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HEALTHY
Healthy Paws Pet Insurance Terms and Conditions
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Contents
Electronic Disclosure and Consent
Healthy Paws Pet Insurance LLC ( “ Healthy Paws, ” “ we, ” “ us, ” “ our ” ) and ACE american Insurance Company, a Chubb Company, and its affiliate insurers in the Chubb Group ( jointly, “ Chubb ” or “ us ” ) are providing you with the choice to apply for pet indemnity electronically for your pet through the healthypawspetinsurance.com web site and the Healthy Paws Internet Customer Center ( “ Customer Center ” ) with the option to receive the pursuit documents electronically through electronic mail to your e-mail address on record or via posting to your Customer Center .
By clicking “ I agree ”, you agree and accept to receiving electronically all documents that Healthy Paws and Chubb are required to provide in writing in connection with your pet health indemnity transactions, including but not limited to any application for indemnity made or indemnity policy issued through the Customer Center and to use your electronic signature in conjunction with such insurance applications .
You consent that all your pet indemnity documentation will be transacted by electronic means, including but not limited to your insurance policy ; policy documentation ; second documents ; policyholder notices ; notices of cancellation and non-renewal ; signature pages ; bounty increase or conditional refilling notices ; applications ; alerts and communications relating to your policy ; invoices ; claims communications and forms ; claim acknowledgements ; and, coverage letters and positions .
You consent to submitting and receiving all of your claims forms electronically to us and via the e-mail address set out below.
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This accept for electronic delivery is effective immediately and will remain in consequence until you withdraw it. importantly, if you choose to access your policy Documents electronically, this does not affect the robustness, legal effect, or enforceability of such indemnity related documents .
While we reserve the good to modify the terms of this accept, we will not do so without first base providing you with notice of any changes. The modified terms will apply to your policy policy ( south ) and will be binding unless you withdraw your accept to electronic delivery .
We and Chubb may besides use your electronic key signature for policy Documents that require your legal touch. You consent that your electronic signature has the same legal effect as if you signed the policy Documents in compose and will be deemed valid, attested and dressing. “ electronic signature ” means an electronic voice, symbol or process, attached to or logically associated with a contract or other record and executed or adopted by a person with the intent to be bound by such contract or read .
electronic documents will be delivered to you either through an electronic mail to your e-mail address on record, or by posting to the Customer Center. To view all documentation you will need to login through the Customer Center at hypertext transfer protocol : //myaccount.healthypawspetinsurance.com/ .
In ordering to obtain, download and scene all policy documentation you must have the take after hardware or software system requirements in station
- A personal computer capable of receiving, accessing and displaying or printing or storing communications
received from us in an electronic form. - Adobe PDF Reader v11.0
- System Requirements:
-OS: Windows 7 or higher
Internet Explorer v11 or higher
Firefox v45.7 or higher
Chrome v40 or higher
-OS: Mac OS X 10.9 or higher
Safari 9.0 or higher
Firefox v45.7 or higher
Chrome v40 or higher
By clicking “ I agree ”, you affirm that your computer organization meets the hardware and software requirements for receiving policies, endorsements and other relate documents .
It is your responsibility to download and store records and all Policy Documents made available to you through this web site. We may at our sole discretion discontinue handiness of this site at any prison term, without far notice to you .
You agree to notify us promptly if your mail address, e-mail address or other delivery information changes by contacting [ e-mail protected ] or via telephone at 1-855-898-8991. We will notify you in the event of any changes regarding hardware or software requirements necessary to receive policy Documents and other relate documents electronically. however, it is your duty to notify us if you are unable to access the Policy documentation made electronically available to you .
You may at any clock request a copy of your policy Documents in stead of access via the Customer Center. You may withdraw your accept to electronic transactions and to receive documentation via the Customer Center by sending a request in writing to [ e-mail protected ] or by telephoning us at 1-855-898-8991 .
By clicking “ I agree ”, you further represent and justify that you have the necessity agency to provide such accept for and on behalf of the identify organization .
Your excerpt of “ I agree ” constitutes your electronic signature. By selecting the “ I agree ” box I confirm that :
- I AGREE TO TRANSACTING ELECTRONICALLY AND TO RECEIVING MY INSURANCE POLICY AND ALL RELATED DOCUMENTS, AS WELL AS ALL
NOTICES, ALERTS, COMMUNICATIONS, INCLUDING THOSE LISTED ABOVE; - I can access and read this consent to paperless terms and conditions document; and
- I can print, save, or send this document for future reference.
Conditions for Use
Welcome to HealthyPawsPetInsurance.com. Healthy Paws Pet Insurance® LLC ( hereinafter “ Healthy Paws ” ) maintains this web site ( the “ Site ” ) for your personal education, information, and communication. You may download only material displayed on the Site specifically identified as available for downloading. such material is for noncommercial, personal manipulation only provided you besides retain all copyright and other proprietorship notices contained on the materials. You may not, however, distribute, modify, air, recycle, repost or use the content of the Site for populace or commercial purposes, including the text, images, audio and video without Healthy Paws ‘ written permission.
