Patent ID: 8762179

Claim:
A computer-implemented method for insurance enrollment and underwriting, comprising: displaying on a display of a computer system a first user interface with one or more controls configured to receive user input to specify a breed of a pet to be insured and to specify one or more health conditions of the pet in an enrollment application for pet health insurance; receiving on the computer system data representing the breed of the pet and one or more health conditions specified through the first user interface; electronically processing on the computer system the data representing the one or more health conditions and electronically flagging each condition as a condition that is acceptable, precluded, or for manual review, wherein the flagging is based on the breed of the pet; calculating on the computer system a geographic insurance rating, including: identifying a location associated with the pet; identifying a geographic risk zone; comparing the location to the geographic risk zone to determine if the location is at least partially within the geographic risk zone; and calculating an insurance rating according to the comparison; calculating on the computer system a dollar limit of coverage for each of a plurality of diagnoses in lieu of one or more exclusions, the plurality of diagnoses including one or more diagnoses related to the breed of the pet and one or more of the health conditions, wherein calculating a dollar limit of coverage includes calculating a dollar limit of coverage for each of the plurality of diagnoses based at least in part on the geographic insurance rating; where all conditions are flagged as acceptable or determined to be acceptable following a manual review, packaging an active insurance policy on the pet, wherein the insurance policy includes coverage for each of the plurality of diagnoses up to each diagnosis' corresponding dollar limit of coverage; and displaying on the display a second user interface presenting information indicating approved enrollment, if all of the conditions are flagged as acceptable.