Terms and Conditions

PetPremium, Inc.

The PetPremium Terms and Conditions (“Terms”) is a legal agreement between you and PetPremium, Inc. (D/B/A “PetPremium”), a Delaware corporation (referred to herein as “ReviMedia,” “PetPremium.com,” or “Company”), governing your use of the Service (as defined herein). By accessing the PetPremium website, located at www.petpremium.com (the “Website” or “Site”), and using the Service, you are agreeing to comply with and be bound by these Terms. Additionally, when using the Website and the Service, you agree to abide by any applicable posted guidelines for all of Company’s services, which may change from time to time, and to comply with all applicable laws and regulations. If you object to any of the terms or conditions of these Terms, any guidelines, or any subsequent modifications thereto or become dissatisfied with Company or the Website in any way, you should immediately discontinue use of the Website. These Terms (as may be modified by PetPremium from time to time) will remain in full force and effect as long as you are a user of the Website, and in the event of termination of any membership, service, or feature, you will still be bound by your obligations under these Terms, including any indemnifications, waivers, warranties, and limitations of liability.

YOU AGREE THAT BY USING THIS SERVICE YOU ARE AT LEAST 18 YEARS OF AGE AND YOU ARE LEGALLY ABLE TO ENTER INTO A CONTRACT. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THIS WEBSITE.

It is your responsibility to periodically review these Terms. Company reserves the right, at any time, to change the Terms by publishing notice of such changes on the Website. Any use of the Services by you after Company’s publication of any such changes will constitute your acceptance of these Terms, as modified. You agree that Company is permitted to access and use any other information provided by you to perform the Service and, if necessary, to access such information to obtain contact information in order to provide notifications relating to the Service provided to you by the Company.

SERVICES

PetPremium, a concept of ReviMedia, is a pet insurance provider that wants to help pet owners find the right pet insurance coverage for their dogs or cats. Users may also participate in advertising campaigns, take quizzes and surveys, use various services and products, and use information (“Services”) provided by PetPremium, Inc.

TERMINATION

PetPremium may terminate a participant’s use of the Services and destroy any data within the Services if PetPremium deems that the participant has not observed these Terms and Conditions or for any other reasons. The participant agrees that PetPremium may delete registration data and all related information as well as any data used by Third-Party Services.  PetPremium may also prohibit the user’s further access to the Services, with or without prior notice.

DEALINGS WITH MERCHANTS; LINKS

The Service contains advertisements, offers, or other links to websites of third parties that we do not control.  Advertisements and other information provided by third parties may not be wholly accurate.  PetPremium is not responsible or liable for (i) the availability or accuracy of such sites or advertisements; or (ii) the content, product, or services available from such sites.  The inclusion of any link on the Service does not imply that we endorse the linked site.  You use the links at your own risk.  PetPremium’s Privacy Policy, is applicable only when you are on our Site.  Once you link to another website, its privacy policy applies to any personal information you supply.

Your transactions and other dealings with third party merchants or advertisers found on or through the Service, including “click to purchase,” “co-registration,” and other similar programs, including payment and delivery of related goods and services, are solely between you and such merchant or advertiser.

CONSENT TO FUTURE COMMUNICATIONS AND EMAIL OFFERS

When participants use the Services, they agree that PetPremium may contact them with future communications, including without limitation, email marketing, telephone marketing, and other forms of direct marketing, as well as online and offline advertising. PetPremium may share participants’ information with third parties for marketing purposes, unless participants opt out, as described in the PetPremium (Privacy Policy). Such communications from PetPremiummay be transmitted to participants by (automatic) telephone calls, email offers, or any other method of communication. Please see the PetPremium Privacy Policy for information regarding PetPremium’s collection, use, and disclosure of this information www.petpremium.com/privacy-policy/. By using the Services, the participant accepts and agrees to the PetPremium Privacy Policy, which is incorporated herein by reference.  Participant further acknowledges and agrees that any costs associated with receiving future marketing communications are the sole responsibility of participant.

REGISTRATION REQUIREMENTS

Participants attest that any personal information collected from the participants through the Services is correct and complete. The participant further represents that registered information is correct, up-to-date, and complete at the time of participation. If PetPremium determines in its sole discretion that the registered information is not accurate or complete, then PetPremium is entitled to delete the participant’s data and prohibit the participant’s further use of the Services.

YOUR REPRESENTATIONS AND WARRANTIES

By accessing or using the Services, you represent and warrant that: (a) you are at least 18 years old; (b) you have not violated and will not violate these Terms; (c) you have not previously been suspended or removed from the Service; (d) you have the right, authority and capacity to enter into this Agreement and to abide by all of the terms and conditions of this Agreement; (e) you are not a competitor of Company and are not using the Services for reasons that are in competition with Company or other than for the Services’ intended purpose.

