenses for covered accidents or illnesses after the deductible is applied [2]. It also includes payment up to the annual benefit allowance for routine veterinary services and routine prescription medications listed in the attached Routine Care Benefit Allowance [2]. This does not appear in these excerpts — check the full policy for the specific list of routine services and medications.
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 2005 (1-08) · p. 2
BENEFIT PROVISIONS During the “policy period”, “we will pay 100% of “reasonable and customary” “covered services” per “covered incident” claim, subject to the “Covered Incident Limit”, the “Aggregate Limit”, and “your” payment of any applicable deductible. Coverage is with respect to any pet which “you” have adopted from a non-profit animal agency such as a humane society, society of prevention of cruelty to animals, animal control or other adoption agency. Benefits are paid for “covered incidents” subject to the terms and conditions of this policy.
[2] American Alternative Insurance Corp · AL · SERFF FRCS-125755032 · p. 1 · section in
The section of the Policy entitled BENEFIT PROVISIONS is hereby amended by deleting the section in its entirety and replacing it with the following: During each policy period, we will pay 90% of reasonable and customary expenses per a covered accident or illness expense claim, as applied to the amount remaining subsequent to payment of the applicable deductible. We will also pay up to the annual benefit allowance for the routine veterinary services and routine prescription medications listed in the attached Routine Care Benefit Allowance. The full amount after deductible payment, inclusive of any amount in excess of the per incident limit, will be considered in computing the benefits payable. Benefit payments are also subject to the terms, conditions and general exclusions set forth in any endorsements to this Policy. Benefits are paid for covered expenses as defined in this Policy and set forth in the section of the Policy entitled “General Conditions” below, i.e. necessary veterinary medical services incurred for accidental injury or illness affecting your pet, boarding kennel fees or advertising and reward. The section of the Policy entitled DEDUCTIBLE is hereby amended by deleting the section in its entirety and replacing it with the following: A $50.00 deductible shall apply for each covered accident or illness expense during the policy term. … (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 Qb0bf9e6a. Spotted an error? Tell us.