You do not need to be a policyholder, purchaser, or quoter to participate. 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. 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 Find out what eligible conditions and accidents our plans cover. No refund. You should not disregard legal advice as a result of any content on the Site, or otherwise consider any content on the Offerings to be a substitute for professional legal advice. Can I cancel Petplan at any time? Unit 603, Miami, FL 33131 by January 9, 2023 to be counted. 1 in 3 One in three pets needs unexpected veterinary care every year.1 Our policies are affordable with an average cost of $1.66 per day. How do I Determine if My Pet Has a Pre-existing Condition? All content within the Offerings, including photos, design, text, graphics, logos, button icons, images, software, audio clips, digital products, product samples and data compilations; any improvements or modifications to such content; any derivative works thereof; and the collection, arrangement and assembly of all content on this Site; are the property of SPOT or its licensors and are protected by United States and international copyright and other intellectual property laws. You may not assign or otherwise transfer these Terms or any rights or obligations hereunder. Pumpkin's insurance policies for dogs cover unexpected injuries or illnesses. NOTICE TO PENNSYLVANIA APPLICANTS:Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties. If you cancel within this period, you'll get a full refund for the premiums you've paid, provided you haven't filed a claim. . Reimbursement Options: 90%. Worth watching: Unlike Spot, Pumpkin offers just one reimbursement rate: 90%. Spot earned 4.5 stars out of 5 for overall performance. " in 2 reviews Many insurers offer what's known as a cooling-off period, often for a period of 14 to 30 days. 1 Go to any vet Visit any vet, specialist or emergency clinic you'd like and pay your bill there. Spot has no one-time fees and a $2 transaction fee for every payment (waived if you pay annually). Should I Include My Pets Medical Records with a Claim? Additional pets added receive 10% off their premium with Spot plans multi-pet discount. What is insured under this pet insurance plan? For all terms and conditions visit spotpetins.com/sample-policy. Lemonade has the cheapest. Petplan will return to you the unearned portion of any premium paid. 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. Pre-existing conditions are not covered. Many pet insurance providers hesitate to offer coverage to senior animals when you first sign up for insurance. 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. 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. For questions about upgrading or downgrading your policy including terms and conditions please contact Customer Service for more information at 1.800.905.1595.You can also make changes by logging into the customer portal at https://customer.spotpetins.com/portal#/login. Let us dig up an answer. (NPN # 19246385) 2023 United States Fire Insurance Company. NerdWallet's ratings are determined by our editorial team. To cancel your pet policy, contact Petplan at 1.844. This means that any illnesses or injuries related to that condition will not be covered. 1 (866) 651-7768. Insurance . List your name, your pet's name, your pet policy number, the cancellation effective date, and the reason for the cancellation. If, for any reason, the Sweepstakes is not capable of running as planned, due to, without limitation, infection by computer virus, worm, or bugs; tampering; unauthorized intervention; fraud; technical failures; or any other causes beyond the control of Sponsor that, in the sole opinion of Sponsor, could corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Sweepstakes, Sponsor reserves the right, at its sole discretion, to cancel, terminate, modify, or suspend the sweepstakes. By using an application or app to enable your use of the Offerings, you are explicitly confirming your acceptance to these Terms, including the Privacy Policy and acknowledging the applicability of those agreements to your use of the Offerings through the application. All Rights Reserved 2023 All Insurance FAQ. 2.1 Insurance Offerings. If any portion of these Terms or the Privacy Policy are deemed unlawful, void or unenforceable, that portion will be deemed severable and will not affect the validity or enforceability of the remaining provisions. See the breakdown of what Spots Preventive Care plan options cover:https://Spotpetins.com/sample-policy/. 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. The first factor is when you cancel your policy. The role of the producer in any particular transaction involves one or more of these activities. Disclaimers of Warranty; Limitation of Liability; Disputes; and 8. Spot offers coverages for cats and dogs for either accident-only policies or accident and illness policies. If you purchase and/or use the Offerings, you agree to be bound by these Terms and Conditions (Terms). You can call 800-905-1595 or email [email protected]. How to Save Money on Spot Pet Insurance There are two ways you can cut the cost of pet insurance with Spot, including: 10% discount for insuring more than one pet 10% group employee. 4.1 Warranty. How do I cancel Spot pet insurance? Our helpful team is just one phone paw away or you can visit the contact page. You can view our sample policy here: https://Spotpetins.com/sample-policy/. The Privacy Policy is incorporated herein by reference.SPOT reserves the right to make changes at any time to the Offerings or these Terms. Can I Cancel an Insurance Claim? Based on a comparison of top pet insurance companies on ConsumerRating.org. SPOT is an insurance producer licensed in your state. Call: (844) 696-1407. Depending on the insurer(s) and insurance contract(s) the purchaser selects, compensation will be paid by the insurer(s) selling the insurance contract or by another third party. Your continued purchase and/or use of the Offerings following posting of any revised Terms will constitute acceptance of the modified Terms. 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. Your renewal declarations page will specify the coverage and rates that apply. Note: your premium may change based on your new zip code. "Pet insurance policies do not cover pre-existing conditions." Pet insurance policies do not cover pre-existing conditions. In general, your premium is based on your pets age, your pets breed, and where your pet lives. Accident-only health plan. 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. SPOT may provide third-party products, devices, or other equipment to assist in the provision of the Offerings or Third-Party Services (Third Party Products) that are not owned or controlled by SPOT. YOU EXPRESSLY AGREE THAT YOUR PURCHASE AND/OR USE OF THE OFFERINGS, AND ANY INFORMATION, CONTENT, PRODUCTS, SERVICES AND MATERIALS CONTAINED IN, ACCESSED VIA, OR DESCRIBED IN THE OFFERINGS, IS AT YOUR OWN RISK, AND THAT ALL SUCH INFORMATION, CONTENT, PRODUCTS, SERVICES AND MATERIALS ARE PROVIDED ON AN AS IS AND AS AVAILABLE BASIS. How Can I Find Out the Status of a Claim? 