Notice to State Residents

Notice to California Residents

CALIFORNIA INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:

A veterinarian provided medical advice regarding the condition.
Your pet received previous treatment for the condition.
Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.

Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

Accidents or injuries resulting from an unexpected event do not have a waiting period.
For policies underwritten by Trisura Insurance Company & Trisura Specialty Insurance Company, a 14-day waiting period applies to illnesses.
For policies underwritten by Accredited Surety & Casualty Co. Inc., a 15-day waiting period applies to illnesses, behavioral disorders, and most injuries.
A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

A comprehensive exam for your pet by a veterinarian.
Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

If your pet has not had a comprehensive exam within 12 months prior to or 30 days after the original inception date of the policy, you must arrange for one at your own expense. Failure to do so may reduce coverage under the policy.

Premiums & Claims Processing

You must take care of your pet and arrange for:

Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
You must submit a claim form within 180 days of treatment, including:
1. Your name
2. A description of your pet
3. Your policy number
4. A description of the claimed illness or injury

Policy Cancellation

You may cancel this policy at any time by calling, emailing, or writing to us.
The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

California Department of Insurance

Address: 300 Capitol Mall, Suite 1700, Sacramento, CA 95814

Website: www.insurance.ca.gov

Phone: (800) 927-4357

Nibbles PBC

Address: 1606 Headway Cir Ste 9070 Austin, TX 78754

Website: https://nibbles.com/

Toll-Free: 888-267-9970

Important Notice for Policyholders

Trisura Specialty Insurance Company Underwritten Policies (ONLY)

The pet insurance policy underwritten by Trisura Specialty Insurance Company is issued by a nonadmitted (surplus line) insurer. Please read the following carefully:

Nonadmitted Status: The insurer is not licensed by the State of California and is considered a “nonadmitted” or “surplus line” insurer.
Financial Solvency Regulation: The insurer is not subject to financial solvency regulation and enforcement by the California Department of Insurance.
No Guarantee Fund Protection: The insurer does not participate in California insurance guarantee funds. If the insurer becomes insolvent, these funds will not cover claims or protect policyholder assets.
Verifying Licensing Status: You may verify the insurer’s licensing status as a foreign or non-United States (alien) insurer by:

Contacting your insurance agent, broker, or surplus line broker.
Visiting the California Department of Insurance: 1-800-927-4357 or www.insurance.ca.gov
Visiting the National Association of Insurance Commissioners (NAIC): www.naic.org

Foreign Insurers (U.S.-based): If the insurer is a foreign insurer, you may contact the relevant state’s department of insurance. A directory of state departments is available at: 🌐 NAIC State Map.
Right to Cancel for Immediate Coverage Situations:

If you required immediate coverage due to:

An existing policy lapse within two business days
A requirement to secure coverage within two business days but did not receive this disclosure before the policy became effective, you have the right to cancel within five (5) days of receiving this notice. A prorated premium refund will be issued, and any broker’s fee charged for this insurance will be refunded.

Notice to Delaware Residents

DELAWARE INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:

A veterinarian provided medical advice regarding the condition.
Your pet received previous treatment for the condition.
Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.

Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

Accidents or injuries resulting from an unexpected event do not have a waiting period.
For policies underwritten by Trisura Insurance Company & Trisura Specialty Insurance Company, a 14-day waiting period applies to illnesses.
For policies underwritten by Accredited Surety & Casualty Co. Inc., a 15-day waiting period applies to illnesses, behavioral disorders, and most injuries.
A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

A comprehensive exam for your pet by a veterinarian.
Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

Premiums & Claims Processing

You must take care of your pet and arrange for:

Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
You must submit a claim form within 180 days of treatment, including:
1. Your name
2. A description of your pet
3. Your policy number
4. A description of the claimed illness or injury

Policy Cancellation

You may cancel this policy at any time by calling, emailing, or writing to us.
The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

Delaware Insurance Department

Address: 1351 West North Street, Suite 101, Dover, DE 19904

Website: insurance.delaware.gov

Phone: (800) 282-8611

Nibbles PBC

Address: 1606 Headway Cir Ste 9070 Austin, TX 78754

Website: https://nibbles.com/

Toll-Free: 888-267-9970

Notice to Louisiana Residents

LOUISIANA INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:

A veterinarian provided medical advice regarding the condition.
Your pet received previous treatment for the condition.
Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.

Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

Accidents or injuries resulting from an unexpected event do not have a waiting period.
For policies underwritten by Trisura Insurance Company & Trisura Specialty Insurance Company, a 14-day waiting period applies to illnesses.
For policies underwritten by Accredited Surety & Casualty Co. Inc., a 15-day waiting period applies to illnesses, behavioral disorders, and most injuries.
A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

A comprehensive exam for your pet by a veterinarian.
Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

Premiums & Claims Processing

You must take care of your pet and arrange for:

Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
You must submit a claim form within 180 days of treatment, including:
1. Your name
2. A description of your pet
3. Your policy number
4. A description of the claimed illness or injury

Policy Cancellation

You may cancel this policy at any time by calling, emailing, or writing to us.
The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

Louisiana Department of Insurance

Address: P.O. Box 94214, Baton Rouge, LA 70804

Website: www.ldi.la.gov

Phone: (800) 259-5300

Nibbles PBC

Address: 1606 Headway Cir Ste 9070 Austin, TX 78754

Website: https://nibbles.com/

Toll-Free: 888-267-9970

Notice to Maine Residents

MAINE INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:

A veterinarian provided medical advice regarding the condition.
Your pet received previous treatment for the condition.
Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.

Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

Accidents or injuries resulting from an unexpected event do not have a waiting period.
For policies underwritten by Trisura Insurance Company & Trisura Specialty Insurance Company, a 14-day waiting period applies to illnesses.
For policies underwritten by Accredited Surety & Casualty Co. Inc., a 15-day waiting period applies to illnesses, behavioral disorders, and most injuries.
A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

A comprehensive exam for your pet by a veterinarian.
Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

Premiums & Claims Processing

You must take care of your pet and arrange for:

Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
You must submit a claim form within 180 days of treatment, including:
1. Your name
2. A description of your pet
3. Your policy number
4. A description of the claimed illness or injury

Policy Cancellation

You may cancel this policy at any time by calling, emailing, or writing to us.
The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

Maine Bureau of Insurance

Address: 34 State House Station, Augusta, ME 04333

Email: insurance.pfr@maine.gov

Website: www.maine.gov/pfr/insurance/home

Phone: (800)-300-5000

Nibbles PBC

Address: 1606 Headway Cir Ste 9070 Austin, TX 78754

Website: https://nibbles.com/

Toll-Free: 888-267-9970

Notice to Maryland Residents

MARYLAND INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:

A veterinarian provided medical advice regarding the condition.
Your pet received previous treatment for the condition.
Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.

Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

Accidents or injuries resulting from an unexpected event do not have a waiting period.
For policies underwritten by Trisura Insurance Company & Trisura Specialty Insurance Company, a 14-day waiting period applies to illnesses.
For policies underwritten by Accredited Surety & Casualty Co. Inc., a 15-day waiting period applies to illnesses, behavioral disorders, and most injuries.
A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

A comprehensive exam for your pet by a veterinarian.
Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

Premiums & Claims Processing

You must take care of your pet and arrange for:

Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
You must submit a claim form within 180 days of treatment, including:
1. Your name
2. A description of your pet
3. Your policy number
4. A description of the claimed illness or injury

Policy Cancellation

You may cancel this policy at any time by calling, emailing, or writing to us.
The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

Maryland Insurance Administration

Address: 200 St. Paul Place, Suite 2700, Baltimore, MD 21202

Website: www.insurance.maryland.gov

Phone: 1-800-492-6116

Nibbles PBC

Address: 1606 Headway Cir Ste 9070 Austin, TX 78754

Website: https://nibbles.com/

Toll-Free: 888-267-9970

Notice to Massachusetts Residents

Important Notice for Policyholders

Trisura Specialty Insurance Company Underwritten Policies (ONLY)

Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.

You are purchasing insurance directly through our online platform. You have been informed that the required insurance could not be obtained from, or would not be written by, companies licensed or admitted to transact business in the Commonwealth of Massachusetts.

