Underwriter; Pet & Health

Role Summary

Own end-to-end clinical underwriting decisions for pet insurance, ensuring accurate risk selection, fair outcomes, clear client communication, and audit-ready documentation—across sales, online applications, moving-insurer cases, and post-claim loadings.

Key Responsibilities

Core Clinical Underwriting

· Assess disclosed conditions (including “Other”) and apply appropriate underwriting outcomes (exclusions, loadings, or standard acceptance).

· Document clear clinical rationale in Questions/Condition Notes and underwriting fields.

· Ensure decisions align with underwriting appetite, product rules, and fair treatment standards.

Sales & Online “Other” Workflows

· Review cases routed from Pending QA or online Advanced Underwriting.

· Perform Correction Calls where required to explain outcomes and obtain acceptance.

· Finalize policies to New once all requirements are met.

Moving from Another Insurer

· Request and evaluate proof of cancellation and prior cover confirmation (and claims history where needed).

· Assess whether the 60-day illness waiting period may be waived, based on continuity and risk.

· Communicate decisions and rationale to clients; record acceptance.

Post-Claim Underwriting

· Review approved claims referred by Claims Assessors; determine and apply post-claim premium loadings.

· Conduct Correction Calls; issue written confirmation and updated policy schedules.

Communication, Quality & Compliance

· Deliver clear, empathetic client explanations in plain language.

· Maintain high-quality notes, evidence of acceptance, and compliant document handling.

· Participate in peer reviews, audits, and continuous improvement initiatives.

Collaboration

· Work closely with Sales QA, Claims, and Ops to resolve data gaps, streamline routing, and improve client outcomes.

· Provide feedback to Product/Policy on trends (conditions, claims, and risk appetite).