Your access to and manipulation of the Site is besides subject to the comply terms and conditions ( “ Terms and Conditions ” ) and all applicable laws. By accessing and browsing the Site, you accept, without limit or qualification, the Terms and Conditions and acknowledge that any other agreements between you and Healthy Paws regarding this locate are superseded and of no force or effect .
TERMS AND CONDITIONS
You should assume that everything you see or read on the Site is copyrighted unless differently noted and may not be used except vitamin a provided in these Terms and Conditions or in the textbook on the Site without the written license of Healthy Paws. Healthy Paws neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of one-third parties not owned by or affiliated with Healthy Paws .
- While Healthy Paws uses reasonable efforts to include accurate and up-to-date information in the Site, Healthy Paws
makes no warranties or representations as to its accuracy. Healthy Paws assumes no liability or responsibility for any
errors or omissions in the content of the Site. - Your use of and browsing in the Site are at your risk. Neither Healthy Paws nor any other party involved in creating,
producing or delivering the Site is liable for any direct, incidental, consequential, indirect or punitive damages
arising out of your access to, or use of, the Site. Without limiting the foregoing, everything on the Site is provided
to you “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED
WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Please note that some
jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.
Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties. Healthy Paws
also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer
equipment or other property on account of your access to, use of, or browsing in the Site or your downloading of any
materials, data, text, images, video or audio from the Site. - Any communication or material you transmit or post to the Site by electronic mail or otherwise, including any data,
questions, comments, suggestions, stories, homepages, or the like is, and will be treated as, non-confidential and
non-proprietary. Healthy Paws, or its affiliates, at its sole discretion, and without compensation to you, may use, not
use, edit, adapt, modify or discontinue the use of any communication or material you post to the site for any purpose
whatsoever including, but not limited to, disclosure, transmission, reproduction, distribution, publishing,
broadcasting, or posting in any medium. Furthermore, Healthy Paws, or its affiliates, without compensation to you, is
free to use, not use, edit, adapt, modify, or discontinue the use of any ideas, concepts, know-how, or techniques
contained in any communication or material you transmit or post to the Site for any purpose whatsoever including, but
not limited to, developing, manufacturing and marketing products. - Images of people, animals, or places displayed on the Site are either the property of, or used with permission by,
Healthy Paws. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically
permitted by these Terms and Conditions or specific permission provided elsewhere on the Site. Any unauthorized use of
the images may violate copyright laws, trademark laws, the laws of privacy and publicity and communications regulations
and statutes. - The trademarks, logos and service marks (collectively the “Trademarks”) displayed on the Site are registered and
unregistered Trademarks of Healthy Paws and others. Nothing contained on the Site should be construed as granting, by
implication, estoppel or otherwise, any license or right to use any Trademark displayed on the Site without the written
permission of the Trademark owner. Your misuse of the Trademarks displayed on the Site, or any other content on the
Site, except as provided in these Terms and Conditions, is strictly prohibited. - Healthy Paws has not reviewed all the sites linked to the Site and is not responsible for the content of any other
sites linked to the Site. Your linking to any other off-site pages or other sites is at your own risk. - Although Healthy Paws may from time to time monitor or review discussions, chats, postings, transmissions, bulletin
boards, and the like on the Site, Healthy Paws is under no obligation to do so and assumes no responsibility or
liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission,
falsehood, obscenity, pornography, profanity, danger or inaccuracy contained in any information within such locations on
the Site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene,
scandalous, inflammatory, pornographic or profane material or any material that could constitute or encourage conduct
that would be considered a criminal offense, give rise to civil liability or otherwise violate any law. Healthy Paws
will fully cooperate with any law enforcement authorities or court order requesting or directing Healthy Paws to
disclose the identity of anyone posting any such information or materials. - This Site may from time to time contain information relating to various medical, health and fitness conditions of
pets and their treatment. This is for informational purposes only and is not meant to be a substitute for the advice
provided by your own veterinarian or other medical professional. You should not use the information contained herein for
diagnosing a pet’s health or fitness problem or disease. You should always consult your own veterinarian and medical
advisors. - Healthy Paws may at any time revise these Terms and Conditions by updating this posting. You are bound by any such
revisions and should therefore periodically visit this page to review the then current Terms and Conditions to which you
are bound.
Status of Healthy Paws
Healthy Paws Pet Insurance, LLC ( HPPI ) is an indemnity producer licensed in your state. policy producers are authorized by their license to confer with policy purchasers about the benefits, terms and conditions of insurance contracts ; to offer advice concerning the substantial benefits of especial insurance contracts ; to sell indemnity ; and to obtain indemnity for purchasers. The role of the producer in any particular transaction involves one or more of these activities. recompense will be paid to the producer, based on the indemnity contract the manufacturer sells. Depending on the insurance company ( randomness ) and insurance abridge ( randomness ) the buyer selects, recompense will be paid by the insurance company ( s ) selling the policy narrow or by another one-third party. such recompense may vary depending on a number of factors, including the policy shrink ( mho ) and the insurance company ( s ) the buyer selects .
