SERFF Tracking #: ZURC-131915450 State Tracking #: 19-1596 Company Tracking #: 42557 State: California Filing Company: Zurich American Insurance Company TOI/Sub-TOI: 09.0 Inland Marine/09.0004 Pet Insurance Plans Product Name: Pet Insurance Program Project Name/Number: /42557 Filing at a Glance Company: Zurich American Insurance Company Product Name: Pet Insurance Program State: California TOI: 09.0 Inland Marine Sub-TOI: 09.0004 Pet Insurance Plans Filing Type: New Program Date Submitted: 04/25/2019 SERFF Tr Num: ZURC-131915450 SERFF Status: Closed-Approved State Tr Num: 19-1596 State Status: Approved Co Tr Num: 42557 Effective Date 07/01/2019 Requested (New): Effective Date 07/01/2019 Requested (Renewal): Author(s): Paula Bartell Reviewer(s): Won Choi (primary), William Lee Disposition Date: 09/24/2019 Disposition Status: Approved Effective Date (New): Effective Date (Renewal): This filing was provided as part of The California Insurance ADVISOR Subscribe @ www.martincompanyus.com or call 800-896-8000 PDF Pipeline for SERFF Tracking Number ZURC-131915450 Generated 10/01/2019 02:47 AM SERFF Tracking #: ZURC-131915450 State Tracking #: 19-1596 Company Tracking #: 42557 State: California Filing Company: Zurich American Insurance Company TOI/Sub-TOI: 09.0 Inland Marine/09.0004 Pet Insurance Plans Product Name: Pet Insurance Program Project Name/Number: /42557 General Information Project Name: Status of Filing in Domicile: Pending Project Number: 42557 Domicile Status Comments: Reference Organization: Reference Number: Reference Title: Advisory Org. Circular: Filing Status Changed: 09/24/2019 State Status Changed: 09/24/2019 Deemer Date: 07/09/2019 Created By: Paula Bartell Submitted By: Paula Bartell Corresponding Filing Tracking Number: Filing Description: Zurich American Insurance Company is submitting a new Zurich Pet Illness and Injury Insurance Policy. This policy provides reimbursement for reasonable and necessary veterinary expenses incurred due to the Pet's illness or injury. Company and Contact Filing Contact Information Paula Bartell, Project Manager [email protected] 1299 Zurich Way 847-605-6177 [Phone] Schaumburg, IL 60196-1056 847-240-4514 [FAX] Filing Company Information Zurich American Insurance CoCode: 16535 State of Domicile: New York Company Group Code: 212 Company Type: 1299 Zurich Way Group Name: State ID Number: Schaumburg, IL 60196 FEIN Number: 36-4233459 (847) 605-6000 ext. [Phone] Filing Fees Fee Required? No Retaliatory? No Fee Explanation: State Specific Variance Requested? (Yes/No): No PDF Pipeline for SERFF Tracking Number ZURC-131915450 Generated 10/01/2019 02:47 AM SERFF Tracking #: ZURC-131915450 State Tracking #: 19-1596 Company Tracking #: 42557 State: California Filing Company: Zurich American Insurance Company TOI/Sub-TOI: 09.0 Inland Marine/09.0004 Pet Insurance Plans Product Name: Pet Insurance Program Project Name/Number: /42557 Correspondence Summary Dispositions Status Created By Created On Date Submitted Approved William Lee 09/24/2019 09/24/2019 Objection Letters and Response Letters Objection Letters Response Letters Status Created By Created On Date Submitted Responded By Created On Date Submitted Pending Won Choi 09/20/2019 09/20/2019 Paula Bartell 09/20/2019 09/20/2019 company response Pending Won Choi 09/18/2019 09/18/2019 Paula Bartell 09/20/2019 09/20/2019 company response Pending Won Choi 08/01/2019 08/01/2019 Paula Bartell 08/27/2019 08/27/2019 company response Pending Won Choi 07/25/2019 07/25/2019 Paula Bartell 07/26/2019 07/26/2019 company response Respond Won Choi 07/01/2019 07/02/2019 Paula Bartell 07/02/2019 07/02/2019 immediately Pending Won Choi 06/28/2019 06/28/2019 Paula Bartell 07/03/2019 07/03/2019 company response Filing Notes Subject Note Type Created By Created On Date Submitted Status Note To Reviewer Paula Bartell 09/24/2019 09/24/2019 RE: Status Note To Filer Won Choi 09/23/2019 09/23/2019 Status Note To Reviewer Paula Bartell 09/17/2019 09/17/2019 RE: Status Note To Filer Won Choi 09/13/2019 09/13/2019 Status Note To Reviewer Paula Bartell 09/10/2019 09/10/2019 RE: question and request for extension Note To Filer Won Choi 08/02/2019 08/02/2019 question and request for extension Note To Reviewer Paula Bartell 08/02/2019 08/02/2019 Deemer Waiver Note To Reviewer Paula Bartell 07/03/2019 07/03/2019 PDF Pipeline for SERFF Tracking Number ZURC-131915450 Generated 10/01/2019 02:47 AM SERFF Tracking #: ZURC-131915450 State Tracking #: 19-1596 Company Tracking #: 42557 State: California Filing Company: Zurich American Insurance Company TOI/Sub-TOI: 09.0 Inland Marine/09.0004 Pet Insurance Plans Product Name: Pet Insurance Program Project Name/Number: /42557 Disposition Disposition Date: 09/24/2019 Effective Date (New): Effective Date (Renewal): Status: Approved Comment: Only the changes specifically indicated in the application set forth above, as it may have been amended, are approved. Nothing in this letter shall constitute approval of any other application, whether incorporated by reference, or filed prior or subsequent to the application set forth above. Zurich American Insurance Company shall