ELIGIBILITY. SPOT shall have and retain all right, title, and interest in and to the Offerings, any additions, modifications or enhancements to it and all intellectual property rights associated with any of the foregoing, including, without limitation, rights to patents, copyrights, trademarks, trade secrets, or know-how (Intellectual Property). Pet insurance is for paw-rents seeking a financial safety net for accidents or illnesses that their pets might experience in the future. 2x Accident & Illness coverage reimbursements are based on the invoice. There is a 14-day waiting period for coverage. Will I lose money if I cancel my pet insurance policy? Illness, disease, injury, or change to your pets health that first occurs or shows symptoms before coverage is effective or during a waiting period. Information Entrants provide to Sponsor will be used to communicate with Entrants regarding this Sweepstakes and otherwise as set forth in these Official Rules, as well as to contact Entrants at a later date with respect to other products and services and product enhancements which the Sponsor believes may be of interest to them. How Much Does Spot Pet Insurance Cost? For all terms and conditions visit spotpetins.com/sample-policy. West Palm Beach, FL 33401. Liberty Mutual's customized Pet Insurance delivers affordable coverage so you can choose the best care possible for your pet. 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 a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones wont be covered. You can view our sample policy here: https://Spotpetins.com/sample-policy/. However, if you decide to cancel your coverage, you may not be able to re-insure your pet at a later date. List your name, your pet's name, your pet policy number, the cancellation effective date, and the reason for the cancellation. Pet insurance companies such as Embrace cover curable pre-existing conditions as long as any recurrence is at least 12 months from the date of the last problem. Whether youre eligible for a refund will depend on your circumstances and your pet insurance company. You do not have to be present to win.Sponsor shall have no liability or responsibility if: (a) any mail addressed to the potential Winner is returned to Sponsor as undeliverable without a forwarding address or if potential Winner cannot be contacted for any reason; or (b) potential Winner is deemed ineligible or otherwise non-compliant with any aspect of these Official Rules. 2. Pumpkin covers some preexisting conditions and more procedures than most pet insurance companies cover. Possibility of chronic illness onset. Plans provided by Spot do not cover funeral expenses, memorial items, urns, caskets, burial plots or burial plot maintenance fees. It was founded in 2019 and aims to deliver first-class coverage without breaking the bank. You agree that you have read, understand, and agree to all terms applicable to you, which are contained herein. When. Policy form The basics. . 3. Spot earned 4.5 stars out of 5 for overall performance. 2 Upload receipt (s) After your visit, upload your receipt to submit your claim on our easy-to-use online portal. 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. Based on a comparison of top pet insurance companies on ConsumerRating.org. 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. Required fields are marked *. Sponsor reserves the right at its sole discretion to disqualify and prohibit any Entrant from participating in the Sweepstakes or winning a prize who Sponsor suspects, in the sole discretion, of attempting to undermine the legitimate operation of the Contest by cheating, hacking, deception, or other unfair playing practices (including the use of automatic quick entry programs) or intending to annoy, abuse or threaten or harass any of the Sponsors representatives or otherwise failing to comply with these Rules. 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. Pricing varies depending on whether you want a $100, $250, $500, or $1,000 deductible. If you are the pet parent, you must be the policyholders. Pet health insurance policies are primarily designed to cover accidents and illnesses. 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. Find more information on preventative care coverage here. IN ADDITION, YOU ACKNOWLEDGE AND AGREE THAT IT IS YOUR RESPONSIBILITY TO HAVE INTERNET CONNECTION TO ACCESS THE OFFERINGS VIA THE INTERNET AND THAT SPOT WILL NOT BE LIABLE IF YOU ARE UNABLE TO ACCESS THE OFFERINGS DUE TO ANY POWER OR INTERNET DATA CONNECTION FAILURE. A confirmation page will be displayed. If you need to cancel your claim request for any reason, you can do so by calling the call center: 1.800.905.1595. In general, your premium is based on your pets age, your pets breed, and where your pet lives. Some insurers like Trupanion and Figo require you to cancel with a written notice, MetLife Pet Insurance requires cancelations to be made by phone, whereas others . 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. Coverage limits are slightly different for horses. You can also call the Petplan Customer Service Centre on 0345 071 8000 or send a written confirmation to: Petplan, Great West House (GW2), Great West Road, Brentford, Middlesex TW8 9DX. For example, Embrace Pet Insurance offers annual maximum choices of $5,000, $8,000, $10,000, $15,000 and $30,000. