Questions & answers · Pet insurance
Which documents does American Modern Home Insurance Company's filed pet insurance policy require for a claim?
AI-drafted from filed documents · reviewed: pendingdocuments needed for a claimAmerican Modern Home Insurance Company
American Modern Home Insurance Company's filed pet insurance policy states that when submitting a claim, the insurer may ask for any medical records from the prior twelve (12) months and all written medical records of the Enrollment Exam that were represented as having taken place when applying for the insurance [1]. To apply for a reduction in the Orthopedic Waiting Period, a Veterinarian must perform an Orthopedic examination on the dog and complete, sign, and date the “Canine Orthopedic Examination Report” form, which the insurer supplies upon request [1]. The insurer may review the results of this report to reduce the Orthopedic Waiting Period for some or all Orthopedic conditions to two (2) days for Accidents, or from the Orthopedic examination date, whichever is later [1]. This does not appear in these excerpts — check the full policy for other required documents.
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] American Modern Home Insurance Company · NH · SERFF AMMH-133819506 · form PAC00 (07/20 01/24) · p. 5
8. You may apply to reduce the Orthopedic Waiting Period by having a Veterinarian perform, atWhen you submit a Claim, we may ask you to provide any medical records from the prior twelve (12) months and all written medical records of the Enrollment Exam that you, when you applied for this insurance, represented as having taken place. If you provide such record, we will process your own expense, an Orthopedic examination on your dog and submitting the resultsClaim, subject to us for review. The Orthopedic examination must occur on or after the Pet Original Start Date for that dogthe terms and the Veterinarian must complete, sign and date the “Canine Orthopedic Examination Report” form based on that Orthopedic examination, which we shall supply upon request. Upon review of the results of the Orthopedic examination, we may reduce the Orthopedic Waiting Period for some or all Orthopedic conditions to two (2) days for Accidents, or from the Orthopedic examination date, whichever is later. Our review of the Canine Orthopedic Examination Report only addresses the length of the Orthopedic Waiting Period. A comprehensive review of your dog’s medical information to determineof this policy provided there are no Pre-existing Conditions is not performed as part of this review and must be requested separately. … (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 Q1db9a594. Spotted an error? Tell us.