begin issuing policies pursuant to this approval within 90 days of the date of this approval, provided that the insurer is licensed in California to transact the line of insurance for which the approval is given. The insurer may implement this approval earlier if it is able to do so. Regardless of the implementation date, the insurer shall implement this approval with the same effective date for both new and renewal business and shall offer this product to all eligible applicants as of the implementation date. This approval shall continue to have full force and effect until such time as a subsequent change for the referenced lines or programs may be approved or ordered by the Insurance Commissioner. If any portion of the application or related documentation conflicts with California law, that portion is specifically not approved. This approval does not constitute an approval of underwriting guidelines nor the specific language, coverages, terms, covenants and conditions contained in any forms, or the forms themselves. Policy forms and underwriting guidelines included in this filing were reviewed only insofar as they relate to rates contained in this filing or currently on file with the California Department of Insurance. Any subsequent changes to underwriting guidelines or coverage, terms, covenants and conditions contained in any forms must be submitted with supporting documentation where those changes result in any rating impact. The Commissioner may at any time take any action allowed by law if he determines that any underwriting guidelines, forms or procedures for application of rates, or any other portions of the application conflict with any applicable laws or regulations. Overall % Overall % Written Premium Number of Policy Written Maximum % Minimum % Company Indicated Rate Change for Holders Affected Premium for Change Change Name: Change: Impact: this Program: for this Program: this Program: (where req'd): (where req'd): Zurich American 0.000% 0.000% $0 0 $0 % % Insurance Company Schedule Schedule Item Schedule Item Status Public Access Supporting Document (revised) New Prior Approval Rate Application Yes Supporting Document New Prior Approval Rate Application Yes Supporting Document New Prior Approval Rate Application Yes Supporting Document California Examples Yes PDF Pipeline for SERFF Tracking Number ZURC-131915450 Generated 10/01/2019 02:47 AM SERFF Tracking #: ZURC-131915450 State Tracking #: 19-1596 Company Tracking #: 42557 State: California Filing Company: Zurich American Insurance Company TOI/Sub-TOI: 09.0 Inland Marine/09.0004 Pet Insurance Plans Product Name: Pet Insurance Program Project Name/Number: /42557 Schedule Schedule Item Schedule Item Status Public Access Form Zurich Pet Illness and Injury Insurance Policy Yes Declarations Page Form Zurich Pet Illness And Injury Insurance Policy Yes Form Pet Wellness Endorsement - California Yes Form Policy Changes Yes Form California Amendatory Yes Form Insurer Disclosure of Important Policy Provisions Yes Rate Zurich American Insurance Company Pet Insurance Yes Program Countrywide Rating Plan Rate Zurich American Insurance Company Pet Insurance Yes Program State Exception Page - California PDF Pipeline for SERFF Tracking Number ZURC-131915450 Generated 10/01/2019 02:47 AM SERFF Tracking #: ZURC-131915450 State Tracking #: 19-1596 Company Tracking #: 42557 State: California Filing Company: Zurich American Insurance Company TOI/Sub-TOI: 09.0 Inland Marine/09.0004 Pet Insurance Plans Product Name: Pet Insurance Program Project Name/Number: /42557 Objection Letter Objection Letter Status Pending company response Objection Letter Date 09/20/2019 Submitted Date 09/20/2019 Respond By Date 09/24/2019 Dear Paula Bartell, Introduction: Objection 1 - New Prior Approval Rate Application (Supporting Document) Comments: The underwriting guideline says, "Policies are not eligible for $0 deductible and 0% copayment." However, the rating manual shows $0 deductible has a factor of 1.15. Does this mean $0 deductible is allowed but not with 0% copayment? Furthermore, the rating manual does not say much about copayment/coinsurance. There is no list of copayment/coinsurance levels nor their associated factors. How does copayment/coinsurance work for this program? Conclusion: Sincerely, Won Choi PDF Pipeline for SERFF Tracking Number ZURC-131915450 Generated 10/01/2019 02:47 AM SERFF Tracking #: ZURC-131915450 State Tracking #: 19-1596 Company Tracking #: 42557 State: California Filing Company: Zurich American Insurance Company TOI/Sub-TOI: 09.0 Inland Marine/09.0004 Pet Insurance Plans Product Name: Pet Insurance Program Project Name/Number: /42557 Objection Letter Objection Letter Status Pending company response Objection Letter Date 09/18/2019 Submitted Date 09/18/2019 Respond By Date 09/23/2019 Dear Paula Bartell, Introduction: Objection 1 - New Prior Approval Rate Application (Supporting Document) Comments: Memoranda say territory factors were determined by researching competitor filings. A. Please give rationale for including territory factors for pet insurance especially since VBW-I and VB-II products do not.