NO COMMERCIAL USE; LICENSE GRANT

PetPremium is for personal use only. Organizations and businesses may not become participants and should not use the Services or PetPremium for any purpose. You hereby agree not to reproduce, copy, sell, resell, or use the Services (or any part of it) or access to the Services for commercial purposes.

Company grants each user a limited, revocable, non-exclusive license to access the Site and Services in order to, as applicable, view or make legitimate inquiries to us regarding our Services, all in accordance with these Terms. Any other use of the Site is expressly prohibited. This limited license does not include any right of collection, aggregation, copying, duplication, display or derivative use of the Site nor any right of use of data mining, robots, spiders or similar data gathering and extraction tools without our prior written permission; provided, however, that a limited exception from the foregoing exclusion is provided to general purpose Internet search engines and non-commercial public archives that use tools to gather information for the sole purpose of displaying hyperlinks to the Site, provided that they each do so from a stable IP address or range of IP addresses using an easily identifiable agent and comply with our robots.txt file.

PROPRIETARY RIGHTS

All service marks, trademarks, logos, trade names, slogans, and domain names that appear on or in connection with the Services are the property of PetPremium or its affiliates, licensors, or licensees. You may not copy, sell, re-sell, reproduce, display, or use any of these trademarks without prior written consent of PetPremium.

The data, data feeds, content, organization, graphics, designs, and other material featured on PetPremium or provided through the Services (the “Copyrighted Material”) are protected under applicable U.S. and international copyright, trademark, and other intellectual property laws. The Copyrighted Material is either owned by or licensed to PetPremium. It is forbidden to copy, sell, re-sell, reproduce, display, or use the Copyrighted Material without prior written consent of PetPremium. All rights are reserved.

DISCLAIMER OF WARRANTIES

THE SERVICES ARE PROVIDED “AS IS” AND UNDER THESE TERMS AND CONDITIONS, PETPREMIUM IS NOT SUBJECT TO WARRANTIES, EITHER IMPLIED OR EXPRESSLY STATED (OF ANY KIND), INCLUDING (BUT NOT LIMITED TO) IMPLIED WARRANTIES WITH REGARD TO SUITABILITY, MERCHANTABILITY, FOR A SPECIFIC PURPOSE AND/OR VIOLATION.

PARTICIPANTS AGREE TO USE THE SERVICES AT THEIR OWN RISK. PETPREMIUM MAKES NO WARRANTIES OR GUARANTEES THAT THE SERVICES OR PETPREMIUM WILL BE WITHOUT ERROR OR NOT BE INTERRUPTED. PARTICIPANTS AGREE THAT THEY BEAR RESPONSIBILITY FOR ANY DAMAGES INCURRED AS A RESULT OF DOWNLOADING OR ANY USE OF THE SERVICES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES, PETPREMIUM., AND CONTENT ARE PROVIDED TO PARTICIPANTS ON AN “AS IS,” “AS AVAILABLE,” AND “WHERE-IS” BASIS.

THIRD-PARTY SERVICES DISCLAIMER

ANY COMMUNICATIONS, TRANSACTIONS, OR DEALINGS WITH THIRD-PARTY SERVICES ARE NOT THE RESPONSIBILITY OF PETPREMIUM (INCLUDING, BUT NOT LIMITED, TO ANY SERVICES USED BY SPONSORS, AFFILIATES, CO-REGISTRATION, AND INTEGRATED CONTENT). PARTICIPANT AGREES THAT PETPREMIUM IS NOT LIABLE IN ANY WAY FOR DAMAGES OR COSTS AS A RESULT OF ANY USAGE OF THIRD-PARTY SERVICES, INCLUDING, WITHOUT LIMITATION, FEES ASSOCIATED WITH TELECOMMUNICATIONS, SURCHARGES, REGISTRATION FEES, AND SUBSCRIPTION CHARGES, AS WELL AS ATTORNEYS’ FEES AND COURT EXPENSES INCURRED AS A RESULT OF LITIGATION.

LIMITATION OF LIABILITY

PETPREMIUM WILL NOT BE LIABLE FOR ANY INCIDENTAL, INDIRECT, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING (BUT NOT LIMITED TO) DAMAGES TO COMPUTER HARDWARE, SOFTWARE FAILURES, DATA FAILURES, LOSS OF PROFITS, DAMAGE TO GOODWILL, TELECOMMUNICATION EQUIPMENT FAILURES, OTHER EQUIPMENT FAILURES, DAMAGE AS A RESULT OF ACTS OF GOD, OR OTHER LOSSES.

THE MAXIMUM TOTAL LIABILITY OF PETPREMIUM TO YOU FOR ANY AND ALL CLAIMS UNDER THESE TERMS AND CONDITIONS (WHETHER IN CONTRACT, TORT, OR OTHERWISE) IS ONE HUNDRED UNITED STATES DOLLARS ($100 USD).

