California License #6000188 Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. 4. Call: (844) 696-1407. Spot offers coverages for cats and dogs for either accident-only policies or accident and illness policies. Spot Pet Insurance Logo, Copyright 2023. Spot has no one-time fees and a $2 transaction fee for every payment (waived if you pay annually). However, if you have chosen to pay your premiums in monthly installments, you wont be eligible for a refund. Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. Prizes cannot be assigned, transferred, exchanged or otherwise redeemed. 2.1 Insurance Offerings. Each of the wellness plans costs extra, obviously. Based on this rating, Spot is on NerdWallet's list of the Best Pet Insurance Companies. Coverage is subject to the language of the policies as actually issued. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. You will need to provide your policy number and the date you would like the cancellation to take effect. Additionally, your premium will be affected by your pets age each year, as the risk for more costly claims grows higher. Trupanion pet insurance for a cat (a under one-year-old male domestic shorthair) costs $30.88 per month for a $500 deductible. Banfield Pet Hospital. Figo is our pick for the most comprehensive pet insurance plan available. 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. 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. 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. Spot Pet Insurance 303 Banyan Blvd, Suite 101 West Palm Beach, FL 33401 sponsors this Sweepstakes. 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). In general, your premium is based on your pets age, your pets breed, and where your pet lives. A condition is considered pre-existing whether or not its been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed. 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. Well email you when we receive your claim, if we need more information, and when its complete. Can I cancel Petplan at any time? 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. 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. 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. The first factor is when you cancel your policy. Dont let your pet develop a pre-existing condition before theyre insured. 303 Banyan Blvd, Suite 101. 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 . Compare Pet Insurance Companies No waiver of any term in these Terms shall be deemed a further or continuing waiver of such term or any other term, and SPOTs failure to assert any right or provision under these terms shall not constitute a waiver of such right or provision.5.4 Section Headings. This is the amount you pay for pet insurance.FETCH A FREE QUOTE to see your premium today. If you cancel within this period, youll get a full refund for the premiums youve paid, provided you havent filed a claim. 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. 2.1 Insurance Offerings. Not all insurances cover exam fees. By The Spot Pack June 1, 2022 Stay in Touch Get pupdates from the pack. Pet insurance plans provided from Spot have deductibles, reimbursement percentages, annual limits, and premiums. 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. If the ownership of your pet changes to another individual, we can transfer the policy to the new pet owner without any interruption of coverage. How Can I Find Out the Status of a Claim? For any dispute you have with SPOT, you agree to first contact SPOT and attempt to resolve the dispute with SPOT informally. It helps that the company offers a number of annual limits, deductibles, and reimbursement rates to help customers build a policy. 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. Your pet must be at least 8 weeks old in order to enroll in a pet insurance plan from Spot. Their communication and attentiveness have been outstanding and we are very fortunate to be Spot Covered! 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. That can be a little disappointing for pet parents who want to lower their reimbursement rate in exchange for lower monthly fees or deductibles. At any time and for any or no reason, SPOT may modify or discontinue some or all of the Offerings. With pet insurance, you pay your vet bill as you normally would, and then you submit your claim to get reimbursed for eligible expenses, based on the parameters of your coverage. Pop culture evangelist. Spot performed better in coverage and eligibility, while ManyPets performed better when it came to costs. NOTICE TO KENTUCKY APPLICANTS:Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance 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. 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. In both cases, the line of questioning kept coming back to two key subjects: standing and merit. CONDUCT. Any modifications to the Terms will be effective upon posting. Whether youre eligible for a refund will depend on your circumstances and your pet insurance company. Get my price Unlimited coverage Hassle-free claims Award-winning pet insurance that pet parents love Get Covered Today Why ManyPets pet insurance? What should I consider when canceling my pet insurance policy? Preventive Care reimbursements are based on a schedule. To start the transfer of ownership policy change, please reach out to Customer Service. The waiting period begins on the first effective date of the applicable coverage. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. Is it possible to cancel my pet insurance policy at any time? Spot 24/7 VetAccess Tele-health. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones wont be covered. 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. To get reimbursed on routine cleanings for your dog or cats general wellbeing, youll need to add preventive coverage to your base plan for a little extra cost per month. Tv fanatic. Find more information on preventative care coverage here. Insuring multiple pets. 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. If you haven't submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy. 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. Plans are produced and sold by: Spot Pet Insurance Services, LLC. 1. Your continued purchase and/or use of the Offerings following posting of any revised Terms will constitute acceptance of the modified Terms. RELEASE OF LIABILITY. You're on the Spot US website. Best pet insurance according to Consumer Rating January 2023. NOTICE TO CONNECTICUT APPLICANTS: Concealment, fraud. Advice Blog Learn more about how to take care of your pet, from feeding to training, at every life stage. SPOT will fully cooperate with any law enforcement authorities or court order requesting or directing SPOT to disclose the identity of anyone posting any such information or materials.2.5 Modification or Discontinuance of the Offerings by SPOT. You agree that any action (not governed by Section 4.3) arising out of the Terms or your purchase and/or use of the Offerings shall be brought in state or federal court in Palm Beach County, Florida, and you consent to the jurisdiction of such courts.5.8 Contact. 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. 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. 1 Go to any vet Visit any vet, specialist or emergency clinic you'd like and pay your bill there. 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. Any modifications to the Terms will be effective upon posting. Taking your pet to the vet when it comes down with a fever or breaks a bone is never cheap. If you haven't submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy. 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). 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. PIN confirmation is not supported via voice. Note: Appeals may take around 30 days to be reviewed. 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. 2. We may decide to not renew your coverage at the end of any policy period. For all terms and conditions visit spotpetins.com/sample-policy. 1 (866) 651-7768. 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. It offers three annual coverage options of $250, $450 or $650 for costs between $18 and $52 per month. Your email address will not be published. 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. 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. What was once an obscure insurance product has been gaining steam. 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 monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01/01/2022 through 12/31/2022 and all available limit . Get inspired and try out new things. Please have your PIN ready when calling. You may not assign or otherwise transfer these Terms or any rights or obligations hereunder. Disclaimers of Warranty; Limitation of Liability; Disputes; and 8. 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. Filing a claim with Spot pet insurance is easy. 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. Spot Canada. Additional pets added receive 10% off their premium with Spot plans multi-pet discount. Yes, you can add preventive care coverage to your policy for a little more cost. If you need to cancel your claim request for any reason, you can do so by calling the call center: 1.800.905.1595. Get treatment and pay the bill. 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