Job Description

JOB DETAILS:

TITLE: Pet Underwriter

LOCATION:- Fully Work from home, 92602 DURATION: 12+ months with possible extension

WORKING HOURS: 8 hours/day || 40 hours in a week

KEY RESPONSIBILITIES:

·        Uses veterinary clinical judgement in accepting, modifying or rejecting risks based on a review of medical reports, claims

·        activity, file information and nature of medical condition. Understands and adheres to rating plans.

·        Evaluates and rates applications requiring additional evidence of insurability.

·        Determines the need for and authorizes the ordering of clinical information, attending physician reports, claims reports and other necessary information. Protects the confidentiality of all underwriting documentation and information obtained throughout the underwriting process.

·        Analyzes requests for exceptions to underwriting policy and develops rationale to support the decisions made. Consults with management and sales staff regarding issues related to risks, enrollment and renewal of various policy risks.

·        Conducts policy review audits to ensure compliance with Pet underwriting policies and procedures. Confirms pre-existing conditions were not overlooked, requests additional information as needed. Removes pre-existing conditions when applicable.

·        Implements/adheres to underwriting processes. Identifies gaps and makes recommendations for solutions.

·        Contributes to refinement and development of underwriting guidelines, policies, and procedures.

·        May train or communicate with underwriting staff to implement modifications.

·        Promotes cooperative working relations in support of underwriting objectives with other functional areas (e.g. sales, Customer Care, Vet Services, Claims, etc...)

·        Maintains working knowledge of veterinary underwriting materials, manuals, rules, regulations, reference guides, procedures and practices pertaining to the underwriting of pet insurance.

·        Maintains working knowledge of all underwriting systems to conduct business, provide exceptional customer service to all internal/external customers.

·        Supports and assists in meeting goals and objectives for underwriting turnaround times

·        Performs other duties as assigned.

TYPICAL SKILLS AND EXPERIENCES:

EDUCATION:

·        Undergraduate degree in biology, zoology or related animal science preferred.

EXPERIENCE:

·        Typically requires 3-5 years of experience in veterinary insurance underwriting or related insurance experience.

·        Prefer experience working in a veterinary clinician role in a veterinary medical office or hospital.

LICENSE/CERTIFICATES:

·        Relevant professional designation such as CVT, RVT. CPCU highly desirable

KNOWLEDGE, ABILITIES, AND SKILLS:

·        Proven ability to understand and interpret medical records and supporting clinical documentation (i.e. written, verbal, diagram or schedule form, etc.).

·        Demonstrated ability to read, analyze, and interpret veterinary medical, scientific and technical journals, financial reports and insurance policy contract language.

·        Demonstrated decision-making and strategic abilities. Interpersonal skills to work collaboratively with cross-functional teams (i.e. sales, customer service, veterinary services, etc.) and physicians, hospitals, regulatory agencies, etc. Effective verbal and written communication skills to respond to inquiries or complaints from fellow Pet employees, policyholders, regulatory agencies or members of the veterinary community.