UNDER THESE TERMS AND CONDITIONS, PARTICIPANTS AGREE TO THE STATED PROVISIONS AND ASSUME THE RISK FOR USE OF THE SERVICES. THE LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, AND OTHER CLAUSES DISCLAIM ANY RESPONSIBILITY OF PETPREMIUM FOR DAMAGES INCURRED. ALL PROVISIONS STATED IN THESE TERMS AND CONDITIONS ARE INDEPENDENT OF OTHER PROVISIONS. THE LIMITATIONS IN THIS SECTION WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

INDEMNIFICATION

You agree to defend, indemnify, and hold Company, its subsidiaries and affiliates, and each of their directors, officers, managers, agents, contractors, partners, and employees harmless from any loss, liability, claim, damages, costs, expenses or demand, including reasonable attorney’s fees, due to or arising out of (i) your use of or inability to use the Services, (ii) any content you provide or transmit through the Services, (iii) your conduct in connection with the Services or our users, (iv) your violation of any of the terms of this Agreement, (v) your violation of any rights of a third party or (vi) your violation of any applicable laws, rules, or regulations.

USE OF PETPREMIUM OR THE SERVICES OUTSIDE OF THE UNITED STATES

PetPremium and the Services are intended for use within the United States, if not explicitly stated within contest rules provided. International use can only be considered if such contest rules include use outside of the United States. As per the Registration Requirements listed in these Terms and Conditions, there are some states within the United States that are limited from participation. If participants from locations outside of the United States or within states and territories that are void of participation (see the Registration Requirements above), then those participants chose to participate in the Services or access any of the content on PetPremium or Third-Party Services at their own risk. Participants accept all risk associated with use of the Services and assume to comply with the laws and regulations within their own jurisdictions.

ARBITRATION OF DISPUTES.

ANY CLAIM, DISPUTE, OR CONTROVERSY (WHETHER IN CONTRACT, TORT, OR OTHERWISE, WHETHER PREEXISTING, PRESENT OR FUTURE, AND INCLUDING STATUTORY, CONSUMER PROTECTION, COMMON LAW, INTENTIONAL TORT AND EQUITABLE CLAIMS) BETWEEN YOU AND US OR ANY OF OUR AFFILIATED ENTITIES OR OURS OR THEIR AGENTS, EMPLOYEES, PRINCIPALS, SUCCESSORS, OR ASSIGNS ARISING FROM OR RELATING TO THESE TERMS, ITS INTERPRETATION, OR THE BREACH, TERMINATION OR VALIDITY HEREOF, OR THE RELATIONSHIPS WHICH RESULT FROM THESE TERM (INCLUDING, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, RELATIONSHIPS WITH THIRD PARTIES WHO ARE NOT SIGNATORIES TO THIS AGREEMENT), SHALL BE RESOLVED EXCLUSIVELY AND FINALLY BY BINDING ARBITRATION in New York, New York. Arbitration proceedings shall be governed by the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (collectively, “AAA Rules”) of the American Arbitration Association (“AAA”), as modified by these Terms, and will be administered by the AAA by a single arbitrator. The arbitrator shall be empowered to grant whatever relief would be available in a court under law or in equity. This Section is subject to the Federal Arbitration Act, 9 U.S.C. sec. 1-16 (FAA), as amended. Any award of the arbitrator shall be final and binding on each of the parties, and may be entered as a judgment in any court of competent jurisdiction. The arbitration proceeding will be limited solely to the dispute or controversy between you and us. YOU ACKNOWLEDGE THAT YOU ARE GIVING UP YOUR RIGHTS TO LITIGATE CLAIMS IN A COURT OR BEFORE A JURY WITH RESPECT TO ANY SUCH CLAIM. Nothing in this Section shall be deemed to prohibit Company from seeking an injunction or other equitable relief in any court of competent jurisdiction to protect or preserve Company’s or Company’s licensors’ rights in and to intellectual property or confidential information.

WAIVER OF CLASS ACTION RIGHTS

IN ANY DISPUTE, NEITHER YOU NOR ANY OTHER PERSON SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS BY OR AGAINST OTHER AFFILIATES OR PERSONS, OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR CLASS ACTION OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. YOU ACKNOWLEDGE THAT YOU ARE GIVING UP YOUR RIGHTS TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO ANY SUCH CLAIM.

