Questions & answers · Pet insurance
Which documents does Independence American Insurance Company's filed pet insurance policy require for a claim?
AI-drafted from filed documents · reviewed: pendingdocuments needed for a claimIndependence American Insurance Company
Independence American Insurance Company's filed pet insurance policy in California (CA) mentions that claims for conditions with signs or symptoms related to an undiagnosed condition prior to the policy effective date or during any applicable waiting period may be excluded unless medical records or clinical assessment show the current condition is not related [2]. The policy refers to the need for medical records in determining whether a condition is related to a prior undiagnosed condition [2]. However, 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] Independence American Insurance Company · AL · SERFF IADC-130011364 · p. 2
Any undiagnosed condition, which may result in any future conditions exhibiting the same or related signs or symptoms to be considered Pre‐existing Condition(s) unless medical records demonstrate that any such future conditions are not related to the undiagnosed conditions that occurred prior to the pet policy effective date or during any applicable waiting period. D. The Chronic Condition definition is replaced with the following: A condition that can be treated or managed, but not cured including, but not limited to, cruciate ligament tear or rupture, atopy, renal disease, osteoarthritis, diabetes, inflammatory bowel disease, Cushing’s, heart disease, hyperthyroidism, and hip dysplasia. E. When the Policy Declarations Page indicates [Option 1, Option 2 or Option 3], your policy is amended as follows:
[2] Independence American Insurance Company · CA · SERFF IADC-129974527 · p. 4
47. Claims for any condition exhibiting the same or related signs or symptoms that the pet displayed for any undiagnosed condition prior to the pet policy effective date or during any applicable waiting period, unless it is determined through review of the pet’s medical records or other clinical assessment that the current condition is not related. This exclusion applies whether or not the undiagnosed illness (a) was previously assessed or treated by a veterinarian, (b) is in remission when you enrolled, or (c) is currently being or was controlled by medication(s). L. The Fraud Warning is Modified with the following:
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 Q91ecc1d9. Spotted an error? Tell us.