Critical Illness Insurance

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.

Yes, but please note that you can only receive a maximum of one Pet CEO Plan® premium waiver per paid policy year of the critical illness insurance. This means that if you purchase the Infinity Plan, you can file another critical illness claim after the designated claim waiting period in accordance with the multiple critical illness benefits terms. Once a subsequent claim is successfully paid in a new policy year, you can receive the premium waiver for the eligible pet policy's current coverage period again.  　 If we have disbursed a critical illness claim payment to you within a specific policy year of a OneDegree critical illness insurance policy, and have granted you the Pet CEO Plan® premium waiver in accordance with this Policy Endorsement, and provided that you remain entitled to file another critical illness claim within the same policy year under the terms and conditions of that critical illness policy (applicable to Early Stage Critical Illness and Critical Illness claims under the Boost and Infinity Plans)