DMCA COMPLIANCE

Company is committed to full compliance with the Digital Millennium Copyright Act of 1998, as amended (“DMCA”), at all times and maintain a repeat offender policy which may result in the termination of your right to use the Services if you violate such policy. If you believe that your work has been copied, posted or otherwise made available through the Services in a way that constitutes copyright infringement, please notify our DMCA Copyright Agent of your complaint, as set forth in the DMCA. Please consult the DMCA to confirm these requirements. You must provide our DMCA Copyright Agent with the following information in writing, to the extent required by the DMCA: (a) an electronic or physical signature of the person authorized to act on behalf of the copyright owner that is allegedly infringed; (b) a description of the copyrighted work that you claim has been infringed (or, if multiple copyrighted works on a site are covered by a single complaint, a representative list of the allegedly infringing works on the site); (c) identification of the material that is claimed to be infringing and to be removed, and information reasonably sufficient to permit us to locate the material; (d) information reasonably sufficient to permit us to contact you, such as your address, telephone number and e-mail address; (e) a written statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law; and (f) a statement by you, made under penalty of perjury, that the above information in your notice and complaint is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf. Please be aware that the foregoing information in your complaint may be forwarded to the person who provided the allegedly infringing content. The foregoing information must be submitted to Company’s DMCA Copyright Agent as follows:

PetPremium, Inc
44 Wall St, Suite 505,
New York, NY 10005, USA

Attn: Copyright Agent

Reach Us: by filling out our form here

Pursuant to Section 512(f) of the DMCA, any person who knowingly materially misrepresents that material or activity is infringing may be subject to liability. If you believe that your material has been mistakenly removed or disabled, you may submit a counter notice by notifying our DMCA Copyright Agent at the address provided above. Pursuant to Section 512(f) of the DMCA, any person who knowingly materially misrepresents that material or activity was removed or disabled by mistake or misidentification may be subject to liability.

GENERAL

The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. Company shall not be liable for any failure to perform its obligations hereunder where such failure results from any cause beyond Company’s reasonable control. If any provision of this Agreement is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and enforceable. This Agreement is not assignable, transferable or sub-licensable except with Company’s prior written consent. This Agreement shall be governed by and construed in accordance with the laws of the state of New York without regard to the conflict of laws provisions thereof. Both parties agree that this Agreement is the complete and exclusive statement of the mutual understanding of the parties and supersedes and cancels all previous written and oral agreements, communications and other understandings relating to the subject matter of this Agreement, and that all modifications must be in a writing signed by both parties, except as otherwise provided herein. No agency, partnership, joint venture, or employment is created as a result of this Agreement, and you do not have any authority of any kind to bind Company in any respect whatsoever. Neither you nor we shall be held responsible for any delay or failure in performance hereunder caused by acts of God (or natural disasters), terrorism, strikes, embargoes, fires, war, or other causes beyond the affected party’s reasonable control. You agree that any claim or cause of action arising out of or related to this Agreement or your use of the Services must be filed within two (2) years after such claim or cause of action arose or be forever barred. Use of the Services is void where prohibited by law.

TO THE EXTENT NOT SUBJECT TO ARBITRATION, ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL BE LITIGATED EXCLUSIVELY IN THE FEDERAL OR STATE COURTS OF NEW YORK,NEW YORK, USA, AND YOU CONSENT TO PERSONAL JURISDICTION IN THOSE COURTS.

EFFECTIVE DATE: October 1, 2013.

For questions, please contact us here or call 1 (800) 935-7280.

Privacy Policy

(For details about the United States Fire Insurance Company Privacy Policy, please scroll further down)

This privacy policy was created to let you know what information we collect from you, what we do with it, and to assure you that your information will be respected on our Website: www.petpremium.com owned and operated by ReviMedia (referred to herein as “Provider”, the “Site”, “we” or “us”). The Provider attempts to protect your privacy to the maximum extent possible.

We currently offer users the option to request quotes on pet insurance products (referred to herein as “Services”). By using the Site and the Services, you consent to the following terms.

YOUR VISITATION, USE, AND REGISTRATION ON THIS SITE MEANS THAT YOU ACCEPT THE PRACTICES SET FORTH IN THIS POLICY. WE RESERVE THE RIGHT TO MAKE CHANGES TO THE POLICY AT ANY TIME. YOUR CONTINUED USE INDICATES YOUR AGREEMENT TO THE CHANGES. IT IS YOUR SOLE RESPONSIBILITY TO CHECK BACK REGULARLY FOR UPDATES TO THIS POLICY.

This policy covers the following topics:

  1. What personally identifiable information is collected from you through the Site or the Services;
  2. How the information is used;
  3. With whom the information may be shared;
  4. What choices are available to you regarding collection, use, and distribution of the information; and
  5. How you can OPT OUT of receiving marketing information from or providing personal information to Provider.
  6. How you correct errors or inaccuracies in your information.

1. What information do we collect?
We collect several different types of information from you:

A. Information collected at registration
We collect personal information when you register with us and when you use our Services. We may combine this information about you with information we obtain from our business partners or other companies. During registration for some of our services, we may require users to give us basic contact information (such as your first and last name, e-mail addresses, and mobile phone number). We also collect Payment information such as bank account information or credit card information. The information requested on the registration form may change from time to time. Although additional demographic information may be requested at the time of registration, only information marked “required” is necessary for registration and utilization of our services.

