SERFF Tracking #: ZURC-132063298 State Tracking #: R2019003049 Company Tracking #: 42615 State: New York Filing Company: Zurich American Insurance Company TOI/Sub-TOI: 09.0 Inland Marine/09.0004 Pet Insurance Plans Product Name: Pet Insurance Program -NY Refile Project Name/Number: /42615 Filing at a Glance Company: Zurich American Insurance Company Product Name: Pet Insurance Program -NY Refile State: New York TOI: 09.0 Inland Marine Sub-TOI: 09.0004 Pet Insurance Plans Filing Type: Form/Rate/Rule Date Submitted: 08/27/2019 SERFF Tr Num: ZURC-132063298 SERFF Status: Closed-Approved State Tr Num: R2019003049 State Status: Closed Co Tr Num: 42615 Effective Date 09/01/2019 Requested (New): Effective Date 09/01/2019 Requested (Renewal): Author(s): Paula Bartell Reviewer(s): Sokhna Thiam (primary) Disposition Date: 09/18/2019 Disposition Status: Approved Effective Date (New): 09/18/2019 Effective Date (Renewal): This filing was provided as part of The New York Insurance ADVISOR Subscribe @ www.martincompanyus.com or call 800-896-8000 PDF Pipeline for SERFF Tracking Number ZURC-132063298 Generated 09/19/2019 12:24 PM SERFF Tracking #: ZURC-132063298 State Tracking #: R2019003049 Company Tracking #: 42615 State: New York Filing Company: Zurich American Insurance Company TOI/Sub-TOI: 09.0 Inland Marine/09.0004 Pet Insurance Plans Product Name: Pet Insurance Program -NY Refile Project Name/Number: /42615 General Information Project Name: Status of Filing in Domicile: Project Number: 42615 Domicile Status Comments: Reference Organization: Reference Number: Reference Title: Advisory Org. Circular: Filing Status Changed: 09/18/2019 State Status Changed: 09/18/2019 Deemer Date: 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. This is a refile of ZURC-131918610, NY DOI Number R2019001547. This refile is being submitted as a result of the conversation we had with the NY DFS on 8/20 with Dan Sheridan (Supervising Insurance Examiner / Property Bureau), Gerald Scattaglia (Bureau Chief), Bob Pothiwala (Examiner), and Sokhna Thiam (Line Examiner). 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 Speed-To-Market Field: enter code "98" for Speed-To-Market filings. Enter "0" for N/A.: 0 Terrorism Exclusion Field: enter code "46-01" for filings which includes forms, rates or rules for the Terrorism Exclusion. Enter "0" for N/A.: 0 Mold (Fungi, Bacteria, Virus) Exclusion Field: enter code "46-02" for filings which includes forms, rates or rules for the Mold Exclusion. Enter "0" for N/A.: 0 On the Rate/Rule Schedule Tab, the "Add Rate Data" button must be changed to "yes" for all rating rules and rate filings in order for the appropriate fields to be completed. Please enter "Yes" for filings with the rate data fields completed and "No" for all other filings.: Yes PDF Pipeline for SERFF Tracking Number ZURC-132063298 Generated 09/19/2019 12:24 PM SERFF Tracking #: ZURC-132063298 State Tracking #: R2019003049 Company Tracking #: 42615 State: New York Filing Company: Zurich American Insurance Company TOI/Sub-TOI: 09.0 Inland Marine/09.0004 Pet Insurance Plans Product Name: Pet Insurance Program -NY Refile Project Name/Number: /42615 Correspondence Summary Dispositions Status Created By Created On Date Submitted Approved Sokhna Thiam 09/18/2019 09/18/2019 Objection Letters and Response Letters Objection Letters Response Letters Status Created By Created On Date Submitted Responded By Created On Date Submitted Pending Sokhna Thiam 09/11/2019 09/12/2019 Paula Bartell 09/12/2019 09/12/2019 PDF Pipeline for SERFF Tracking Number ZURC-132063298 Generated 09/19/2019 12:24 PM SERFF Tracking #: ZURC-132063298 State Tracking #: R2019003049 Company Tracking #: 42615 State: New York Filing Company: Zurich American Insurance Company TOI/Sub-TOI: 09.0 Inland Marine/09.0004 Pet Insurance Plans Product Name: Pet Insurance Program -NY Refile Project Name/Number: /42615 Disposition Disposition Date: 09/18/2019 Effective Date (New): 09/18/2019 Effective Date (Renewal): Status: Approved Comment: This refers to the captioned filing and subsequent correspondence which provided additional information and amended the same. Based on your advices and confirmation, the captioned filing, as