Important Notice for Policyholders with Trisura Specialty Insurance Company Underwritten Policies
Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.
IMPORTANT NOTICE:
- The insurance policy that you are applying to purchase is being issued by an insurer that is not licensed by the State of California. These companies are called “nonadmitted” or “surplus line” insurers.
- The insurer is not subject to the financial solvency regulation and enforcement that apply to California licensed insurers.
- The insurer does not participate in any of the insurance guarantee funds created by California law. Therefore, these funds will not pay your claims or protect your assets if the insurer becomes insolvent and is unable to make payments as promised.
- The insurer should be licensed either as a foreign insurer in another state in the United States or as a non-United States (alien) insurer. You should ask questions of your insurance agent, broker, or “surplus line” broker or contact the California Department of Insurance at the toll-free number 1-800-927-4357 or internet website www.insurance.ca.gov. Ask whether or not the insurer is licensed as a foreign or non-United States (alien) insurer and for additional information about the insurer. You may also visit the NAIC’s internet website at www.naic.org. The NAIC—the National Association of Insurance Commissioners—is the regulatory support organization created and governed by the chief insurance regulators in the United States.
- Foreign insurers should be licensed by a state in the United States and you may contact that state’s department of insurance to obtain more information about that insurer. You can find a link to each state from this NAIC internet website: https://naic.org/state_web_map.htm
- For non-United States (alien) insurers, the insurer should be licensed by a country outside of the United States and should be on the NAIC’s International Insurers Department (IID) listing of approved nonadmitted non-United States insurers. Ask your agent, broker, or “surplus line” broker to obtain more information about that insurer.
- California maintains a “List of Approved Surplus Line Insurers (LASLI).” Ask your agent or broker if the insurer is on that list, or view that list at the internet website of the California Department of Insurance: www.insurance.ca.gov/01-consumers/120-company/07-lasli/lasli.cfm.
- If you, as the applicant, required that the insurance policy you have purchased be effective immediately, either because existing coverage was going to lapse within two business days or because you were required to have coverage within two business days, and you did not receive this disclosure form and a request for your signature until after coverage became effective, you have the right to cancel this policy within five days of receiving this disclosure. If you cancel coverage, the premium will be prorated and any broker’s fee charged for this insurance will be returned to you.
Exclusions
Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.
CALIFORNIA INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS
Exclusions
Pre-Existing Conditions, as defined under the Definitions section below, are not covered. Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.
Right to Examine and Return
You have thirty (30) days from the day you receive the policy, certificate or rider to review it and return it to the company if you decide not to keep it. You do not have to tell the Company why you are returning it. If you decide not to keep it, simply return it to the company at its administrative office or you may return it to the insurance producer that you bought it from as long as you have not filed a claim. You must return it within 30 days of the day you first received it. The company will refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate or rider. The premium refund will be sent directly to the person who paid it. The policy, certificate or rider will be void as if it had never been issued.
The fastest and easiest way to return your policy is by notifying us in writing through the channel outlined below:
Annual Policy Limit, Annual Deductible, & Co-Insurance
- ANNUAL POLICY LIMIT: The maximum amount that the policy will pay in any Annual term.
- DEDUCTIBLE: The Annual amount you pay out-of-pocket for the Actual Cost of Veterinary Treatment for any eligible Condition after the application of your select Co-Insurance amount.
- CO-INSURANCE: This term applies to both parties as described on your declaration page. The larger percentage represents our portion of the Actual Cost of Veterinary Treatment that is paid for any eligible Condition before the application of your chosen Deductible
Description of Illness and Injuries Plan Coverage
$2,500; $5,000; $10,000; $25,000; $40,000
Co-Insurance30% (70% Reimbursement), 20% (80% Reimbursement), 10% (90% Reimbursement)
Annual Deductible$50-$1,000 (as shown on the policy declaration page)
Supplemental BenefitsThe below supplemental benefits are available for additional premium. Please refer to the policy declaration page to see if your policy includes these supplemental benefits: Office Visits/Exam Fee Coverage, Take Home Prescription Medication Coverage, Rehabilitation, Acupuncture, and Chiropractic Care Coverage
Description of Accident Only Coverage
$10,000
Co-Insurance10% (90% Reimbursement)
Annual Deductible$250
Waiting Periods
- 3 days following the Policy Effective Date for any Injuries and any related Conditions.