We do not accept registrations from persons under the age of eighteen. If you are between the ages of 16-18 you must have your parent’s approval to register. If we learn that a user is under the age of eighteen without valid parental approval, we will terminate the account and delete the user’s information. We will not be liable for any content or advertisements viewed by minor children in violation of the terms of this policy.

In compliance with the Children’s Online Privacy Protection Act (COPPA), the Site is not directed at or designed to attract children. Accordingly, we do not knowingly or intentionally collect personally identifiable information from anyone under 13 years of age.

B. Information collected through use of the Site and Services
In addition to the specific questions you answer when you register for our Services, we may also collect information from winners of our contests, such as their street address, phone number, and date of birth so that we can comply with various state and federal reporting requirements.

As is true of most web sites, we gather certain information automatically and store it in log files. This information includes Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.

We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you and to improve marketing.

Technologies such as: cookies, beacons, tags and scripts are used by ReviMedia and our marketing partners, affiliates, or analytics or online customer support providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

We use cookies for our shopping cart, to remember users’ settings (e.g. language preference), and for authentication. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

We and third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML 5 to collect and store information.

Various browsers may offer their own management tools for removing HTML5 LSOs.

We partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here. Please note this does not opt you out of being served ads. You will continue to receive generic ads.

2. What do we do with the information we collect?
Without limiting the foregoing, by providing your personal information on the Site, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the “Rule”) and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, and/or on applicable state do-not-call lists, we retain the right to contact you via telemarketing, including by means of a pre-recorded message and automated voice dialing, in accordance with the Rule and the applicable state do-not-call regulations.

Your acceptance of the terms and conditions of this Site constitutes your express written consent to receive telemarketing calls from third-party marketers, including by means of a pre-recorded message and automated voice dialing. Your consent will be effective regardless of whether the number you have provided: (a) is a home, business, or cell phone line; or (b) is or will be registered on any state or federal Do-Not-Call (DNC) list, and such consent shall remain in effect until you revoke your consent by contacting us, as described in Section 5 (“OPT OUT”).

You further consent to receive autodialed and/or pre-recorded telemarketing calls from or on behalf of Provider and Provider’s third-party marketing partners at the telephone number you provide to us, including your wireless number, if applicable. You understand that consent is not a condition of purchase.

We use the information we collect from you to do the following:

  • provide the Services to you,
  • confirm your agreement with us for use of the Services,
  • improve our Services,
  • award contest prizes,
  • customize certain pages or Services for you, and
  • send you newsletters, promotional information, and updates.

3. With whom do we share information?
We will share your personal information with third parties only in the ways that are described in this privacy policy. We do not sell your personal information to third parties.

  • We may disclose such information to third party vendors (e.g., data storage and processing facilities) that we use to assist us in providing our services, subject to similar obligations of confidentiality to those contained in this Privacy Policy. These companies are authorized to use your personal information only as necessary to provide these services to us.
  • We may disclose the name of winners of our contests as may be required by law on our Site and in winner’s lists.
  • We may also disclose information about you as we believe is reasonably necessary to comply with laws such as to comply with a subpoena, regulations, court or administrative orders. When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
  • We may disclose your personal information upon a transfer or sale to another entity of all or substantially all of our stock or assets in the line of business that this privacy policy relates or upon any other corporate reorganization. You will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
  • With your permission, we will provide your personal information to other companies so that they can market their products or services to you.
  • With your permission, we may also share aggregate demographic and other information regarding use of our Services with third parties for marketing and other purposes.

4. Access to your account
If your personal information changes, or if you no longer desire our service, you may update, amend, delete/remove, ask to have it removed from a public forum, directory or testimonial on our site or deactivate it by making the change on our member information page or by emailing our Customer Support here or by contacting us by telephone or postal mail at the contact information listed below.

5. OPT OUT
By submitting your information to us, you are consenting to receive marketing communications from Provider and its third party marketing partners. If, after you have shared your information with us, you decide that you do not want to receive marketing communications from Provider, you can discontinue the communications by emailing us here with the phrase “opt out” (or similar language) in the subject heading, or by calling 1 (800) 935-7280. You may also send opt-out requests to the following address:

PetPremium, Inc
44 Wall St, Suite 505,
New York, NY 10005, USA

If you have registered or submitted information under more than one email account, you must submit separate opt-out requests for each account.

We may provide information to third parties, and third parties may independently collect information about users. Information shared with, or collected by, these third parties is subject to those third parties’ policies governing use and disclosure of personal information. Users should contact those third parties directly if they do not wish to receive communications from them, do not want those third parties to collect information about them, or wish to take any other actions with regard to such information.

6. Data Retention
We will retain your information for as long as your account is active or as needed to provide you the Services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

7. Other websites
Our Site may contain links to other websites. We cannot be responsible for their content or for personal information you may choose to share with them. Please note: any information you release directly to parties who provide services to us, such as any vendors who advertise on our Site or Services, may be subject to different rules of use or disclosure. We encourage you to investigate the privacy policies and practices of any third parties prior to disclosing personal information to them.

