If you’re like us you probably have a furry friend. There’s nothing better than a dog or cat to be by your your side—whether it’s licks after a long day at work, a companion to join you on your walk around the park or a fuzzy and happy face to wake up to every morning. However, like us our animals can fall victim to the unexpected in life, which makes us ask the question: is your pet covered?
If not, why not consider pet accident and illness coverage? Secured Insurance Group now offers coverage for your pets in select cases resulting from accidents or illness!
Accident Benefits
Your policy reimburses actual costs for covered expenses related to the diagnosis and
treatment of injuries resulting from an accident up to the annual limit noted on your
declarations page.
Eligible accident expenses include:
- End of life expenses
- Intravenous (IV) fluids and medications
- Medical supplies (such as but not limited to bandages, casts and splints)
- MRI or CT scans and X-rays
- Poison control consultation fees
- Prescription food to treat a covered condition; not for general health
maintenance, or prevention, even if prescribed or dispensed by a veterinarian - Prescription medications prescribed by a veterinarian and approved by the Food
and Drug Administration (FDA) - Stem cell therapy
- Supplements to treat a covered condition; not for general health maintenance, or
prevention even if prescribed or dispensed by a veterinarian - Surgery and hospitalization
- Tooth extractions
- Veterinary Treatment, including examinations, consultations and laboratory tests
Illness Benefits
Your policy also reimburses actual costs for covered expenses related to the diagnosis
and treatment of illnesses, up to the applicable limits, exclusions and limitations.
Eligible illness expenses are:
- Expenses listed above under accident benefits when applicable to illness
- Cancer treatments (including but not limited to chemotherapy and radiation
treatment) - Treatment for behavioral problems if performed by a veterinarian or through a
written referral by a veterinarian to an Applied Animal Behaviorist, Certified
Applied Animal Behaviorist (CAAB), Associate Certified Applied Animal
Behaviorist (ACAAB) or Diplomat of the American College of Veterinary
Behaviorists (Dip ACVB) - Dietary supplements, including vitamins and nutraceuticals, manufactured
and labeled with ingredient analysis that are recommended by Your Veterinarian in the treatment of Illnesses and Injuries covered by this policy and not for routine or preventive care
Policy Cancellation
Money Back Guarantee
If you provide notice, in accordance with the When You Cancel provision below, that
you wish to cancel within the first 30 days from each policy period effective date, we will
refund the premium paid if no covered expenses have been applied to your deductible
or reimbursed.
If you submitted a claim during this time period, we will refund any premium in
accordance with the When You Cancel section below.
When You Cancel
You must contact us via email, telephone or in writing to advise us of the future date
when this policy is to cancel. You can send written notification by email, fax or by mail.
We will refund any premium that you have already paid for any period after your last
date of coverage.
When We Cancel
When cancellation is for nonpayment of premium, at least 10 days’ written notice of
cancellation accompanied by the reason therefor shall be given to the insured.
When such cancellation or termination occurs during the first 90 days during which the
insurance is in force and the insurance is canceled or terminated for reasons other than
nonpayment of premium, at least 20 days’ written notice of cancellation or termination
accompanied by the reason therefor shall be given except where there has been a
material misstatement or misrepresentation or failure to comply with the underwriting
requirements established by the insurer
After the policy has been in effect for 90 days, no such policy shall be canceled by the
insurer except when there has been a material misstatement, a nonpayment of
premium, a failure to comply with underwriting requirements established by the insurer
within 90 days of the date of effectuation of coverage, or a substantial change in the risk
covered by the policy or when the cancellation is for all insureds under such policies for
a given class of insureds. This subsection does not apply to individually rated risks
having a policy term of less than 90 days.
