The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. Visit ourdog insuranceandcat insurancepages for more information about plans. More information is available at checkout. Pets covered: Dogs, cats. If you are moving to a new state, please contact the Customer Service team at 1.800.905.1595. The Spot Pet Insurance Platinum Preventative Care costs $25 per month while the Spot Pet Insurance Gold Preventative Care costs $10 each month. You're reimbursed for up to 90% of eligible expenses, up to the annual maximum, for the diagnosis and treatment of your pet by a vet. In all events, the sole maximum liability of Sponsor and its affiliates shall be limited to any of the prize(s) set forth herein. " in 2 reviews Get treatment and pay the bill. We may decide to not renew your coverage at the end of any policy period. CHOICE OF LAW. SPOT is an insurance producer licensed in your state. (NPN # 19246385) 2023 United States Fire Insurance Company. Prizes cannot be assigned, transferred, exchanged or otherwise redeemed. In this article, were covering everything you need to know in case you decide to cancel your pet insurance policy, including how to submit requests, what costs you might pay, and other key considerations. Twitter specialist. 1.1 SPOTs Intellectual Property. There is no waiting period for preventive care coverage if you choose to add it to your plan. Compensation will be paid to the producer, based on the insurance contract the producer sells. Visit our pet insurance FAQ page now . SPONSOR. If you decide to cancel your policy, everything your four-legged friend has been treated for while they were insured will be considered a pre-existing condition by other insurers. You acknowledge that SPOT is the exclusive owner of the Offerings and that the Offerings are the proprietary Intellectual Property of SPOT.SPOT, the Site, and other marks displayed on our Offerings are the proprietary service marks or trademarks of SPOT or its licensors. Pet Insurance plans provided by Spot do not cover pre-existing conditions. Preventive Care reimbursements are based on a schedule. Sponsor is not responsible for any problems or technical malfunction of any telephone network or lines; computer online systems, servers, or providers; computer equipment; software; or failure of e-mail or entry on account of technical problems or traffic congestion on the Internet or at any Web site or combination thereof, including injury or damage to participants or to any persons computer related to or resulting from participating in this Sweepstakes, downloading materials from Sponsors Web site. The process will mostly depend on when you cancel, but it is fairly straightforward. Required fields are marked *. West Palm Beach, FL 33401. You agree that you have read, understand, and agree to all terms applicable to you, which are contained herein. The winner will be announced January 10, 2023. Most pet insurance companies have a 30-day money-back guarantee period, also known as a 30-day free look period or cooling-off period. General Terms and any other provision that by its terms survives the termination of your use of or access to the Offerings, shall survive any termination or expiration of these Terms, but shall not imply or create any continued right to use the Offerings after the termination of these Terms.5.6 Legal Fees. Sponsor is not responsible for any incorrect or inaccurate information, whether caused by Web site users or by any of the equipment or programming associated with or used in the Sweepstakes or by any technical or human error that might occur in the processing of Sweepstakes Entries. Questions? SPOT ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWING IN THE SITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT IMAGES, VIDEO OR AUDIO FROM THE SITE.CERTAIN STATE LAWS MAY NOT PERMIT LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN TYPES OF DAMAGES, AND THUS SOME OR ALL OF THE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS ABOVE MAY NOT APPLY TO YOU.4.3 Arbitration. ALL CLAIMS MUST BE BROUGHT IN THE PARTIES INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, AND, UNLESS WE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSONS CLAIMS. Theres no Open Enrollment period, you can buy and drop pet insurance at any time. This website (Site) and SPOT Pet Insurance Services, LLCs products, applications and services (collectively, the Offerings) are owned by SPOT Pet Insurance Services, LLC, a Delaware limited liability company (SPOT) and are provided subject to the terms set forth herein. Unless you notify us that you want to cancel or we advise that your policy will not be renewed, we will automatically issue you a new policy at the end of each policy period. Your continued purchase and/or use of the Offerings following posting of any revised Terms will constitute acceptance of the modified Terms. The 30-day money-back guarantee is available if no claims have been covered. Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. You can also check on the status of your claims anytime by clicking on the claims icon. By submitting an entry or accepting a prize, where permitted by law, each winner grants to Sponsor (and agrees to confirm that grant in writing) and those acting pursuant to the authority of Sponsor the irrevocable right without any further notice, review or consent to print, publish, broadcast, distribute, and use, worldwide in any media now known or hereafter developed, including, but not limited to, the World Wide Web, in perpetuity and throughout the universe, his/her Entry, including, without limitation, the entry and winners name, portrait, picture, voice, likeness, image or statements about the Contest, and biographical information as news, publicity or information and for trade, advertising, public relations and promotional purposes without any further compensation. Click the Claims icon and follow the simple instructions. Does the plan have any waiting periods? However, you cant simply stop paying the monthly premiums; you will need to contact your pet insurance provider first. Subject to all federal, state, and local laws. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability or otherwise violate any law. For cats, they can choose either a $7,000, $15,000, or Unlimited annual limit. How long does spot take to process claims? Once your appeal has been received, you will receive an email confirmation. Spot 24/7 VetAccess Tele-health. If, on the other hand, you have chosen to make monthly payments, you will need to continue paying premiums for the remaining insurance period. Possibility of chronic illness onset. The Privacy Policy is incorporated herein by reference.SPOT reserves the right to make changes at any time to the Offerings or these Terms. Trupanion pet insurance for a cat (a under one-year-old male domestic shorthair) costs $30.88 per month for a $500 deductible. You can enroll your pet in plan from Spot as soon as theyre 8 weeks old. Healthy Paws Pet Insurance & Foundation is the brand name for the program operations of Healthy Paws Pet Insurance, LLC. California License #6000188 Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Based on a comparison of top pet insurance companies on ConsumerRating.org. Pumpkin has a single insurance plan that applies for both dogs and cats. By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances! ELIGIBILITY. At any time and for any or no reason, SPOT may modify or discontinue some or all of the Offerings. Additionally, your premium will be affected by your pets age each year, as the risk for more costly claims grows higher. Penalties include imprisonment and/or fines. How it works Track your claims at home and on the go with our convenient online portal. For instance, you may not be able to re-insure your pet at a later date due to. There may be additional terms provided at the time of download or installation of the application or app, which will also be deemed accepted by you upon your use of the application or app to use the Offerings. These necessary increases provide you the opportunity to get help offering your pet the best medical treatment options available for eligible conditions. Such goals are typically based on the total amount of certain insurance coverages placed with the insurance underwriter or the overall performance of the policies placed with that insurance underwriter, not on an individual policy basis. For additional information, please call to speak with a licensed insurance agent at 1.800.905.1595. To cancel your pet policy, contact Petplan at 1.844. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. Each of the wellness plans costs extra, obviously. 3. To process this request, you will need to submit proof of new ownership, including the new owners full name, address, and phone number. To review the plan best for you, click here. They do not purport to, and shall not be deemed to, define, limit or extend the scope or intent of the clauses to which they pertain.5.5 Survival of Certain Provisions. Once you have a pet insurance policy, your dog or cat will be covered for life. If you do not agree to be legally bound by these Terms, you are not permitted to purchase and/or use the Offerings.SPOT may offer the Offerings through applications or apps. When you add preventive care coverage, youll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. Trupanion Pet Insurance: Best for No Coverage Limits. Penalties may include imprisonment, fines, denial of insurance and civil damages. To cancel your pet