Questions & answers · Pet insurance
What written exclusions in New Hampshire Insurance Company's pet insurance policy can lead to a denied claim?
AI-drafted from filed documents · reviewed: pendingcommon reasons a claim is deniedNew Hampshire Insurance Company
Under New Hampshire Insurance Company’s filed form in Alabama (AL), expenses arising from Pre-Existing Conditions are not covered [1]. These are conditions that were present, diagnosed, or treated before the policy’s effective date, as represented or disclosed in the original application [1]. If a pet’s illness or injury was first noted, diagnosed, or treated during a prior policy period, the maximum benefit payable for a Covered Service is restricted to the maximum benefit payable under the policy that applied during the period in which such illness or injury was first noted, diagnosed, or treated [1]. This restriction applies if the pet is transferred to another policy with higher benefits [1]. The addition of any new pet(s) or endorsements/riders to an active policy results in a 15 day waiting period before that coverage becomes effective [1]. 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 (1)
[1] New Hampshire Insurance Company · AL · SERFF AGDE-130408599 · p. 4 · Declarations Page.
C. Expenses arising from Pre-Existing Conditions are not covered by this policy. In the original Application for this insurance, You have either represented that Your Pet as specified and described in the Application and/or Declarations Page was in good health and free of illness or injury as of the effective date of the policy, or You have disclosed a specific Pre-Existing Condition(s). By accepting this policy, You have affirmed Your understanding that any expenses arising from treatment of such Pre- Existing Condition(s) will not be covered under this policy. D. In the event You opt to transfer, and We approve of such a transfer of Your Pet to another policy with Us with higher benefits, the maximum benefit payable with respect to a Covered Service will be restricted to the maximum benefit payable under the policy that applied during the period in which such illness(es) or injury was first noted, diagnosed, or treated. If the level of benefits is lowered, the lower maximum benefits shall apply. The addition of any new pet(s) or endorsements/riders to an active policy shall result in a 15 day waiting period before that coverage becomes effective. E. Conformity to State Statutes – When this policy’s provisions are in conflict with the statutes of the state in which this policy is issued, the provisions are amended to conform to such statutes.
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 Qa8e191e6. Spotted an error? Tell us.