You're on the Spot US website. 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. Based on this rating, Spot is on NerdWallet's list of the Best Pet Insurance Companies. 1.1 SPOTs Intellectual Property. There is no upper age limit for coverage or enrollments. If you purchase and/or use the Offerings, you agree to be bound by these Terms and Conditions (Terms). VIEW RATES. 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. Get answers to common questions about pet insurance and learn how Spot Pet Insurance can protect your furry friend. Accident-only health plan. Additionally, by your purchase and/or use of the Offerings you agree that you acknowledge and agree to SPOTs Privacy Policy (defined below). See the breakdown of what Spots Preventive Care plan options cover:https://Spotpetins.com/sample-policy/. Canceling coverage for one of your pets might increase the cost of coverage for your other pets. Figo Pet Insurance: Best for 100% Reimbursement. Your renewal declarations page will specify the coverage and rates that apply. You agree that you have read, understand, and agree to all terms applicable to you, which are contained herein. 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. All provision indicating an ongoing obligation, which include but are not limited to 1. If you have filed a claim and you have chosen to pay your premiums annually, you wont receive any refunds if you decide to cancel coverage. 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. 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. You can call 800-905-1595 or email service@customer.spotpetins.com. The role of the producer in any particular transaction involves one or more of these activities. Pet Wellness. Filing a claim with Spot pet insurance is easy. For any dispute you have with SPOT, you agree to first contact SPOT and attempt to resolve the dispute with SPOT informally. Your pets age. If you move within your current state, you are able to adjust your address via the Account Information section in the Spot Customer Portal. 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. 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. 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 . Our helpful team is just one phone paw away or you can visit the contact page. Pet insurance plans provided from Spot have deductibles, reimbursement percentages, annual limits, and premiums. Visit our pet insurance FAQ page now . Simply head to our online cancellation form and fill in your details. Via PetInsurer.com's Secure Website Maximum annual coverage $5,000, $8,000, $10,000, $15,000 or $30,000 Reimbursement choices 70%, 80%, 90% Deductible choices $200, $300, $500, $750, $1,000 2. At any time and for any or no reason, SPOT may modify or discontinue some or all of the Offerings. SPONSOR. You do not need to be a policyholder, purchaser, or quoter to participate. IN NO EVENT SHALL SPOT, OR THE DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS OR REPRESENTATIVES OF SPOT (THE SPOT PARTIES) BE LIABLE TO YOU OR ANY THIRD PARTY FOR DAMAGES OF ANY KIND ARISING OUT OF THE USE OF, ACCESS TO, RELIANCE ON, INABILITY TO USE OR IMPROPER USE OF THE OFFERINGS OR ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES AVAILABLE THEREON (INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, GOODWILL OR REVENUE, BUSINESS INTERRUPTION, OR LOSS OF DATA), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE. To cancel your pet policy, contact Petplan at 1.844. Cancellation requests can be submitted in the form of fax, regular mail, email, or done verbally. Average monthly premiums are based on Canadian annual premiums, using a 12-month average, for the period of 01/01/2022 through 12/31/2022 and all available . However, Spot accident & illness plans cover treatments for dental illnesses. This means that any illnesses or injuries related to that condition will not be covered. Can I Add Pets to My Account After I Already Enrolled? PUBLICITY CONSENT. Healthy Paws Pet Insurance & Foundation is the brand name for the program operations of Healthy Paws Pet Insurance, LLC. 3 Get your money back It offers three annual coverage options of $250, $450 or $650 for costs between $18 and $52 per month. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps. Base level plans provided by Spot do not cover spaying. If you are the pet parent, you must be the policyholders. 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 do not cover funeral expenses, memorial items, urns, caskets, burial plots or burial plot maintenance fees. You can submit a claim within 270 days from the date of treatment. 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. Is it worth shopping around for pet insurance? CHOICE OF LAW. ELIGIBILITY. Coverage is subject to the language of the policies as actually issued. Please enter your pin on your phone dial-pad. Petplan will return to you the unearned portion of any premium paid. "Pet insurance policies do not cover pre-existing conditions." Pet insurance policies do not cover pre-existing conditions. 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. You can view our sample policy here: https://Spotpetins.com/sample-policy/. For $9.95 . No aspect of the Offerings is intended to provide, or should be construed as providing, any legal advice of any kind. NerdWallet's ratings are determined by our editorial team. Deductibles: $100, $250 or $500. Pumpkin's insurance policies for dogs cover unexpected injuries or illnesses. 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. The section headings appearing in these Terms have been inserted for the purpose of convenience and ready reference. Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. I had to go through my bank to stop payment which cost me additional money. 