policy, contact Petplan at 1.844. Pre-existing conditions are not covered. Will I lose money if I cancel my pet insurance policy? This can cause stress related to your family finances or compromise the quality of veterinary care your canine or feline companion receives. You will also need to update your billing address there as well. Claim repayment averages 10-14 business days, and direct deposit and check are options. Click For Price Claims Form Download our latest claims form below. No aspect of the Offerings is intended to provide, or should be construed as providing, any legal advice of any kind. Many owners without pet insurance are faced with the decision to pay for expensive vet treatment and seriously damage their family budget or end their pets life. Lemonade has the cheapest. You can buy a cover for your pet in any of the 50 states and Washington, D.C. We discuss the plans below. Your pets correct age may be validated when reviewing your pets medical records. For plans other than Preventive Care,. ANY VIOLATION OF THESE OFFICIAL RULES BY ANY WINNER (AT SPONSORS SOLE DISCRETION) WILL RESULT IN SUCH INDIVIDUALS DISQUALIFICATION AS A WINNER AND ALL PRIVILEGES DUE SUCH INDIVIDUAL WILL BE IMMEDIATELY TERMINATED AND AN ALTERNATE PRIZE WINNER WILL BE SELECTED. Sponsor is not responsible for incorrect, inaccurate or incomplete entry of information or for entries which are garbled, damaged, incompletely received, otherwise defective or lost due to any reason, all of which will be voided. Wagmo is a pet insurance plan that works for both dogs and cats, and while it offers a range of customizable features, its best attributes include: Short, 15-day waiting period. Accident & Illness coverage reimbursements are based on the invoice. To appeal your claim simply email your request and supporting documentation to service@customer.spotpetins.com. Pet insurance is the best way to ensure that your pet is protected without worrying about spending large sums of money, so be sure to consider all your options carefully. Based on this rating, Spot is on NerdWallet's list of the Best Pet Insurance Companies. 3.1 No Medical Advice Provided. Wannabe travel nerd. How Much Does Spot Pet Insurance Cost? Trupanion dog insurance costs $70.12 per month for a $500. Find the right vet at your local PetSmart store. Pet insurance is for paw-rents seeking a financial safety net for accidents or illnesses that their pets might experience in the future. Does Pet Insurance Cover End of Life Expenses? Your email address will not be published. SPOT IS NOT RESPONSIBLE FOR THE CONTENT OF ANY THIRD-PARTY PRODUCTS, NOR DOES IT MAKE ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING ANY THIRD-PARTY PRODUCT AND SPOT SHALL HAVE NO LIABILITY OF ANY NATURE WHATSOEVER IN RELATION TO ANY OF THE FOREGOING.2.4 Content on the Site. The best thing you can do is ensure that you research pet insurance companies very closely before enrolling in pet insurance. Email requests may go to help@gohealthypaws.com. The insurance purchaser may obtain information about compensation expected to be received by the producer based in whole or in part on the sale of insurance to the purchaser, and compensation expected to be received based in whole or in part on any alternative quotes presented to the purchaser by the producer, by emailing reply@spotpetins.com and requesting compensation information.In placing, renewing, consulting on or servicing your insurance coverages SPOT and its affiliates may participate in contingent commission arrangements with the insurance underwriter that provide for additional contingent compensation, if, for example, certain underwriting, profitability, volume or retention goals are achieved. You may not use, copy, modify or display any of the trademarks, service marks, names or logos appearing on the Site without the express written permission of the trademark owner.Nothing in these Terms shall be deemed to grant to you or any other user any license or right in or to any copyright, trademark, trade secret or other proprietary right of SPOT or its licensors.1.2 Your Information. You can file a claim online or on the Spot insurance app by clicking the claims icon and uploading a. It offers best-in-class 100% reimbursement for covered expenses with . With pet insurance, you will be getting the best value for your four-legged friend while keeping them healthy and happy. Canceling coverage for one of your pets might increase the cost of coverage for your other pets. Such compensation may vary depending on a number of factors, including the insurance contract(s) and the insurer(s) the purchaser selects.In addition, SPOT may charge a fee for administrative services. 