"Insured." A person on whose behalf a pet insurer is
obligated to pay or reimburse covered veterinary expenses under
a pet insurance policy.
"Orthopedic condition." As follows:
(1) A condition affecting the bones, skeletal muscle,
cartilage, tendons, ligaments or joints.
(2) The term includes elbow dysplasia, hip dysplasia,
intervertebral disc degeneration, patellar luxation and
ruptured cranial cruciate ligaments.
(3) The term does not include cancer or a metabolic,
hemopoietic or autoimmune disease.
"Pet insurance policy." A property insurance policy,
certificate or rider that provides coverage for accidents and
illnesses of pets.
"Pet insurer." An insurer that issues a pet insurance
policy.
"Practice of veterinary medicine." As defined in section 3
of the act of December 27, 1974 (P.L.995, No.326), known as the
Veterinary Medicine Practice Act.
"Preexisting condition." A condition for which any of the
following apply regarding a pet prior to the effective date of a
pet insurance policy for the pet or during any waiting period:
(1) A veterinarian provided medical advice regarding the
pet.
(2) The pet received previous treatment.
(3) Based on information from verifiable sources, the
pet had signs or symptoms directly related to the condition
for which a claim is being made.
"Renewal." The issuance and delivery of a pet insurance
policy, at the end of a pet insurance policy period, which:
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