Pet Insurance ProgramNovember 4th, 2020
FiledNovember 4th, 2020POLICY WORDINGS Table of Contents I. DEFINITIONS 2 II. INSURING AGREEMENT 2 III. WHAT WE COVER 3 A) VETERINARY SERVICES 4 B) DENTAL COVERAGE – SELECT PLANS 4 C) ALTERNATIVE THERAPIES – SELECT PLANS 5 D) BEHAVIOURAL THERAPIES – SELECT PLANS 5 E) MEDICAL DEVICES – SELECT PLANS 5 F) ANNUAL BENEFITS – GOLD PAW 5 IV. WHAT WE DO NOT COVER 4 V. POLICY SPECIFIC EXCLUSIONS 6 VI. GENERAL CONDITIONS (ALL PLANS) 6 VII. POLICY ADMINISTRATION 8 A) CO-INSURANCE & DEDUCTIBLE 8 B) AGE-BASED DEDUCTIBLE ADJUSTMENTS 8 C) ANNUAL DEDUCTIBLE TABLE 8 D) APPEALS 8 E) APPLICATIONS FOR OLDER PETS 8 F) INSURANCE CONTRACT 8 G) MISREPRESENTATION AND CHANGE IN RISK 8 H) POLICY CANCELLATION 9 I) POLICY CHANGES 9 J) PLAN CHANGES 9 K) TRANSFER OF OWNERSHIP 9 L) CONTINUOUS COVERAGE 9 M) WAITING PERIODS 9 VIII. CLAIMS 8