Independence American Insurance Company filed in Washington on September 5, 2025, to introduce a new disclosure form for Wagmo-branded pet insurance plans, effective December 1, 2025.
The “Insurer Disclosure of Important Policy Provisions” outlines key terms, claim payout structures, exclusions, waiting periods, and rules on premium adjustments. Highlights include a 15-day free look period, confirmation that premiums will not rise due to claims history, and explicit language on age-related premium increases, waiting period requirements, and pre-existing condition exclusions.
The plans are marketed by Wagmo Insurance Agency and administered by PTZ Insurance Agency. The filing remains under review.