303 Banyan Blvd, Suite 101. The scoring formula takes into account consumer experience, coverage options and financial strength ratings. The first factor is when you cancel your policy. These Terms, together with the Privacy Policy, or any amendments you may enter into with SPOT in connection with the Offerings, shall constitute the entire agreement between you and SPOT concerning the Offerings. NOTICE TO WASHINGTON APPLICANTS:It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Figo Pet Insurance: Best for 100% Reimbursement. While your cat or dog might be perfectly healthy at the moment, unexpected veterinary expenses can arise at any time. West Palm Beach, FL 33401. You dont have to satisfy your deductible before you can be reimbursed for preventive care coverage benefits, and there is no waiting period for them either. Our Vet Care Providers. See the breakdown of what Spots Preventive Care plan options cover:https://Spotpetins.com/sample-policy/. Award Winning Pet Insurance Pet insurance for many more moments together From emergency treatment to preventive care, we make giving your pet a healthier life accessible and affordable for all. .css-1ew3ln7{-webkit-text-decoration:none;text-decoration:none;color:#3f6587;color:#212529;}.css-1ew3ln7:hover{color:#3f6587;-webkit-text-decoration:underline;text-decoration:underline;}How Pet Insurance Works. This website (Site) and SPOT Pet Insurance Services, LLCs products, applications and services (collectively, the Offerings) are owned by SPOT Pet Insurance Services, LLC, a Delaware limited liability company (SPOT) and are provided subject to the terms set forth herein. The role of the producer in any particular transaction involves one or more of these activities. NOTICE TO MARYLAND APPLICANTS:Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Pet health insurance policies are primarily designed to cover accidents and illnesses. Instead of canceling your policy, consider changing the level of coverage of switching insurers. No aspect of the Offerings is intended to provide, or should be construed as providing, any investment, tax or other financial related advice of any kind. Plans are produced and sold by: Spot Pet Insurance Services, LLC. Barney's pet health insurance Policy. Although SPOT may from time to time monitor or review discussions, chats, postings, transmissions, bulletin boards, and the like on the Site, SPOT is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger or inaccuracy contained in any information within such locations on the Site. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. Spot is a pet insurance provider based in West Palm Beach, Florida. Disclaimers of Warranty; Limitation of Liability; Disputes; and 8. You can cancel pet insurance at any time. Any submitted appeal should state clearly why you or your vet disagree with the initial determination and include supporting documentation. Your coverage limit for an Accident-Only policy can be $3,000, $4,000, $5,000, $7,000 or $10,000 per year. 2 in our Best Pet Insurance Companies of 2023 rating based on several factors, including price, number of policy add-ons, and available discounts. Plans provided by Spot offer a 30-day money-back guarantee, so feel free to take a look and see what a SPOT plan can do for you and your pet. NOTICE TO CONNECTICUT APPLICANTS: Concealment, fraud. (NPN # 19246385) 2023 United States Fire Insurance Company. When your pets end of life is caused by a covered condition, plans provided by Spot cover expenses for euthanasia, burial and cremation only. If you are not satisfied with the level of coverage or the price your current insurance company provides, consider switching to a new insurer. PUBLICITY CONSENT. Plans are produced and sold by: Spot Pet Insurance Services, LLC. SPOT makes no representation or warranty regarding the Third-Party Products. Insuring multiple pets. NOTICE TO APPLICANTS: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Void where prohibited. You can cancel by phone by calling 1-800-638-5433 or another number if you were given a particular one when you signed the contract. Your pet must be at least 8 weeks old in order to enroll in a pet insurance plan from Spot. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. If you're not satisfied with the coverage during the first 30 days, you can get a full refund. California License #6000188 Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Although SPOT may from time to time monitor or review discussions, chats, postings, transmissions, bulletin boards, and the like on the Site, SPOT is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger or inaccuracy contained in any information within such locations on the Site. Furthermore, SPOT without compensation to you, is free to use, not use, edit, adapt, modify, or discontinue the use of any ideas, concepts, know-how, or techniques contained in any communication or material you transmit to SPOT, or post to the Site, for any purpose whatsoever including, but not limited to, developing, manufacturing and marketing products. SPOT shall be entitled to recover its costs and reasonable attorney fees in any action pursuant to this Agreement.5.7 Governing Law. Save my name, email, and website in this browser for the next time I comment. Your email address will not be published. Spot Pet Insurance's rates are generally pretty affordable. