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

• 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:

  1. A veterinarian provided medical advice regarding the condition.
  2. Your pet received previous treatment for the condition.
  3. Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.
  4. 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:

1. A comprehensive exam for your pet by a veterinarian.
2. 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.
3. 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

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:

1. Nonadmitted Status: The insurer is not licensed by the State of California and is considered a “nonadmitted” or “surplus line” insurer.
2. Financial Solvency Regulation: The insurer is not subject to financial solvency regulation and enforcement by the California Department of Insurance.
3. 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.
4. 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
5. 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.
6. 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

SUMMARY OF IMPORTANT POLICY PROVISIONS

Definitions

Waiting Periods

Coverage Details

Policyholder Responsibilities

You must take care of your pet and arrange for:

Premiums & Claims Processing

You must take care of your pet and arrange for:

Policy Cancellation

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/
Contact Us: https://nibbles.com/contact/

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