Notice to Montana Residents
MONTANA INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS
Underwriter, Producer, Brand Information
Montana Insurance Department Contact Information
Montana Commissioner of Securities and Insurance
840 Helena Ave
Helena, MT 59601
Chronic condition. “Chronic condition” means a condition that can be treated or managed, but not cured.
Congenital anomaly or disorder. “Congenital anomaly or disorder” means a condition that is present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
Hereditary disorder. “Hereditary disorder” means an abnormality that is
genetically transmitted from parent to offspring and may cause illness or disease.
Orthopedic. “Orthopedic” Refers to a condition affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints. Orthopedic includes elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, or ruptured cranial cruciate ligament. Orthopedic does not include a cancer or a metabolic, hemopoietic, or autoimmune disease.
Determination of Claim Payouts
Premium Increases Due to Pet Age and Geographic Location
There are WAITING PERIODS that apply before certain coverages are effective. For accident and illness policies, a 14 day illness coverage waiting period applies to the first policy period. Any Illness, congenital anomaly or disorder, hereditary disorder and orthopedic illness that occur during or before a waiting period are considered pre-existing and excluded from coverage.
You may elect at your cost to pursue a Waiting Period Health Assessment. If you and your pet meet the requirements of the Waiting Period Health Assessment, then the waiting period may be modified. A copy is available online or by calling customer service.
In order for us to modify the waiting period, you must meet each of the following requirements:
- A qualifying exam of your pet by a veterinarian that includes an assessment of all body systems and parts;
- results of the exam need to be documented at the time of exam on our completed Waiting Period Health Assessment Form;
- the qualifying exam may occur within 3 days prior to or 7 days after your initial policy effective date; and
- the Waiting Period Health Assessment form must be provided to us within 30 calendar days of your qualifying exam.
If the Waiting Period Health Assessment requirements are met, the waiting period will be waived to either the policy period effective date or the day after the qualifying exam, whichever is later. This waiver does not alter the pre‐existing conditions exclusion.