8. Security
Your privacy is important to us and we take commercially reasonable measures to protect the security of the personal information we collect both during transmission and once we receive it. Because this site does not encrypt incoming e-mail, you should not send information that you consider highly sensitive through this Web site. We use commercially reasonable security measures to ensure that your personally identifiable information is not lost, misused, altered, or unintentionally destroyed. We also use software programs that monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage. Except for authorized law enforcement investigations, no attempts are made to identify individual users or their usage habits. No method of transmission over the Internet, or method of electronic storage is 100% secure, however. Therefore, we cannot guarantee its absolute security.

When you enter sensitive information such as bank account or credit card information on our site, we encrypt the transmission of that information using secure socket layer technology (SSL). If you have any questions about security on our Web site, you can contact us here.

9. Disclaimer Notice
The Provider makes no claims, promises or guarantees about the accuracy, currency, completeness, or adequacy of the contents of this Web site and expressly disclaims liability for errors and omissions in its contents. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given with respect to this Web site, the Services or its links to other Internet resources.

10. Social Media Widgets
Our Web site includes Social Media Features, such as the Facebook Like button [and Widgets, such as the Share this button or interactive mini-programs that run on our site]. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

11. Single Sign-On
You can log in to our site using sign-in services such as Facebook Connect or an Open ID provider. These services will authenticate your identity and provide you the option to share certain personal information with us such as your name and email address to pre-populate our sign up form. Services like Facebook Connect give you the option to post information about your activities on this Web site to your profile page to share with others within your network.

12. Testimonials
We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us here.

13. Referral
If you choose to use our referral service to tell a friend about our site, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. ReviMedia stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program.

Your friend may contact us here to request that we remove this information from our database.

14. Endorsement Disclaimer
When visiting our Site, your Web browser may produce pop-up advertisements. These advertisements are typically produced by other Web sites you visited or by third-party software installed on your computer. The Provider does not endorse or recommend products or services you may view when you receive a pop-up advertisement on your computer screen while visiting our site.

Reference in the Site to any specific commercial products, processes, or services, or the use of any trade, firm, or corporation name is for the information and convenience of the public, and does not constitute an endorsement or recommendation by the Provider.

15. Notice of changes
We may update this privacy policy to reflect changes to our information practices. If we make any change in how we use your personal information we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

16. Your California Privacy Rights.
Under California’s “Shine the Light” law, California residents who provide personal information in obtaining products or services for personal, family, or household use are entitled to either: (1) a list detailing the categories of information shared and the entities to which such information was provided; or (2) to be notified of a mechanism by which a consumer may opt-out of having their information shared with third parties. We have elected the second option. To opt-out of having your information shared with third parties, please see instructions in Section 5 (“OPT OUT”).

 

United States Fire Insurance Company Privacy Policy

PetPremium pet insurance plans are underwritten by United States Fire Insurance Company and administered by Fairmont Specialty Insurance Agency (FSIA Insurance Agency in CA), affiliates within the Crum & Forster Enterprise  (collectively, “C&F” or “Crum & Forster”)¹ and these Privacy Principles guide Crum & Forster’s conduct in the collection, use, release and security of personal and confidential information it obtains as part of its business of providing, producing and servicing commercial and personal lines insurance products, including underwriting, policy administration, insurance claims adjusting, production, appraisal and loss control services. These principles define Crum & Forster’s commitment to the privacy and integrity of the information it accumulates, manages and stores.

Who collects and has access to non-public personal information?

Personal information may be collected by and/or shared with employees of Crum & Forster or by any of Crum & Forster’s authorized representatives, attorneys, or others who provide services to Crum & Forster in connection with providing, producing and servicing its commercial and personal lines insurance products, such as claims administrators, independent appraisers, managed care providers, systems vendors, or similar service providers. Crum & Forster requires service providers to honor the privacy principles in the handling of non-public personal information obtained through its business relationship with Crum & Forster. Additionally, Crum & Forster may disclose information to third parties as allowed or required by law. For example, information may be released to comply with a statutory reporting requirement or in response to a subpoena or other order or inquiry of a court, regulator or governmental agency or to fulfill C&F’s obligations to its insurers or reinsurers.

Crum & Forster may make certain non-public personal information available to affiliate organizations or partners that provide goods, programs or services that will assist Crum & Forster in the servicing of your account and products it provide you. Crum & Forster uses very strict standards in determining which reputable companies become partners to ensure that such organizations are committed to the protection of visitors’ privacy and committed to the goals of Crum &Forster.

Why does Crum & Forster need personal information and what does it do with it?