I/We, the policyholder(s), understand that the type and amount of insurance listed below have been obtained from insurers not admitted to transact business in the Commonwealth. I/We further understand:

A. The surplus lines insurer with whom the insurance was placed is not licensed in this state and is not subject to Massachusetts regulations.

B. In the event of the insolvency of the surplus lines insurer, losses will not be paid by the state insurance guaranty fund.

Notice to Minnesota Residents

Important Notice for Policyholders

Trisura Specialty Insurance Company Underwritten Policies (ONLY)

Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.

THIS INSURANCE IS ISSUED PURSUANT TO THE MINNESOTA SURPLUS LINES INSURANCE ACT. THE INSURER IS AN ELIGIBLE SURPLUS LINES INSURER BUT IS NOT OTHERWISE LICENSED BY THE STATE OF MINNESOTA. IN CASE OF INSOLVENCY, PAYMENT OF CLAIMS IS NOT GUARANTEED.

Notice to Mississippi Residents

MISSISSIPPI INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:

A veterinarian provided medical advice regarding the condition.
Your pet received previous treatment for the condition.
Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.

Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

Accidents or injuries resulting from an unexpected event do not have a waiting period.
For policies underwritten by Trisura Insurance Company & Trisura Specialty Insurance Company, a 14-day waiting period applies to illnesses.
For policies underwritten by Accredited Surety & Casualty Co. Inc., a 15-day waiting period applies to illnesses, behavioral disorders, and most injuries.
A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

A comprehensive exam for your pet by a veterinarian.
Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

Premiums & Claims Processing

You must take care of your pet and arrange for:

Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
You must submit a claim form within 180 days of treatment, including:
1. Your name
2. A description of your pet
3. Your policy number
4. A description of the claimed illness or injury

Policy Cancellation

You may cancel this policy at any time by calling, emailing, or writing to us.
The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

Mississippi Insurance Department

Consumer Services Division

Address: P.O. Box 79, Jackson, MS 39205

Website: www.mid.ms.gov

Phone: (800) 562-2957

Nibbles PBC

Address: 1606 Headway Cir Ste 9070 Austin, TX 78754

Website: https://nibbles.com/

Toll-Free: 888-267-9970

Notice to Nebraska Residents

NEBRASKA INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:

A veterinarian provided medical advice regarding the condition.
Your pet received previous treatment for the condition.
Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.

Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

Accidents or injuries resulting from an unexpected event do not have a waiting period.
For policies underwritten by Trisura Insurance Company & Trisura Specialty Insurance Company, a 14-day waiting period applies to illnesses.
For policies underwritten by Accredited Surety & Casualty Co. Inc., a 15-day waiting period applies to illnesses, behavioral disorders, and most injuries.
A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

A comprehensive exam for your pet by a veterinarian.
Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

Premiums & Claims Processing

You must take care of your pet and arrange for:

Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
You must submit a claim form within 180 days of treatment, including:
1. Your name
2. A description of your pet
3. Your policy number
4. A description of the claimed illness or injury

Policy Cancellation

You may cancel this policy at any time by calling, emailing, or writing to us.
The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

Nebraska Department of Insurance

Consumer Services Division

Address: P.O. Box 95087, Lincoln, NE 68509

Website: www.doi.nebraska.gov

Phone: (402) 471-2201

Nibbles PBC

Address: 1606 Headway Cir Ste 9070 Austin, TX 78754

Website: https://nibbles.com/

Toll-Free: 888-267-9970

Notice to New Hampshire Residents

NEW HAMPSHIRE INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:

A veterinarian provided medical advice regarding the condition.
Your pet received previous treatment for the condition.
Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.

Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

Accidents or injuries resulting from an unexpected event do not have a waiting period.
For policies underwritten by Trisura Insurance Company & Trisura Specialty Insurance Company, a 14-day waiting period applies to illnesses.
For policies underwritten by Accredited Surety & Casualty Co. Inc., a 15-day waiting period applies to illnesses, behavioral disorders, and most injuries.
A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

A comprehensive exam for your pet by a veterinarian.
Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

Premiums & Claims Processing

You must take care of your pet and arrange for:

Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
You must submit a claim form within 180 days of treatment, including:
1. Your name
2. A description of your pet
3. Your policy number
4. A description of the claimed illness or injury

Policy Cancellation

You may cancel this policy at any time by calling, emailing, or writing to us.
The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

