Notice to Florida Residents
FLORIDA INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS
Effective 01/01/2026
Underwriter, Producer, Brand Information
Insurance is underwritten by Independence American Insurance Company (NAIC #26581. Newcastle, DE). The insurance underwriter is different than the brand name and the agency that markets and sells the products. Insurance plans are marketed and produced by Pumpkin Insurance Services Inc. (NPN#19084749, [1‐866‐273‐6369, Mailing Address: P.O. Box 307, Broadway, NJ 08808-0307]).
Florida Department of Financial Services Contact Information
Florida Department of Financial Services
Division of Consumer Services
200 East Gaines Street
Tallahassee, FL 32399-0322
https://myfloridacfo.com/division/consumers/home
1-877-693-5236
Please read below for important information to help you understand our coverage. Your coverage starts on the effective date listed on the Declarations Page.
Definitions
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 Conditions. “Orthopedic Conditions” means a condition that affects the bones, skeletal muscle, cartilage, tendons, ligaments, or joints. The term includes, but is not limited to, elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and cranial cruciate ligament rupture, but does not include any cancer or metabolic, hemopoietic, or autoimmune disease.
Pet Insurance. “Pet Insurance” means an insurance policy that provides coverage for accidents and for illnesses and diseases of pets. Such insurance reimburses a policyholder for expenses associated with medical advice, diagnosis, care, or treatment provided by a veterinarian, including, but not limited to, the cost of drugs prescribed by the veterinarian.
Pet Insurance Policy or Policy. “Pet Insurance Policy or Policy” includes pet insurance certificates.
Preexisting Condition. "Preexisting Condition" means a condition for which any of the following is true before the effective date of or during a waiting period applicable to a pet insurance policy:
(1) A veterinarian provided medical advice.
(2) The pet received previous treatment.
(3) Based on information from verifiable sources, the pet had signs or symptoms directly related to the condition for which a claim is being made.
A condition for which coverage is afforded on a policy is not deemed to be a preexisting condition on any renewal of the policy.
Renewal. "Renewal" means the issuance and delivery at the end of an insurance policy period of a policy that supersedes the policy previously issued and delivered by the same pet insurer or affiliated pet insurer and that provides types and limits of coverage substantially similar to those contained in the policy being superseded.
Veterinarian. "Veterinarian" means a health care practitioner who is licensed to engage in the practice of veterinary medicine in this state under chapter 474.
Waiting Period. “Waiting Period” means the period of time specified in a pet insurance policy which is required to run before some or all of the coverage in the policy may begin. This period may not be applied to renewals of existing coverage.
Determination of Claim Payouts
Our coverage provides reimbursement up to the applicable annual limit for the actual costs for covered expenses that you incur during the policy period, after subtracting your deductible and applying the reimbursement percentage, listed on the declaration page.
Premium Increases Due to Pet Age and Geographic Location
Insurance plan premiums will increase as the covered pet gets older. Insurance plan premiums may increase or decrease due to the policyholder’s geographic location. We will not reduce coverage or increase premium due to claims history.
Policy Limits
Reimbursement of covered expenses is subject to the annual policy limit you select at enrollment and is listed on your declarations page.
Deductible
We offer a choice of annual deductible options. The annual deductible applies to each policy period. We subtract that deductible amount from the covered expenses before calculating your reimbursement percentage.
Reimbursement Percentage
We offer a choice of reimbursement percentage options. After the deductible is met, you are responsible for your portion of the covered expenses in addition to any amounts not covered by the policy. We then pay our portion of the covered expenses subject to the annual limits.
Policy Exclusions
This policy excludes coverage for pre-existing conditions as defined above and in the policy. Other exclusions may apply. Please refer to the exclusions section of your policy (What is Not Covered) for more information.
Waiting Periods
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:
1. A qualifying exam of your pet by a veterinarian that includes an assessment of all body systems and parts;
2. results of the exam need to be documented at the time of exam on our completed Waiting Period Health Assessment Form;
3. the qualifying exam may occur within 3 days prior to or 7 days after your initial policy effective date; and
4. 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.
PET-FL-Notice-0525-PUMPKIN