- 14 days following the Policy Effective Date for any Illnesses and any related Conditions.
- 6 months following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.
- Once met, these Waiting Periods are waived for continuous, uninterrupted policy renewals, including, at our discretion, uninterrupted policy renewals from other pet insurance providers; however, if you cancel or non-renew your policy in order to add any supplemental benefit (if applicable) or increase your Annual Limit (if applicable) on a new policy, then Waiting Periods will not be waived for that new policy.
- The waiting periods may be reduced or waived for coverage acquired through pre-approved channels where the health of your Pet is certified by a participating veterinarian prior to coverage being purchased.
Please refer to the Declaration Page for your Pet’s specific waiting period.
Changes to Your Premium
- Your premium will NOT change based on your Pet’s individual claims experience.
- Your premium MAY change if your address changes. We require notification within 30 days of an address change.
- Your premium WILL change at renewal as the covered pet gets older.
Determination of Claim Payments
The Company provides coverage to you for the Pet described in the policy and on the policy declaration page for the Actual Cost of Veterinary Treatment for any eligible condition, subject to the terms of the Policy, after the application of the Co-Insurance, minus the Deductible, up to the Annual Limit of the policy.
The formula for determining claims reimbursement is as follows: eligible expenses multiplied by the reimbursement percentage minus the deductible equals the claim payout.
Total eligible expenses
x 90%)Reimbursement percentage
– $250Remaining annual deductible
$830TOTAL REIMBURSEMENT AMOUNT
Routine Care/Routine Care Plus Endorsement
Routine Care/Routine Care Plus is an optional endorsement that may be added to your base pet health insurance policy. Purchase of a routine care endorsement is not a requirement for the purchase of pet insurance. The endorsement is subject to all provisions of your policy that are not in conflict with the provisions of the endorsement.
The endorsement provides reimbursements for preventative care shown below up to the lesser of the Actual Cost of Veterinary Treatment expense provided by a Veterinarian or the following maximum allowable limits.
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.
Complaint Resolution
California Department of Insurance Contact Information
California Department of Insurance300 Capitol Mall Ste 1700Sacramento, CA 95814
Website https://www.insurance.ca.gov/Phone1-800-927-4357
Producer Contact Information
Nibbles Insurance Agency LLC
1606 Headway CIR STE 9070
Austin, TX 78754
CALIFORNIA PRIVACY RIGHTS
If you are a California resident, California Civil Code Section 1798.120 may permit you to “opt out” of the “sale” of your “personal information” to “third parties” (as those terms are defined in the CCPA). Our Privacy Policy describes the limited circumstances in which we may share your information with third parties outside our company. Our Privacy Policy also provides you with certain controls and choices regarding our collection, use, and sharing of your information. Among other rights provided for in our Privacy Policy, you may choose to control targeted advertising from many ad networks and partners; data exchanges; and marketing analytics and digital advertising and marketing service providers.
- If you are a California resident, California Civil Code Sections 1798.100 and 1798.105 permit you to make requests to access categories and specific pieces of personal information about you, as well as to request to delete personal information about you.
- If you are a California resident, California Civil Code Section 1798.83 permits you to request information regarding the disclosure of your personal information by Nibbles PBC to third parties for the third parties’ direct marketing purposes. We take great pride in the relationship of trust we have built with our customers and we are dedicated to treating your personal information with care and respect. Pursuant to California Civil Code Section 1798.83(c)(2), Nibbles PBC does not share personal information with other companies unless a customer elects that we do so. For more information about our privacy and data collection policies, you may wish to review our Privacy Policy.
- To make such a request, please send an email to support@nibbles.com.
- If you are a California resident under the age of 18, and a registered user of any site where this policy is posted, California Business and Professions Code Section 22581 permits you to request and obtain removal of content or information you have publicly posted.
To make such a request, please send an email with a detailed description of the specific content or information to support@nibbles.com.
Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that there may be circumstances in which the law does not require or allow removal even if requested.