New Hampshire Insurance Department

Consumer Services Division

Address: 21 South Fruit Street, Suite 14, Concord, NH 03301

Website: www.nh.gov/insurance/consumers</

Phone: (603) 271-2261

Nibbles PBC

Address: 1606 Headway Cir Ste 9070 Austin, TX 78754

Website: https://nibbles.com/

Toll-Free: 888-267-9970

Notice to New York Residents

Important Notice for Policyholders

Trisura Specialty Insurance Company Underwritten Policies (ONLY)

Please review the following disclosure and provide your acknowledgment before completing your purchase. By acknowledging, you are agreeing to the statements below.

Consistent with the requirements of the New York Insurance Law and Regulation 41 you are hereby advised that all or a portion of the required coverages have been placed by Norse Specialty Insurance Services, Inc. with insurers not authorized to do an insurance business in New York and which are not subject to supervision by this State. Placements with unauthorized insurers can only be made under one of the following circumstances: a) A diligent effort was first made to place the required insurance with companies authorized in New York to write coverages of the kind requested; or b) NO diligent effort was required because i) the coverage qualifies as an “Export List” risk, or ii) the insured qualifies as an “Exempt Commercial Purchaser.” Policies issued by such unauthorized insurers may not be subject to all of the regulations of the Superintendent of Financial Services pertaining to policy forms. In the event of insolvency of the unauthorized insurers, losses will not be covered by any New York State security fund.

TOTAL COST FORM (NON TAX ALLOCATED PREMIUM TRANSACTION)

In consideration of placing your insurance as described in the checkout, you agree to pay the total cost which includes all premiums, inspection charges(1) and a service fee that includes taxes, stamping fees, and (if indicated) a fee(1) for compensation in addition to commissions received, and other expenses(1). You further understand and agree that all fees, inspection charges and other expenses denoted by(1) are fully earned from the inception date of the policy and are non-refundable regardless of whether said policy is cancelled. Any policy changes which generate additional premium are subject to additional tax and stamping fee charges.

Notice to Ohio Residents

OHIO INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:

A veterinarian provided medical advice regarding the condition.
Your pet received previous treatment for the condition.
Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.

Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

Accidents or injuries resulting from an unexpected event do not have a waiting period.
For policies underwritten by Trisura Insurance Company & Trisura Specialty Insurance Company, a 14-day waiting period applies to illnesses.
For policies underwritten by Accredited Surety & Casualty Co. Inc., a 15-day waiting period applies to illnesses, behavioral disorders, and most injuries.
A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

A comprehensive exam for your pet by a veterinarian.
Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

Premiums & Claims Processing

You must take care of your pet and arrange for:

Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
You must submit a claim form within 180 days of treatment, including:
1. Your name
2. A description of your pet
3. Your policy number
4. A description of the claimed illness or injury

Policy Cancellation

You may cancel this policy at any time by calling, emailing, or writing to us.
The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

Ohio Department of Insurance

Address: 50 West Town Street, Third Floor, Suite 300, Columbus, OH 43215

Website: www.insurance.ohio.gov/

Phone: 800-686-1526

Nibbles PBC

Address: 1606 Headway Cir Ste 9070 Austin, TX 78754

Website: https://nibbles.com/

Toll-Free: 888-267-9970

Notice to Pennsylvania Residents

PENNSYLVANIA INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:

A veterinarian provided medical advice regarding the condition.
Your pet received previous treatment for the condition.
Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.

Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

Accidents or injuries resulting from an unexpected event do not have a waiting period.
For policies underwritten by Trisura Insurance Company & Trisura Specialty Insurance Company, a 14-day waiting period applies to illnesses.
For policies underwritten by Accredited Surety & Casualty Co. Inc., a 15-day waiting period applies to illnesses, behavioral disorders, and most injuries.
A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

A comprehensive exam for your pet by a veterinarian.
Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

Premiums & Claims Processing

You must take care of your pet and arrange for:

Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
You must submit a claim form within 180 days of treatment, including:
1. Your name
2. A description of your pet
3. Your policy number
4. A description of the claimed illness or injury

Policy Cancellation

You may cancel this policy at any time by calling, emailing, or writing to us.
The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

Pennsylvania Insurance Department

Address: 1326 Strawberry Square, Harrisburg, PA 17120

Website: www.insurance.pa.gov

Phone: 877-881-6388

Nibbles PBC

Address: 1606 Headway Cir Ste 9070 Austin, TX 78754

Website: https://nibbles.com/

Toll-Free: 888-267-9970

Notice to Washington Residents

WASHINGTON INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.