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. The 30-day money-back guarantee is available if no claims have been covered. 1.1 SPOTs Intellectual Property. Pre-existing conditions are not covered. WHAT CAN I WIN?Prize includes $200 Visa gift card, bandana, leash, 2 large boxes of Sundays For Dogs foodThe winning entrants will be notified through the channel they entered. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. NOTICE TO MAINE APPLICANTS:It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. At any time and for any or no reason, SPOT may modify or discontinue some or all of the Offerings. 90%. Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate. Your own price will vary, so it's worth shopping around. 5.1 Assignment. If youre considering canceling your policy, you should be aware that there are certain risks to take into consideration. For dogs, customers can select either a $10,000, $20,000 or Unlimited annual limit. 1). Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. 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. Possibility of chronic illness onset. This sweepstakes begins on January 5, 2023 and closes at 11:59 p.m. EST on January 9, 2023 (The Sweepstakes Period). Well email you when we receive your claim, if we need more information, and when its complete. .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. Penalties include imprisonment, fines, and denial of insurance benefits.For SPOT Referral Parent Terms and Conditions, click here. Spot Pet Insurance offers a 30-day money-back guarantee. Your email address will not be published. HOW DO I WIN? Any condition that occurs during an applicable waiting period is a pre-existing condition and is not eligible for coverage. The best thing you can do is ensure that you research pet insurance companies very closely before enrolling in pet insurance. You can read our Privacy Policy to see how we will use your information. What can I do instead of canceling my policy? SPOT makes no representation or warranty regarding the Third-Party Products. General Coverage Questions 1. Who is the insurance carrier for the Healthy Paws Pet Insurance Plan? SPOT is an insurance producer licensed in your state. Lemonade ranks No. Find more information on preventative care coverage here. Here's how it works if your pet gets hurt or sick: Take your pet to the licensed vet of your choice. Surplus lines insurance sold only through licensed surplus lines producers. For all terms and conditions visit spotpetins.com/sample-policy. West Palm Beach, FL 33401. Questions? Consumer Rating is a Fetch by The Dodo Partner. Please consult qualified legal representatives regarding any legal concerns or issues.3.3 No Financial Advice Provided. NOTICE TO FLORIDA APPLICANTS:Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree. ASPCA Pet Insurance: Best for Waiting Periods. If you haven't submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy. At any time and for any or no reason, SPOT may modify or discontinue some or all of the Offerings. The process will mostly depend on when you cancel, but it is fairly straightforward. All Pet Insurance plans have waiting periods, annual deductible, co-insurance, benefit limits and exclusions. We may decide to not renew your coverage at the end of any policy period. SPOT strives to provide plans with coverage that continue well into your pets old-age by not placing upper-age limitations on coverage or enrollments. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policy holder or claimant for the purpose of defrauding or attempting to defraud the policy holder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies. If your pet gets injured or sick, pet insurance helps cover medical expenses. Advice Blog Learn more about how to take care of your pet, from feeding to training, at every life stage. CHOICE OF LAW. You get to select your reimbursement percentage when you enroll in a plan provided by Spot. Is Pet Insurance Worth It? How it works Track your claims at home and on the go with our convenient online portal. Plans are produced and sold by: Spot Pet Insurance Services, LLC. This website ("Site") and SPOT Pet Insurance Services, LLC's 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 insurance company might charge you a small administration fee to cover the paperwork involved with the cancellation. SPOT shall in no way be held liable for any consequence which results from SPOTs decision to modify or discontinue providing some or all of the Offerings. If your cat or dog develops a chronic disease, such as diabetes mellitus or hyperthyroidism, while theyre not protected by pet insurance, you wont be eligible for coverage for testing, diagnosis, and ongoing treatment. Liberty Mutual's customized Pet Insurance delivers affordable coverage so you can choose the best care possible for your pet. It offers three annual coverage options of $250, $450 or $650 for costs between $18 and $52 per month. In addition to offering five deductibles and three reimbursement percentages, Spot provides six annual limit options of $2,500, $4,000, $5,000, $7,000, $10,000, and unlimited. However, Spot accident & illness plans cover treatments for dental illnesses. In general, you can receive a: Full refund. Responsibility for receipt of entry rests solely with the entrant. Dont let your pet develop a pre-existing condition before theyre insured. To process this request, you will need to submit proof of new ownership, including the new owners full name, address, and phone number. You can get pet health insurance through various insurers, such as 24PetWatch, Petsmart, Banfield Pet Hospital, Petco, Pets Best, AKC, Costco, Sam's Club, B.J.'s Wholesale Club, and more. You're on the Spot US website. I had to go through my bank to stop payment which cost me additional money. 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. As a result, SPOT may be considered to have an incentive to place your insurance coverages with a particular insurance company. SPONSOR. What Do Pet Insurance Plans Provided by Spot Cover? Be a legal resident of the 50 United States, or the District of Columbia, including APO/FPO addresses excluding Puerto Rico. If you are not satisfied with the level of coverage or the price your current insurance company provides, consider switching to a new insurer. Coverage limits are slightly different for horses. After seeing success in the US, Spot Pet Insurance has announced its entry into the Canadian market. Claims at home and on the go with our convenient online portal your policy # 19246385 2023! Can view our sample policy here: https: //Spotpetins.com/sample-policy/ customers can select either a $ 2 fee. 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