Underwriter
State Map
`Wellness Plans
Accident Illness VS Accident Only
Systems
100

This Underwriter allows Worldwide Coverage  is available for up to 6 months, while traveling.

IHC

100

Which State has Ferrets as their popular pet? 

Arizona, Virgina or Missouri?

Missouri

100

What is the limit for a fecal exam under APIC EW plan?

50$

100

Iggy got hit by a car while riding a skateboard. Is this covered under Accident Only or an Accident/Illness policy?

Both

100

Which System do we use to clock in/out each day?

Workday

200

This Underwriter does not have an exclusion for bi-lateral conditions.

IAIC

200

Which state has no discounts for military members or veterinarians.

New Mexico, Arkansas or New York?

New York

200

What is the limit for the rabies vaccination under APIC Best wellness?

15$

200

Taco was seen for his yearly check up. During the exam the vet diagnosed him with an ear infection. Is the ear infection covered under an Accident Only policy with Wellness?

No, illness is a direct exclusion of the Accident Only policy.

200

Which system do we use to see our schedule and make time off requests?

Verint

300

This Underwriter does not allow upgrades on annual plans.

IHC

300

This state has a higher cost for Best Wellness.

What is the State? Alaska, Louisiana, or Washington?

Washington

300

Which Underwriter offers 

- Heartworm Test

- FELV / FIV Test

- Blood, Fecal, Parasite exam

- Urinalysis / Early Renal Detection Screen

in a combined benefit amount of $125.00 ?

IAIC Best Wellness Plan

300

Andy has an Accident Only policy. During his daily tractor ride, he falls off the tractor and injured his right leg causing a Cruciate Ligament tear. He is now being rushed to the Emergency Vet. Will the surgery and rehabilitative care needed be covered?

No, Cruciate ligament injuries and associated treatment are a direct exclusion of the plan.

300

Which system do we use to do our Trainings,YOK's and DKC ?

Centrical

400

This Underwriter excludes the policy holder to file claims for their own pet they treated themselves.

IAIC

400

This state has a cap on all deductibles for all Underwriters to $1000. Which state is this ?

California, Hawaii, or Utah?

Hawaii and Utah

AIC: $50 - $1000 

APIC: $50 - $1000  

IHC: $0 - $1000 


400

Pet was seen for a fractured tooth, while under the vet recommends a dental cleaning as well. Is this covered under Accident Only policy w/ Essential wellness?  

No, policy would have to have Best Wellness in order for the dental cleaning to be covered.

400

Fluffy has an Accident Only policy. He has eaten a sock and needs foreign body surgery. The waiting period has been met. Is this eligible for coverage?

Yes, foreign body surgery is eligible for coverage under an Accident Only plan and Accident/Illness as long as it was not pre-existing.

400

Which system do we use to make policy changes such as cancellations and review claims ? 

TIA

500

This Underwriter offers no coverage for cremation and pregnancy coverage due to complications.

IAIC and APIC

500

As of ____, The State of _______ DOI has approved an additional FIGA premium tax to all policies. Which state and what date did this go in Effect? 

Rhode Island, Utah, or Florida

The state of Florida Effective 1/1/2022

500

Which underwriter offers a total payout of $565.00 yearly for wellness? 

IHC-5 Feline wellness limit

500

Pet Aurora had a Cruciate TPLO SX on her Left leg prior to getting the policy her pet parent purchased on 1/01/25. She lives in the state of West Virginia. Pet parent called in today 7/10/25 and advised pet has now injured her right leg and needs a CCL sx will this be covered?

Yes, from KO for IAIC pols:

  • Example: Pet presents for TPLO surgery on left leg prior to PED. All treatments for the left leg will be excluded for life of policy. Then pet presents outside all waiting periods with signs and symptoms of CCL tear in the right leg. All eligible treatments will be allowed for that condition on the right side.
500

Which system do we use to recognize our peers with shoutout?

Nectar