Questions & answers · Pet insurance
What events does American Alternative Insurance Corporation's filed pet insurance policy say it pays for?
AI-drafted from filed documents · reviewed: pendingwhether a specific event is coveredAmerican Alternative Insurance Corporation
American Alternative Insurance Corporation’s filed pet insurance policy in Alabama (AL) states it pays for “reasonable and customary” “covered services” per “covered incident” claim, subject to limits and deductibles, for pets adopted from non-profit animal agencies [1]. The policy covers necessary veterinary medical services incurred for accidental injury or illness affecting the pet [2]. In South Dakota (SD), the policy pays 90% of reasonable and customary expenses for covered accidents or illnesses after the deductible, up to the annual benefit allowance for routine veterinary services and routine prescription medications listed in the attached Routine Care Benefit Allowance [2]. It also pays for boarding kennel fees or advertising and reward expenses related to a covered incident [2]. The full amount after deductible payment, including any amount in excess of the per incident limit, is considered in computing benefits [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 Alternative Insurance Corporation · AL · SERFF CLTR-126531574 · form PH 2005 (09-10) · 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 Corporation · SD · SERFF AMLX-125863953 · 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 Q61bb930c. Spotted an error? Tell us.