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path. If youre considering canceling your policy, you should be aware that there are certain risks to take into consideration. There is no upper age limit for coverage or enrollments. For a full list of terms and conditions, click here to view a sample policy. General Coverage Questions 1. Who is the insurance carrier for the Healthy Paws Pet Insurance Plan? Most pet insurance companies have a 30-day money-back guarantee period, also known as a 30-day free look period or cooling-off period. Claims can be submitted easily through our login page. HOW DO I WIN? Spot has no one-time fees and a $2 transaction fee for every payment (waived if you pay annually). Like the giveaway post on @getspotcovered and @sundaysfordogs Instagram from January 5, 2023, Follow @getspotcovered and @sundaysfordogs on Instagram, Get extra entries by tagging friends in the comments (1 tag = 1 entry, unlimited entries). Not be an employee of Spot Pet Insurance, Employees of Spot Pet Insurance its parent, subsidiary, and affiliated companies, advertising, and promotion agencies, website providers or other parties involved in any aspect with the creation, production, operation, execution, and fulfillment of the Sweepstakes and the immediate family members (parents, siblings, children, and spouse) and/or those living in the same household (whether or not related) of each are not eligible to win. Additional pets added receive 10% off their premium with Spot plans multi-pet discount. Figo is our pick for the most comprehensive pet insurance plan available. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. Policy form The basics. RELEASE OF LIABILITY. As a result, SPOT may be considered to have an incentive to place your insurance coverages with a particular insurance company. Customer Service Monday to Friday 8:00am - 8:00pm EST Phone: 1.800.905.1595 Before reaching out with questions about pet insurance plans from Spot, be sure to read our FAQ page. Once the Entry Period is over, the winning Entrant will be notified by a member of the Spot Pet Insurance team who will request a mailing address so the prize will be mailed directly to the address of the winners home within 7 business days. Coverage is subject to the language of the policies as actually issued. Many insurers offer what's known as a cooling-off period, often for a period of 14 to 30 days. You choose the coverage level that best meets your needs - from vaccinations and routine care to treatments, surgery, lab fees, and X-rays. Additionally, by your purchase and/or use of the Offerings you agree that you acknowledge and agree to SPOTs Privacy Policy (defined below). SPOT makes no representation or warranty regarding the Third-Party Services. SPOT IS NOT RESPONSIBLE FOR THE CONTENT OF ANY THIRD-PARTY OFFERINGS, NOR DOES IT MAKE ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE CONTENT (OR THE ACCURACY OF SUCH CONTENT) ON ANY THIRD-PARTY OFFERINGS, AND SPOT SHALL HAVE NO LIABILITY OF ANY NATURE WHATSOEVER IN RELATION TO ANY OF THE FOREGOING.2.3 Third-Party Products. This entire policy shall be void if, whether before or after a loss, the insured has willfully concealed or misrepresented any material fact or circumstance concerning this insurance or the subject thereof, or the interest of the insured therein, or in case of any fraud or false swearing by the insured relating thereto. Any activities intended to disrupt or interfere with the Sweepstakes or defraud Sponsor in any way will be prosecuted to the fullest extent of the law. Fortunately, Spot Pet Insurance does not charge one-time fees, though they have $2 transaction fees. Note: Appeals may take around 30 days to be reviewed. If we do need medical records, well contact your veterinarian directly, but it may speed up the process if you send them in with your claim. NOTE: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER PERSON TO DAMAGE ANY WEB SITE ASSOCIATED WITH THE SPONSOR OR ITS AGENTS OR UNDERMINING THE LEGITIMATE OPERATION OF THE CONTEST IS A VIOLATION OF CRIMINAL AND CIVIL LAW, AND SPONSOR AND ITS AGENTS RESERVE THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.

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