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. 1 Go to any vet Visit any vet, specialist or emergency clinic you'd like and pay your bill there. 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. Login to the member portal with your credentials and access your personalized pet insurance portal only on Spot Pet Insurance Member Portal page. Should I Include My Pets Medical Records with a Claim? Penalties include imprisonment, fines, and denial of insurance benefits.For SPOT Referral Parent Terms and Conditions, click here. No refund. Submit your claim on the Spot Pet Insurance website by. How do I cancel my petplan account? 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. When you buy pet insurance, there's a 14-day cooling off period. 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. Best pet insurance according to Consumer Rating January 2023. Spot Pet Insurance Logo, Copyright 2023. Plans are produced and sold by: Spot Pet Insurance Services, LLC. To appeal your claim simply email your request and supporting documentation to service@customer.spotpetins.com. Policy form The basics. 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. Do You Have a List of Veterinarians I Have to Use? The process will mostly depend on when you cancel, but it is fairly straightforward. Theres no Open Enrollment period, you can buy and drop pet insurance at any time. In all events, the sole maximum liability of Sponsor and its affiliates shall be limited to any of the prize(s) set forth herein. 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. California License #6000188 Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Have a pet insurance with Spot? You can cancel pet insurance at any time. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select. 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. Each submission of an Entry Form shall constitute an entry (Entry). 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. Your pet must be at least 8 weeks old in order to enroll in a pet insurance plan from Spot. 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. For dogs, customers can select either a $10,000, $20,000 or Unlimited annual limit. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones wont be covered. Responsibility for receipt of entry rests solely with the entrant. Find more information on preventative care coverage here. Trupanion Pet Insurance: Best for No Coverage Limits. Waiting periods. 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. Breeds Discover the personality and characteristics of your favorite cat or dog breeds. Consumer Rating is a Fetch by The Dodo Partner. In general, you can receive a: Full refund. Pet health insurance policies are primarily designed to cover accidents and illnesses. You may cancel this policy at any time. Join 2,438,795+ insured dogs and cats across the US. The good news is you can cancel your pet insurance at any time. There is a 14-day waiting period for coverage. PLEASE BE AWARE THAT INTERNET DATA TRANSMISSION IS NOT ALWAYS SECURE AND WE CANNOT WARRANT THAT INFORMATION YOU TRANSMIT UTILIZING THE OFFERINGS IS SECURE. Your continued purchase and/or use of the Offerings following posting of any revised Terms will constitute acceptance of the modified 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. As a result, SPOT may be considered to have an incentive to place your insurance coverages with a particular insurance company. 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. Trupanion dog insurance costs $70.12 per month for a $500. Meanwhile, the average annual pet-insurance premium in 2017 was $516, while the average annual vet bill per pet the same year was $92. Pet Insurance Plans Find out what eligible conditions and accidents our plans cover. You should not consider any content on the Site to be a substitute for professional financial advice. 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. Table of Contents Meow Get email updates to help your pets lead happier, healthier lives. 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. For questions, please email us at. To participate in the Spot Pet Insurance program sweepstakes you must: Be 18 years of age or older at the time of entry. 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 . 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. 2. Not all insurances cover exam fees. There's also the possibility of you conveniently canceling through email at pet_info@metlife.com, so long as the policy you have makes that an option. 2.1 Insurance Offerings. You're on the Spot US website. To process this request, you will need to submit proof of new ownership, including the new owners full name, address, and phone number. Do Spot Plans Offer Pet Insurance Discounts ? For plans other than Preventive Care,. Wannabe travel nerd. SPOT's Key Attributes. 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. Products, schedules, discounts, and rates may vary and are subject to change. 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. The 30-day money-back guarantee is available if no claims have been covered. Spot has no one-time fees and a $2 transaction fee for every payment (waived if you pay annually). 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. Many pet insurance providers hesitate to offer coverage to senior animals when you first sign up for insurance. 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. Keep in mind that these are sample numbers for one pet insurance company in one ZIP code. Coverage and rates are subject to change at renewal. For a full list of terms and conditions, click here to view a sample policy. 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