In accession, HPPI may charge a tip for administrative services. Clicking the “ Get Protected ” button will be deemed to signify your accept to and acceptance of the terms and conditions including the compensation, as disclosed above, that is to be received by HPPI. The indemnity buyer may obtain information about compensation expected to be received by the manufacturer based in whole or in part on the sale of insurance to the buyer, and compensation expected to be received based in whole or in contribution on any option quotes presented to the buyer by the manufacturer, by emailing [ electronic mail protected ] and requesting compensation information. In addition, premiums paid by Clients to HPPI for remittance to insurers, Client refunds and claim payments paid to HPPI by insurance companies for remittance to Clients are deposited into fiduciary accounts in accordance with applicable insurance laws until they are due to be paid to the indemnity caller or Client. subject to such laws and the applicable policy caller ‘s consent, where required, HPPI will retain the interest or investment income earned while such funds are on deposit in such accounts .
In place, renewing, consulting on or servicing your policy coverages HPPI and its affiliates may participate in contingent commission arrangements with indemnity companies that provide for extra contingent compensation, if, for exercise, certain cover, profitableness, book or memory goals are achieved. such goals are typically based on the full measure of certain policy coverages placed by HPPI with the policy party or the overall operation of the policies placed with that policy company, not on an individual policy basis. As a result, HPPI may be considered to have an bonus to place your policy coverages with a particular policy company. Where Aon participates in contingent commission arrangements with policy companies, Aon may be entitled to extra perpetration in the compass of 0 to 5 % depending upon whether and when specified thresholds are achieved .
Limitations of Liability
Our indebtedness to you, in sum, for the duration of our clientele relationship for any and all damages, costs, and expenses ( including but not circumscribed to attorneys ‘ fees ), whether based on contract, tort ( including negligence ), or otherwise, in connection with or related to our services ( including a failure to provide a service ) that we provide in full shall be limited to the lesser of $ 1,000,000 or the curious annual limit of the policy of insurance procured by us on your behalf from which your damages arise .
This liability limitation applies to you, our node, and extends to our client ‘s parent ( randomness ), affiliates, subsidiaries, and their respective directors, officers, employees and agents ( each a “ Client Group Member ” of the “ Client Group ” ) wherever located that search to assert claims against HPPI, and its parent ( mho ), affiliates, subsidiaries and their respective directors, officers, employees and agents ( each an “ Aon Group Member ” of the “ Aon Group ” ). nothing in this liability limitation section implies that any Aon Group Member owes or accepts any duty or province to any Client Group Member .
If you or any of your Group Members asserts any claims or makes any demands against us or any Aon Group Member for a sum amount in excess of this liability limitation, then you agree to indemnify HPPI for any and all liabilities, costs, damages and expenses, including attorneys ‘ fees, incurred by HPPI or any Aon Group Member that exceeds this indebtedness limitation .
Other Disclosures
Aon Corporation, our ultimate rear company, and its affiliates have from time to time sponsored and invested in indemnity and reinsurance companies. While we generally undertake such activities with a opinion to creating an neat flow of capacity for our clients, we besides seek an allow return key on our investment. These investments, for which Aon is broadly at-risk for potential price loss, typically are little and stove from fixed-income to common stock transactions. In such case, the gains or losses we make through your investments could potentially be linked, in part, to the results of treaties or policies transacted with you. Please visit the Aon web site for a stream list of policy and reinsurance carriers in which Aon Corporate and its affiliates hold any possession interest .
Recurring Payment
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By clicking the Get Protected button, you authorize healthy Paws Pet Insurance to charge your credit card for the agreed upon amount plus a erstwhile only $ 25.00 admin tip ( not applicable in all states ). You understand the charge will recur monthly on the same date the policy became effective. For Pet Parents that enroll on the 28th to 31st of the month, the charge date defaults to the 28th for consistency ascribable to the typical total of days in February. You understand that in order to cancel coverage, you need to notify Healthy Paws via regular mail, facsimile, e-mail or verbally where permitted by your policy. We will return unearned agio on a pro rata basis. You understand this insurance policy constitutes a legally dressing contract. last, you understand that policy amounts may be subject to change and if indeed, you will be notified via the e-mail address you have provided .
indemnity offered by Healthy Paws Pet Insurance is provided by ACE American Insurance Company, Westchester Fire Insurance Company, Indemnity Insurance Company of North America, ACE Property and Casualty Insurance Company and Atlantic Employers Insurance Company and one or more of their U.S. based Chubb underwriting company affiliates. Chubb is the market identify used to refer to subsidiaries of Chubb Limited providing policy and relate services. For a list of these subsidiaries, please visit our web site at www.chubb.com .
This communication contains intersection summaries only. coverage is subject to the language of the policies as actually issued. Surplus lines indemnity sold merely through licensed excess lines producers. Chubb, 202 Hall ‘s Mill Road, Whitehouse Station, NJ 08889-1600 .