Crum & Forster limits the collection, disclosure, and use of customer information to only what is needed to properly produce, underwrite and service its insurance products, and/or to fulfill legal or regulatory requirements. Crum & Forster collects personal information solely for conducting its business of marketing, producing, underwriting, servicing and administering its insurance products including, but not limited to:

  • Promoting insurance and pet related products
  • Producing business through its affiliates and producers
  • Underwriting and renewal of its commercial and personal lines insurance products
  • Claims handling and adjusting, including investigation and payment of claims
  • Claims administration and reporting
  • Fraud detection and prevention
  • Loss Control
  • Complying with the law and statutory reporting requirements
  • Business activities that Crum & Forster may legally undertake

Crum & Forster does not sell information to any third parties.

What types of information are collected?

The type of information that Crum & Forster collects varies according to the insurance product involved, and may include information C&F receives from you on applications and other forms; information C&F receives from your employer; information C&F receives from other sources such as motor vehicle reports or other insurance support organizations or medical providers.

Safeguarding Your Privacy

Access to non-public personal information is limited to those employees, and authorized representatives, attorneys and service providers of Crum & Forster, an affiliate organization, or partner who specifically need such information to conduct their business responsibilities. If you conclude your relationship with C&F, C&F will continue to safeguard your privacy in accordance with the standards described in this notice. C&F maintains physical, electronic and procedural safeguards to protect non-public personal information.

Questions?

If you have any questions concerning our Privacy Principles, please contact the General Counsel’s Office at:
Crum & Forster
Attn: General Counsel
PO Box 1973
305 Madison Avenue
Morristown, New Jersey 07962

¹ Hartville Pet Insurance Group, C&F and Crum &Forster are trademarks of United States Fire Insurance Company.

 

Last updated: December 30, 2015.

Reach Us

Welcome pet lover! If you’ve got any questions, just drop us a message or call us. We look forward to hearing from you. We think it is pawsome that you want to reach our team. Fill out our form below and we’ll contact you as soon as possible.

PetPremium, Inc.

44 Wall St., Suite 505, New York, NY, 10015, USA
Contact us 1 (800) 935-7280
Follow us @PetPremium

Send us a question:

Pet Insurance Guide

Our goal is to help in keeping your pet healthy, happy and protected. PetPremium has created an easy to understand pet insurance guide that will explain the ins and outs of pet insurance. It covers topics as 5 myths about pet insurance, and pet insurance compared to human healthcare. This informative pet insurance guide will teach you everything you should know about pet insurance to be able to compare pet insurance providers and to select the best pet insurance plan for your four-legged family member and for you.

We are constantly improving our service and love to see happy clients and wagging tails. You can read our latest pet insurance reviews to see why our clients choose PetPremium.

[PIG_TABS]

Coverage Plans

5 Things to Consider in a Pet Insurance Policy

Pet health insurance provides coverage for the veterinarian care to treat sick or injured animals. This helps you focus more on your pet’s care and less on your finances. Finding the right policy is important as it can help provide the best healthcare options for your pet and delivers the best value for the cost. Time spent comparing pet insurance can help you save money and help you locate the coverage you want for your four-legged friend.

5 Things to Consider in a Pet Insurance Policy
  • Coverage

Another important factor in the pet insurance comparison is coverage. What medical care does the policy cover and are there limitations? Some policies only cover treatments related to accidental injury while others may cover illness.

  • Ongoing Conditions

Some illnesses require extended veterinarian treatment. When making a pet insurance comparison, review how the pet insurance carrier handles ongoing conditions.

  • Specialists

Modern veterinarian medicine now includes specialized treatment. It is not unusual for a vet to refer a severe health problem or injury to a specialist in that field. Compare coverage plans to know if this type of service is covered.

  • Preventative Medicine

The best health care catches health problems before they become a serious issue. When making a pet insurance comparison, check to see if routine annual physicals are covered. The coverage increases the likelihood the owner will take the pet in for its checkup. This can increase the dog or cat’s general health and possibly even increase the animal’s life span. Learn more about Cat Insurance , Dog Insurance and their main differences by clicking here. Visit our most Frequently Asked Questions!

Home

5 Myths About Pet Insurance

The perception of pet insurance is wrought with myths and untruths. Pet Insurance helps pet owners to prepare financially for unexpected accidents and illnesses.

Pet Insurance Myths

If you are considering purchasing one of PetPremium pet insurance
plans
for your pet, it is important to not fall victim to misinformation. Here are the top five myths regarding 
pet insurance:

  • Pet Insurance Providers Will Pick Your Veterinarian
    Unlike human HMO’s or PPO’s, pet insurance plans do not require that you visit a specific veterinarian. Because
    you deal directly with the insurance company, you are free to continue visiting the veterinarian of your choice.
    Read more here.
  • Pet Insurance is Expensive
    Pet
    insurance rates
    vary among providers. The age at which you insure your pet will have an
    impact on your rates, as with its species and breed.
  • I Can Save for Veterinarian Bills
    The truth of the matter is this: even with the best intentions, people rarely maintain a savings account for
    their pet’s health needs. Medical costs can add up quickly for your pet,
    especially in the cases of an accident or acute illness.
  • It is Difficult to Get Reimbursed
    Many pet owners believe that it is difficult to get reimbursed by pet insurance companies. Though rates vary,
    each insurance company works in primarily the same manner. You visit your veterinarian, the veterinarian
    provides treatment, you pay for the services rendered, and you fill out an insurance claim form. You mail or fax
    the claim form with itemized receipts and wait for approval. It typically takes about two weeks to process a
    claim.
  • Choosing the Right Plan is Confusing
    If you spend just a single afternoon shopping for coverage, choosing a plan is not confusing. You can find pet insurance reviews online and there
    are pet insurance comparison sites available to you as well. As with any insurance policy, conducting a fair
    amount of research is essential to finding the pet insurance
    plan
    that best meets the needs of you and your companion animal.

If you have a cat or dog, it’s in your best interest to research pet
insurance
. Many owners have been able to afford costly, procedures for their pets thanks to their insurance policies. If you have any question as to whether you will be able to afford your pets care, strongly consider purchasing.

Do you want to learn more? Just click
here
and see our the most frequently asked questions!

Pet Insurance Glossary

Accident
A sudden, unexpected or unintended action or event with a specific time and place that results in Injury to your pet.

Administrator
The company administering the policy.

Alternative Therapy
Treatment or medication that does not generally fall within the realm of conventional veterinary medicine including but not limited to the following types of therapy: acupuncture, chiropractic, holistic, homeopathic, hydrotherapy, physiotherapy or rehabilitative.

Behavioral Problem
A condition, either social or medical, that results from your pet’s action, inaction, or temperament that is abnormal, dysfunctional, or unusual, such as but not limited to aggression, excessive chewing or licking, or separation anxiety. Learn more about other common behavior problems here.

Behavioral Therapy
Prescription medication, treatment, training, or behavioral modification training aide(s) that is used to treat a behavioral problem.

Condition
Illness, disease, injury or change to your pet’s health that may or may not show symptoms or have been diagnosed (including but not limited to diagnosed or un-diagnosed pre-existing, hereditary or congenital conditions). Visit our health conditions library!

Conformational Defect
Any abnormality in your pet’s physical form or structure.

Covered Expenses
Usual and customary costs for expenses that are eligible for coverage under your policy.

Cured
The point at which a pet is free from a condition.

End of Life Expenses
Means the expenses for euthanasia and cremation.

Hereditary, Genetic, or Congenital Condition
Illness, defect, disorder or disease that is present from birth, inherited by your pet or to which your pet is predisposed through hereditary or genetic factors. A list of these conditions is available upon request.

Illness
Any sickness, disease or medical condition not caused by an accident or injury, or behavioral problem.

Incident
All treatments for a condition including related, secondary or resultant conditions regardless of whether the condition requires multiple treatments.

Incident Limit
Maximum amount payable during the policy period for all covered expenses that result from one incident.

Injury
Bodily harm caused by an Accident while this policy is in force.

Occur or Occurrence
When signs or symptoms related to a condition first become obvious, including when your dog or cat first shows signs or symptoms related to a condition that a veterinarian could have diagnosed or treated.

Pet
Dog or cat described on the declarations page that you own and that resides with you.

Policy Period
The period of coverage as specified on your declarations page.

Pre-Existing Condition
Illness, disease, injury or change to Your Pet’s health which first occurs or shows symptoms:
a) before coverage is effective
b) during a waiting period
c) before the current policy period.

This includes conditions that are related to, secondary or, resultant from a pre-existing condition.

Usual and Customary Costs
Typical fees or costs that like veterinarians charge based on available veterinary fee information and proprietary data.

Symptom
Any change in Your pet’s state of health, normal function, behavior or appearance. Visit our Symptoms Checker for more information.

Treatment
Care that Your veterinarian administers. This includes but is not limited to anesthesia, consultations, examinations, hospitalization, laboratory tests, nursing, MRI or CT scans, surgery and X-rays.

Wellness Care
Treatment or diagnostics that are customarily considered preventive in nature where there is no underlying Illness or Injury, may include but is not limited to wellness examinations, coronavirus vaccines, canine distemper (also referred to as “DHLPP” for distemper, hepatitis, leptospirosis, parvo, and parainfluenza) or feline distemper (also referred to as “FVRCP” for feline viral rhinotracheitis, calicivirus, and panleukopenia) combination vaccines or titers, fecal tests, heartworm tests, rabies vaccines, spaying or neutering, bordetella vaccines, dental cleaning, feline infectious peritonitis vaccines, feline leukemia tests and vaccines, canine lyme disease vaccines, flea and heartworm preventive medications, and microchipping.

Pet Insurance Glossary & Terms

*Pet owners in New York get a pro-rated refund.

Get a Quote!

Get A FREE, No Obligation Pet Health Insurance Quote within 5 Minutes