Policy Cancellation & Refunds

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

You have 30 days from the date you receive your policy to review and notify us if you decide not to keep it and want to cancel, provided that you have not submitted a claim.
You are not required to provide a reason for cancellation.
You may notify us that you want to cancel by calling, emailing, or writing to us.
We will refund the full amount of any premium paid within 30 days after receiving your cancellation notice. The refund will be sent to the person who paid it.
If cancellation occurs within 30 days of receiving the policy, the policy will be void as if it had never been issued.

SUMMARY OF IMPORTANT POLICY PROVISIONS

Pre-existing conditions are not covered. Please see the definition of pre-existing conditions below and in your policy forms.
Congenital anomalies or disorders where clinical signs were apparent prior to the effective date of the policy or that became apparent during the waiting period are not covered.
Other exclusions may apply. Please refer to the exclusions section of the policy for more information.

Definitions

Pre-existing Condition – A condition for which any of the following are true prior to the original inception date of a pet insurance policy or during the waiting period:

A veterinarian provided medical advice regarding the condition.
Your pet received previous treatment for the condition.
Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
A condition for which coverage is provided under a policy cannot be considered a pre-existing condition on any renewal of the policy.

Congenital Anomaly or Disorder – Any condition present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
Orthopedic Condition – Conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints, including but not limited to elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments.
Waiting Period – The period of time specified in a pet insurance policy that must transpire before some or all of the coverage in the policy can begin. A waiting period does not apply to renewal of existing coverage.

Waiting Periods

Accidents or injuries resulting from an unexpected event do not have a waiting period.
For policies underwritten by Trisura Insurance Company & Trisura Specialty Insurance Company, a 14-day waiting period applies to illnesses.
For policies underwritten by Accredited Surety & Casualty Co. Inc., a 15-day waiting period applies to illnesses, behavioral disorders, and most injuries.
A 30-day waiting period applies to orthopedic conditions that are not the result of an injury or accident.
Waiting periods will not apply to policy renewals if renewal coverage is continuously maintained with us.
If a medical condition shows clinical signs during the waiting period, it will be considered a pre-existing condition and will not be covered.

Coverage Details

Your policy includes annual limits, an annual deductible, and co-insurance as specified on your declarations page.
Claims are reimbursed for medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to co-insurance, the deductible, and the maximum annual limit as specified on your declarations page.

Policyholder Responsibilities

You must take care of your pet and arrange for:

A comprehensive exam for your pet by a veterinarian.
Any treatment recommended by a veterinarian to prevent illness or injury, including but not limited to annual physical exams, dental exams, or preventative veterinary medications.
Adequate and prudent care of your pet, including preventing any exacerbation or persistence of an injury or illness after an initial occurrence or accident.

Premiums & Claims Processing

You must take care of your pet and arrange for:

Premiums may be increased and coverage may be reduced based on your pet’s individual claim history, geographic location, age, and breed.
You must submit a claim form within 180 days of treatment, including:
1. Your name
2. A description of your pet
3. Your policy number
4. A description of the claimed illness or injury

Policy Cancellation

You may cancel this policy at any time by calling, emailing, or writing to us.
The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner.
We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession.
If you notify us within 30 days of the original inception date and have not submitted a claim, we will refund the entire premium.
After 30 days, we will return the pro rata premium based on the policy termination date.

Other Exclusions May Apply

Please refer to the exclusions section of your policy for more details.

Regulatory & Contact Information

Washington Office of the Insurance Commissioner

Address: 5000 Capitol Blvd., SE, Tumwater, WA 98501

Website: www.insurance.wa.gov

Phone: 800-562-6900

Nibbles PBC

Address: 1606 Headway Cir Ste 9070 Austin, TX 78754

Website: https://nibbles.com/

Toll-Free: 888-267-9970

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