You accept these changes by renewing your policy. Canadians embrace the love of their pets, choosing to help protect their health for a longer, happier life together with Spot Pet Insurance, which is available now across Canada. To process this request, you will need to submit proof of new ownership, including the new owners full name, address, and phone number. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. No aspect of the Offerings is intended to provide, or should be construed as providing, any medical advice of any kind. Find more information on preventative care coverage here. California License #6000188 Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Sometimes, pet owners change their minds and no longer want the insurance policy they signed their four-legged friend up for. The Spot Pet Insurance Platinum Preventative Care costs $25 per month while the Spot Pet Insurance Gold Preventative Care costs $10 each month. 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. Visit ourdog insuranceandcat insurancepages for more information about plans. Pet health insurance policies are primarily designed to cover accidents and illnesses. Many pet insurance providers hesitate to offer coverage to senior animals when you first sign up for insurance. . Licensed Insurance Producer - Pawlicy Advisor. This gives you a chance to change . If you need to update your billing information, you can make changes by clicking on the Billing icon. The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. Penalties include imprisonment, fines and denial of insurance benefits. NOTICE TO TENNESSEE APPLICANTS:It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Can . Void where prohibited. PRIVACY. What is insured under this pet insurance plan? 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. Conditions occurring within policy waiting period(s). " in 2 reviews More information is available at checkout. You can cancel pet insurance at any time. Nationwide Pet Insurance: Best for Exotic Pets . However, you can't simply stop paying the monthly premiums; you will need to contact your pet insurance provider first. Figo Pet Insurance: Best for 100% Reimbursement. 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. ENTRY PERIOD. 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. However, if you are thinking about canceling your policy to find a better option, you can check out our Pet Insurance Advice Blog for detailed information on the top US pet insurance providers. Your annual deductible amount applies during each policy period. 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. The winner will be announced January 10, 2023. The good news is you can cancel your pet insurance at any time. Note: Appeals may take around 30 days to be reviewed. Pawlicy Advisor conducts business as Pawlicy Insurance Services Inc. in the state of California. For example, Embrace Pet Insurance offers annual maximum choices of $5,000, $8,000, $10,000, $15,000 and $30,000. Pet Insurance plans provided by Spot do not cover pre-existing conditions. 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. California License #6000188 Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Waiting periods. If you pay by monthly direct debit, or you have paid annually on your credit card and agreed to Continuous Payment Authority (CPA), your policy will renew automatically unless you tell us otherwise. If you haven't submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy. 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. In this case, at least 60 days before your coverage ends, we will mail written notice to you at your address as shown on the declarations page. Your email address will not be published. 1 Go to any vet Visit any vet, specialist or emergency clinic you'd like and pay your bill there. ASPCA Pet Insurance: Best for Waiting Periods. Save my name, email, and website in this browser for the next time I comment. NOTICE TO LOUISIANA APPLICANTS:Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefits 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. Plans provided by Spot dont have an upper age limit for new enrollments or coverage. HOW DO I WIN? 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. Access the member portal through our homepage. 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. Sponsor reserves the right to cancel the Sweepstakes at any time. 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. Partial refund. Sponsor is not responsible for any typographical or other error in the printing of these Official Rules or any materials associated with the administration of the Sweepstakes or the announcement of the prize. Insurance plans are marketed and produced by Spot Insurance Services, LLC. Penalties include imprisonment and/or fines. NOTICE TO NEW JERSEY APPLICANTS:Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. Insurance producers are authorized by their license to confer with insurance purchasers about the benefits, terms and conditions of insurance contracts; to offer advice concerning the substantive benefits of particular insurance contracts; to sell insurance; and to obtain insurance for purchasers. It offers three annual coverage options of $250, $450 or $650 for costs between $18 and $52 per month. NOTICE TO NEW YORK APPLICANTS:Any person who knowingly and with intent to defraud an 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 shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation. Claims process: Must submit claims within 270 days of the date of service via app, online, fax, or mail. 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. Reply from Spot Pet Insurance. Here's how it works if your pet gets hurt or sick: Take your pet to the licensed vet of your choice. You choose the coverage level that best meets your needs - from vaccinations and routine care to treatments, surgery, lab fees, and X-rays. A few companies offer additional coverage for routine vaccinations and other routine care such as dental cleanings for an added fee. 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). Your own price will vary, so it's worth shopping around. SPOT shall be entitled to recover its costs and reasonable attorney fees in any action pursuant to this Agreement.5.7 Governing Law. Notable features: Accident and illness coverage; wellness add-on available. Participants who engage in any of the foregoing activities will be disqualified and will forfeit any prizes won. Table of Contents Meow Your continued purchase and/or use of the Offerings following posting of any revised Terms will constitute acceptance of the modified Terms. No refund. Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spots Preventive Care plans, which you can add on to your base level plans for a little extra cost. 1. Additional pets added receive 10% off their premium with Spot plans multi-pet discount. Spot 24/7 VetAccess Tele-health. Click For Price Claims Form Download our latest claims form below. 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. 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. Founded in 2012, ManyPets offers accident and illness policies for dogs and cats. Taking your pet to the vet when it comes down with a fever or breaks a bone is never cheap. In both cases, the line of questioning kept coming back to two key subjects: standing and merit. Spot also offers two add-on packages that cover preventative health care for your pet. The section headings appearing in these Terms have been inserted for the purpose of convenience and ready reference. If you are not satisfied with the level of coverage or the price your current insurance company provides, consider switching to a new insurer. Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. If you are thinking of canceling your coverage, keep the following things in mind: Pre-existing conditions. Questions? When you buy pet insurance, there's a 14-day cooling off period. 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. With pet insurance, you will be getting the best value for your four-legged friend while keeping them healthy and happy. West Palm Beach, FL 33401. Disclaimers of Warranty; Limitation of Liability; Disputes; and 8. Compensation will be paid to the producer, based on the insurance contract the producer sells. They offer deductibles of $100, $200, and $500, and their reimbursement rate is 90%, making them come out on top over Spot in this department. 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. In general, you can receive a: Full refund. With accident & illness plans provided by Spot, there is no type of per incident limits or lifetime caps. 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. Flea & tick medication. Submit your claim on the Spot Pet Insurance website by. Underwriter: United States Fire Insurance Company AM Best Rating: A BBB Rating: B Exam period: SPOT doesn't obligate you to take a thorough physical exam for your pet in order to grant you the right to become eligible for enrolling on one of their pet insurance plans; Increase in monthly premium: Just like every other pet insurance company, SPOT's premiums increase . What Do Pet Insurance Plans Provided by Spot Cover? Coverage is subject to the language of the policies as actually issued. Once you have your custom pet insurance policy and have paid your premium on a monthly or annual schedule, you carry on as usual! You can cancel your pet insurance at any time, yet there may be fees involved. You agree that you have read, understand, and agree to all terms applicable to you, which are contained herein. Will I lose money if I cancel my pet insurance policy? What was once an obscure insurance product has been gaining steam. .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. Reimbursement Options: 90%. NOTICE TO KANSAS APPLICANTS:Fraudulent insurance act means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. Nothing in this Section shall prevent either party from seeking injunctive or other equitable relief from the courts for matters related to intellectual property related to the Offerings. However, if you have chosen to pay your premiums in monthly installments, you wont be eligible for a refund. A confirmation page will be displayed. 1.1 SPOTs Intellectual Property. 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. If you cancel your policy in the first 14 to 30 days after taking out coverage, and if you haven't made any claims, you'll often be entitled to a full refund. 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. Your pets correct age may be validated when reviewing your pets medical records. PIN confirmation is not supported via voice. 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