Questions & answers · Pet insurance
Which documents does StarStone National Insurance Company's filed pet insurance policy require for a claim?
AI-drafted from filed documents · reviewed: pendingdocuments needed for a claimStarStone National Insurance Company
Under StarStone National Insurance Company’s filed form for Maine (ME), the policy requires submission of medical records for the pet when filing a claim, particularly if the FurShur card is used for payment [1]. The form also states that claims must be submitted via the app for processing [1]. For Alabama (AL), the policy requires documentation evidencing treatment of Periodontal Disease and related conditions if the pet is not free from signs of the disease as of the policy effective date or after any applicable waiting period [2]. For traumatic dental fractures not caused by prior inappropriate chewing behavior, documentation of the trauma and treatment may be required [2]. For certain dental conditions like deciduous teeth or enamel hypoplasia, documentation may be needed to confirm the pet was enrolled before 6 months old and had no prior signs [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] StarStone National Insurance Company · ME · SERFF TORS-134078378 · p. 1
If the policyholder signed up for FurShur card, in order for payment to be processed using the card, the policyholder must submit the required medical records for the pet, wait any applicable waiting periods, and submit the claim via the app. If approved, funds will be added to the card and policyholder can apply the payment directly at the vet. SSN-FSI-PHI-PHN-ME 08 23 WAITING PERIOD There is a fourteen (14) day waiting period beginning on the effective date of this policy during which we will not cover illness of your pet. There is a one hundred-eighty (180) days waiting period following the policy effective date for any cruciate ligament events and any related conditions. There is a one hundred-eighty (180) days waiting period following the occurrence of a curable condition if the condition does not recur during the 180 days. Waiting periods do not apply to conditions resulting from accidents. Conditions that occur during the waiting period are excluded from this policy as preexisting conditions. The waiting period will not apply to any renewal of this policy if continuous coverage is maintained. The waiting period may be waived upon completion of a complete medical examination, at your expense, by a veterinarian after the purchase of this policy. … (excerpt — the filed text continues)
[2] StarStone National Insurance Company · AL · SERFF TORS-134205132 · form SSN-FSI-PHI-POL-CW 08 23 · p. 2
If your Pet is not free from signs of Periodontal Disease as of the Policy Effective Date or expiration of any applicable Waiting Period shown in the Declarations of this Policy, Periodontal Disease Coverage will not be available until you provide us documentation evidencing that the existing Periodontal Disease has been treated as well as Conditions related to or resulting from the Periodontal Disease or treatment for the Periodontal Disease. 2. Traumatic Dental Fractures. Endodontic treatment for canine and carnassial teeth and extractions for all teeth due to traumatic dental fractures and other oral traumas if the fractures or trauma are not caused by repetitive inappropriate chewing behavior that presented prior to the Policy Effective Date or the expiration of any applicable Waiting Period shown in the Declarations of this Policy. 3. Deciduous Teeth, Dentigerous Cysts, Enamel Hypoplasia and Uninterrupted Teeth. Extractions for these Conditions are covered if your Pet enrolled prior to becoming 6 months old and there are no signs or symptoms of these Conditions prior to the Policy Effective Date or the expiration of any applicable Waiting Period shown in the Declarations of this Policy. … (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 Q89065485. Spotted an error? Tell us.