CA Insurer Disclosure
For California Residents
Insurer Disclosure of Important Policy Provisions
4Paws Insurance and Accident Only
Please read below for important information to help you understand our coverage. Keep in mind, 4Paws will not decrease coverage or increase premium due to claims history.
We use specific terms in our policy documents and want to make sure you understand how they are used. Following are some common DEFINITIONS:
- Pet insurance – an individual or group insurance policy that provides coverage for veterinary expenses.
- Pre-existing condition – any condition for which a veterinarian provided medical advice, the pet received treatment for, or the pet displayed signs or symptoms consistent with the stated condition prior to the effective date of a pet insurance policy or during any waiting period.
- Reimbursement percentage – co-insurance.
- Veterinarian – an individual who holds a valid license to practice veterinary medicine from the Veterinary Medical Board pursuant to Chapter 11 (commencing with Section 4800) of Division 2 of the Business and Professions Code or other appropriate licensing entity in the jurisdiction in which he or she practices.
- Waiting Period – the period of time specified in a pet insurance policy that is required to transpire before some or all of the coverage in the policy can begin.
Coverage for the following conditions will be EXCLUDED:
- Pre-existing condition: Pre-existing conditions are not covered by our plans. However, a condition will no longer be considered pre-existing if 180 days have passed since the pet’s condition was cured and free from treatment and symptoms.
Other exclusions apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.
Waiting Periods
There are WAITING PERIODS that apply before certain coverages are effective. A 14 day illness waiting period applies to the first policy period. Diagnosis and treatment for ligament and knee conditions are subject to a 14 day waiting period on all policies. Conditions that occur during a waiting period are considered pre-existing.
Policy Limits
Reimbursement of covered expenses is subject to the annual policy limit you select at enrollment and is listed on your declarations page.
Information on Claims, Deductibles, and Reimbursement Percentage
Deductible
We offer a choice of annual deductibles. The annual deductible applies to each policy period. We subtract that deductible amount from the covered expenses before calculating your reimbursement percentage.
Reimbursement Percentage
We offer a choice of reimbursement percentage options. After the deductible is met, you are responsible for your portion of the covered expenses in addition to any amounts not covered by the policy. We then pay our portion of the covered expenses subject to the annual limits.
Determination of Claim Payouts
Our coverage provides reimbursement up to the related annual limit for the actual costs for covered expenses that you incur during the policy period, after subtracting your deductible and applying the reimbursement percentage, listed on the declaration page. Preventive benefits are paid according to the schedule of benefits provided with the policy, if applicable, and are not subject to a deductible or reimbursement percentage. See below for a list of available benefits.
Preventive Care Optional Endorsement
Reimbursements are up to the lower of the amount listed or charged. Some benefits are specific as noted.
Click here to view our preventative care coverage options for dogs.
Click here to view our preventative care coverage options for cats.