Congenital = present from birth (inherited OR environmental).

Hereditary = genetically transmitted from parent to offspring.

Chronic = can be treated or managed, but not cured.

Veterinary expenses = medical advice, diagnosis, care or treatment by a veterinarian, including prescribed drugs.

Outline cites §12880(g); current text is §12880(k) and adds dental care and supervised services.

Disclose 4 exclusions: preexisting, hereditary, congenital, chronic.

Disclose limits: waiting period, deductible, coinsurance, annual or lifetime limit.

Disclose whether claim history reduces coverage or raises premium.

Claim formula: summary in the policy + link on the website main page.

Benefit schedule: applicable one in the policy; all of them on the website.

Usual and customary: policy provision explaining the basis + website link.

"Insurer Disclosure of Important Policy Provisions": website link + with a new policy in at least 12-point type.

Free look: at least 30 days; return to the insurer or the selling agent.

Refund within 30 days; no free look once a claim is paid or promised in writing.

§12880.6 notice: 12-point boldface, at issue or delivery.

Includes the department's address, toll-free number and website, plus insurer or agent contacts.

Contact the department only after the insurer or agent fails to resolve the problem.

Hearing: not less than 30 days after the order to show cause is served.

Penalty: up to $5,000 per violation; up to $10,000 if willful.

Proved charges also bring a cease and desist order.