Questions & answers · Pet insurance

What happens if my pet is covered by two pet insurance policies?

AI-drafted from filed documents · reviewed: pendingother insurance / coordination of benefits

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. [1] National Casualty Company · GA · SERFF SCTT-129981410 · p. 1 · section is

   MEDICAL PLAN COVERAGE FORM Definition S. of the DEFINITIONS section is replaced by: S. Spouse means your husband or wife who lives with you at the address shown on the Declara- tions Page or Renewal Certificate of your policy. The OTHER INSURANCE section is replaced by: OTHER INSURANCE A. You may have other insurance subject to the same plan, terms, conditions and provisions as the insurance under this policy. If you do, we will pay our share of the covered loss. Our share is the proportion that the applicable policy benefits as listed under 4. Benefit Provi- sions bears to the total applicable policy benefits limits of all valid and collectible insurance against such loss. B. If there is other insurance covering the same loss, other than that described in A. above, we will pay only for the amount of covered loss in excess of the amount due from that other in- surance, whether you can collect on it or not. But we will not pay more than the applicable policy benefit limits. The TERMINATION OF INSURANCE section is replaced by:

2. [2] New Hampshire Insurance Company · OH · SERFF AGDE-131402447 · p. 1 · Declarations Page.

   LIMITS OF LIABILITY Our total limit of liability to You under this policy for all Covered Incidents in a single Policy Period is the Aggregate Limit as set forth on the Declarations Page. OTHER INSURANCE condition is hereby replaced with the following: OTHER INSURANCE 121058 (03/18) When there are two or more insurance policies covering the same property, We will contribute to the payment of the whole or partial loss in proportion to the limit of insurance mentioned in each policy. In no case shall any of the insurers covering the same interest be required to pay more than the amount mentioned in their policy. Paragraph A of the policy entitled LOSS CONDITIONS AND INSURED’S DUTIES is amended by including the following at the end of this section: We will acknowledge receipt of a claim within fifteen (15) days after receiving the notice of loss. We will advise You within twenty one (21) days of the receipt of a properly executed proof of loss if We accept or deny the claim. If more time is needed to investigate the claim We will notify You of the delay within that twenty one (21) day period. … (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 Q2b9d8293. Spotted an error? Tell us.