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, SPOT MAKES NO, AND HEREBY DISCLAIMS ALL, REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE AVAILABILITY, OPERATION AND USE OF THE SERVICES OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES ON OR ACCESSED VIA THE SERVICES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON- INFRINGEMENT, AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. If you are thinking of canceling your coverage, keep the following things in mind: Pre-existing conditions. The role of the producer in any particular transaction involves one or more of these activities. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select. 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. 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. Your email address will not be published. What Do Pet Insurance Plans Provided by Spot Cover? Do Plans Provided by Spot Have a Money-back Guarantee? Sponsor is not responsible for cheating or fraud by any participant. You can visit any licensed veterinarian in the US or Canada, including eligible specialists and emergency care clinics. All Rights Reserved 2023 All Insurance FAQ. Where SPOT participates in contingent commission arrangements with insurance companies, SPOT may be entitled to additional commission in the range of 0 to 2% depending upon whether and when specified thresholds are achieved.2.2 Third-Party Services. Taking your pet to the vet when it comes down with a fever or breaks a bone is never cheap. Penalties may include imprisonment, fines, or denial of insurance benefits. HOW DO I WIN? Get answers to common questions about pet insurance and learn how Spot Pet Insurance can protect your furry friend. Hi Dawn, please give us a call at 1-800-905-1595 or email us at service@customer.spotpetins.com (8AM-8PM EST Mon-Fri) and we can help you out with cancelling. The role of the producer in any particular transaction involves one or more of these activities. If you need to update your billing information, you can make changes by clicking on the Billing icon. It should be noted that if you dont submit a cancellation request via your insurance company's preferred communication channel, you might still be charged premiums. Pawlicy Advisor conducts business as Pawlicy Insurance Services Inc. in the state of California. All Pet Insurance plans have waiting periods, annual deductible, co-insurance, benefit limits and exclusions. 303 Banyan Blvd, Suite 101. There is no upper age limit for coverage or enrollments. Spot is a pet insurance provider with a more customized approach to pet insurance, founded by people who love animals and wanted to make it easier for other pet parents to get their pets help. 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. Based on a comparison of top pet insurance companies on ConsumerRating.org. SPOT, at its sole discretion, and without compensation to you, may use, not use, edit, adapt, modify or discontinue the use of any communication or material you transmit to SPOT, or you post to the Site, for any purpose whatsoever including, but not limited to, disclosure, transmission, reproduction, distribution, publishing, broadcasting, or posting in any medium. Visit our homepage and click Members Portal. Compare Pet Insurance Companies Yes! Partial refund. (NPN # 19246385) 2023 United States Fire Insurance Company. Except where prohibited by law, all issues and questions concerning the constitution, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the participant and the Sponsor in connection with this Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of Ohio in the U.S., without giving effect to any choice of law or conflict of law rules (whether of the State of Ohio, or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Ohio in the U.S.10. 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. Based on this rating, Spot is on NerdWallet's list of the Best Pet Insurance Companies. Sometimes, pet owners change their minds and no longer want the insurance policy they signed their four-legged friend up for. 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. The scoring formula takes into account consumer experience, coverage options and financial strength ratings. That can be a little disappointing for pet parents who want to lower their reimbursement rate in exchange for lower monthly fees or deductibles. 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 may not assign or otherwise transfer these Terms or any rights or obligations hereunder. You can cancel your pet insurance cover at any time, but whether you are eligible for a refund will depend on your circumstances and your insurer. Food geek. . If your pet gets injured or sick, pet insurance helps cover medical expenses. Pumpkin has a single insurance plan that applies for both dogs and cats. SPOT makes no representation or warranty regarding the Third-Party Services. If, on the other hand, you have chosen to make monthly payments, you will need to continue paying premiums for the remaining insurance period. Dont forget to take a picture of your invoice and upload it to complete the claim submission. To cancel your pet insurance, you will need to contact your insurance company and request to cancel your policy. Pet Wellness. For dogs, customers can select either a $10,000, $20,000 or Unlimited annual limit. These necessary increases provide you the opportunity to get help offering your pet the best medical treatment options available for eligible conditions. Sponsor assumes no responsibility for any error; omission; interruption; deletion; defect; delay in operation or transmission; communications-line failure; or theft, destruction, unauthorized access to, or alteration of Entries. There are nearly 4 million cats and dogs insured in . 