amended, is hereby approved in accordance with Article 23 of the New York Insurance Law. The Manual Pages, including New York Exception Pages, are hereby acknowledged. Very truly yours, LINDA A. LACEWELL Superintendent of Financial Services By: Sokhna Thiam Insurance Examiner New York State Department of Financial Services Property Bureau (212) 709-3826 [email protected] 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 PDF Pipeline for SERFF Tracking Number ZURC-132063298 Generated 09/19/2019 12:24 PM SERFF Tracking #: ZURC-132063298 State Tracking #: R2019003049 Company Tracking #: 42615 State: New York Filing Company: Zurich American Insurance Company TOI/Sub-TOI: 09.0 Inland Marine/09.0004 Pet Insurance Plans Product Name: Pet Insurance Program -NY Refile Project Name/Number: /42615 Schedule Schedule Item Schedule Item Status Public Access Supporting Document Explanatory Memorandum Yes Supporting Document Personal Inland Marine Insurance Review Standards Yes Checklist Supporting Document Inland Marine -all filings must conform to Nationwide Yes Inland Marine Definition, section 2310(b) and (c). Supporting Document Side-By-Side Comparisons Yes Supporting Document Rates and/or Rating Plans Yes Supporting Document Consent-to-rate requirements Yes Supporting Document Application Yes Supporting Document Red-Line Yes Form Zurich Pet Illness and Injury Insurance Policy Yes Declarations Page Form Zurich Pet Illness And Injury Insurance Policy Yes Form Pet Wellness Endorsement Yes Form Policy Changes - New York Yes Form (revised) New York Amendatory Yes Form New York Amendatory 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 - New York PDF Pipeline for SERFF Tracking Number ZURC-132063298 Generated 09/19/2019 12:24 PM SERFF Tracking #: ZURC-132063298 State Tracking #: R2019003049 Company Tracking #: 42615 State: New York Filing Company: Zurich American Insurance Company TOI/Sub-TOI: 09.0 Inland Marine/09.0004 Pet Insurance Plans Product Name: Pet Insurance Program -NY Refile Project Name/Number: /42615 Objection Letter Objection Letter Status Pending Objection Letter Date 09/12/2019 Submitted Date 09/12/2019 Respond By Date 09/27/2019 Dear Paula Bartell, Introduction: This refers to the captioned filing. This also refers to the conference call on 08/20/2019 regarding this filing. We have the following questions / concerns: We note your indication that "Zurich will market the program through two different channels: Website - direct-to-consumer online platform and Worksite - employer benefit programs." [1] - Please provide us with a copy of the policy application under the Supporting documentation; [2] - Kindly confirm that Insurance Fraud Warning Statement complies with Section 86.4 (d) of Regulation No. 95 and Section 403 of New York Insurance Law. [3] - Kindly confirm company's compliance with all requirements of Section 3425 of New York Insurance Law, with regards to cancellation notice and non-renewal. We await your prompt reply. In the meantime, the captioned filing is not approved for use in New York State. Pursuant to the Department’s 2nd Supplement to Circular Letter No. 11 (1998), a substantive reply is expected within 15 days. If such response is not received, this file will be considered withdrawn and closed accordingly without further communication. Thereafter, to request further review of the subject matter of this filing, a new submission must be made, in accordance with the provisions of Circular Letter No. 11 (1998) and supplements (and SERFF filing submission guidelines), which should address any outstanding issues included in this and any earlier communications. Please provide notification by e-mail at [email protected] when you have responded to an objection letter or sent a Note to Reviewer via SERFF. This will help expedite review of this filing. This e-mail address should not be used for any correspondence other than for notification that the company has sent correspondence through SERFF. Very truly yours, Sokhna Thiam Insurance Examiner New York State Department of Financial Services Property Bureau (212) 709-3826 [email protected] Conclusion: Sincerely, Sokhna Thiam PDF Pipeline for SERFF Tracking Number ZURC-132063298