Critical Illness Insurance
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Yes. Irrespective of whether the critical illness policy was enrolled via the Pet Insurance Lapse Protection, it remains an independent and standalone policy. Consequently, claims under the critical illness policy may be submitted separately, subject to the policy terms and conditions.
No. According to the terms and conditions of the critical illness policy, any critical illness or early-stage critical illness whose signs or symptoms first manifest during the waiting period following the policy effective date is excluded from coverage. Similarly, any critical illness surgery or early-stage critical illness surgery where the underlying cause or trigger first occurs during the waiting period is also excluded. Since a successful claim cannot be paid under these circumstances, the premium waiver clause will not apply.
Yes. The pet policy premium waiver covers both the basic plan premium and the premiums for any additional rider (such as the Additional Critical Illness Cash Benefit / Additional Advanced Critical Illness Cash Benefit, or the Feline Infectious Peritonitis (FIP) Additional Coverage).
If you pay your premium annually: We will refund the premium you have already paid for the eligible policy's current coverage period. If you pay your premium monthly: We will refund the monthly premium you have already paid for that current month, and waive all remaining monthly premium payments for the rest of the eligible policy's current coverage period.