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. It helps that the company offers a number of annual limits, deductibles, and reimbursement rates to help customers build a policy. Spot Canada. 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. This gives you a chance to change . Additional pets added receive 10% off their premium with Spot plans multi-pet discount. If you purchase and/or use the Offerings, you agree to be bound by these Terms and Conditions (Terms). 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. Average Price: To give you an idea of Embrace's monthly costs, we collected samples quotes . Many insurers offer what's known as a cooling-off period, often for a period of 14 to 30 days. Be a legal resident of the 50 United States, or the District of Columbia, including APO/FPO addresses excluding Puerto Rico. CHOICE OF LAW. Participants who engage in any of the foregoing activities will be disqualified and will forfeit any prizes won. Spot 24/7 VetAccess Tele-health. Cancellation requests can be submitted in the form of fax, regular mail, email, or done verbally. 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. A purchase or quote for a pet insurance product from Spot Pet Insurance 303 Banyan Blvd, Suite 101 West Palm Beach, FL 33401 (Sponsor) or any of its affiliated companies will not improve the chance of winning. Your annual deductible amount applies during each policy period. Medical records for your pet include doctors notes, laboratory results, and other documentation regarding any of your pets visits to the veterinarian. Plans provided by Spot dont have an upper age limit for new enrollments or coverage. 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. There is no waiting period for preventive care coverage if you choose to add it to your plan. While your cat or dog might be perfectly healthy at the moment, unexpected veterinary expenses can arise at any time. Some insurers like Trupanion and Figo require you to cancel with a written notice, MetLife Pet Insurance requires cancelations to be made by phone, whereas others give you multiple options. Does the plan have any waiting periods? Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. Insurance . Depending on the exact type of information they need, there . Breeds Discover the personality and characteristics of your favorite cat or dog breeds. Your pets correct age may be validated when reviewing your pets medical records. Does Pet Insurance Cover End of Life Expenses? Whether you live in Tampa, Miami, or anywhere else in the Sunshine State, a Florida pet insurance policy can prevent you from paying expensive vet bills and get treatment for your pet when it has an accident. However, Spot accident & illness plans cover treatments for dental illnesses. Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate. Consumer Rating is a Fetch by The Dodo Partner. Spot Pet Insurance offers three health plans for dogs and cats: accident-only, accident and illness, and preventive care plans. 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. You may use any licensed veterinarian in the US. SPOT makes no representation or warranty regarding the Third-Party Products. 1 Go to any vet Visit any vet, specialist or emergency clinic you'd like and pay your bill there. 3.1 No Medical Advice Provided. Even if you focus on insured pets, the risk is rarely . Typically, pet insurance plan renewals are automatic and will continue to renew as long as you're paying your premiums, haven't canceled your plan, or broken any agreements within your pet insurance policy. 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Cancel your coverage, keep the following things in mind: Pre-existing conditions deductible...: 1.800.905.1595 be perfectly healthy at the lowest rate you are the pet parent, you may not be to. Business as pawlicy insurance Services Inc. in the future so by calling the call:... Billing information, you agree to be bound by these Terms and conditions ( Terms ) by... Financial safety net for accidents or illnesses that their pets might experience in the state of California any.. Pet to the vet when it comes down with a fever or breaks bone... Once your deductible is met, you must be the policyholders a financial safety net for accidents or illnesses their. And preventive care plans the call center: 1.800.905.1595 protect your furry friend imprisonment,,... Offers a number of annual limits, deductibles, and reimbursement rates to help customers build policy! Helps cover medical expenses coverage reimbursements are based on a comparison of top pet insurance plans have periods. 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In general, your pets breed, and reimbursement rates to help customers build a.... What do pet insurance and learn how Spot pet insurance companies on ConsumerRating.org lower their reimbursement rate in for! Or during a waiting period, often for a period of 14 to 30 days collected samples quotes insurance three! Mutual & # x27 ; s known as a cooling-off period, often for a refund will depend your! Most pet insurance is for paw-rents seeking a financial safety net for accidents or illnesses that their pets experience...

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