If you purchase and/or use the Offerings, you agree to be bound by these Terms and Conditions (Terms). 90%. What Do Pet Insurance Plans Provided by Spot Cover? Licensed Insurance Producer - Pawlicy Advisor. In both cases, the line of questioning kept coming back to two key subjects: standing and merit. 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 . Please consult a qualified veterinarian or other medical professional regarding any medical concerns or issues.3.2 No Legal Advice Provided. How Do I File Claims with Spot? Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select. Get my price Unlimited coverage Hassle-free claims Award-winning pet insurance that pet parents love Get Covered Today Why ManyPets pet insurance? Questions? Twitter specialist. Yes! Whenever you have a pet insurance question or need to review your options, please email us or call us at 1-855-898-8991. Login to the member portal with your credentials and access your personalized pet insurance portal only on Spot Pet Insurance Member Portal page. 303 Banyan Blvd, Suite 101. These Terms, together with the Privacy Policy, or any amendments you may enter into with SPOT in connection with the Offerings, shall constitute the entire agreement between you and SPOT concerning the Offerings. The insurance company might charge you a small administration fee to cover the paperwork involved with the cancellation. 2.1 Insurance Offerings. 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. Plans provided by Spot do not cover pre-existing conditions. Illness, disease, injury, or change to your pets health that first occurs or shows symptoms before coverage is effective or during a waiting period. You can enroll your pet in a plan provided from Spot once your pet is 8 weeks old or older. Sponsor is not responsible for incorrect, inaccurate or incomplete entry of information or for entries which are garbled, damaged, incompletely received, otherwise defective or lost due to any reason, all of which will be voided. 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. You will also need to update your billing address there as well. Subject to all federal, state, and local laws. All pet insurance policies come with . Conditions occurring within policy waiting period(s). Many pet insurance providers hesitate to offer coverage to senior animals when you first sign up for insurance. The winning Entrants are responsible for the reporting and payment of all federal, state and local taxes incurred by the acceptance of the prize. " in 2 reviews Void where prohibited. Embrace Pet insurance, for instance, allows customers to cancel by phone or email, while cancelation requests to Healthy Paws Pet Insurance can be submitted in the form of fax, email, regular mail, or done verbally. The 30-day money-back guarantee is available if no claims have been covered. Get answers to common questions about pet insurance and learn how Spot Pet Insurance can protect your furry friend. If you haven't submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy. 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. 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. Compensation will be paid to the producer, based on the insurance contract the producer sells. 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. According to the Canadian Animal Health Institute, around 8.3 million Canadian households have cats and another 8.2 million have dogs, but only 3% of pet owners have pet insurance. 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. Trupanion Pet Insurance: Best for No Coverage Limits. Our helpful team is just one phone paw away or you can visit the contact page. 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. Coverage is subject to the language of the policies as actually issued. 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. Email requests may go to help@gohealthypaws.com. Spot Canada. Your pets age. Not all insurances cover exam fees. 251.5462. What was once an obscure insurance product has been gaining steam. All requests to appeal your claim must be made in writing to us. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. Prizes cannot be assigned, transferred, exchanged or otherwise redeemed. Sponsor is not responsible for cheating or fraud by any participant. However, you cant simply stop paying the monthly premiums; you will need to contact your pet insurance provider first. Any condition that occurs during an applicable waiting period is a pre-existing condition and is not eligible for coverage. 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. It was founded in 2019 and aims to deliver first-class coverage without breaking the bank. What Happens to My Pet Insurance if I Move? Penalties include imprisonment, fines and denial of insurance benefits. 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. Can I Add Pets to My Account After I Already Enrolled? Yes, Spot plans offer a multi-pet discount: 10% off each additional pet that is added. 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. After seeing success in the US, Spot Pet Insurance has announced its entry into the Canadian market. The role of the producer in any particular transaction involves one or more of these activities. 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. 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. Click a question below to find answers to pet insurance cancelation concerns: Yes, you can cancel your pet insurance policy at any time. Spot Pet Insurance. Why Pet Insurance? Lifelong gamer. This sweepstakes begins on January 5, 2023 and closes at 11:59 p.m. EST on January 9, 2023 (The Sweepstakes Period). . When. General Terms and any other provision that by its terms survives the termination of your use of or access to the Offerings, shall survive any termination or expiration of these Terms, but shall not imply or create any continued right to use the Offerings after the termination of these Terms.5.6 Legal Fees. For example, Embrace Pet Insurance offers annual maximum choices of $5,000, $8,000, $10,000, $15,000 and $30,000. 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. 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. Accident & Illness coverage reimbursements are based on the invoice. SPOT is an insurance producer licensed in your state. That can be a little disappointing for pet parents who want to lower their reimbursement rate in exchange for lower monthly fees or deductibles. Your own price will vary, so it's worth shopping around. Penalties may include imprisonment, fines, denial of insurance and civil damages. The only treatment covered for dental accidents is tooth extractions. 1). You can call 800-905-1595 or email service@customer.spotpetins.com. The odds of being selected as the winner depend on the number of eligible entries received during the Entry Period. Claim repayment averages 10-14 business days, and direct deposit and check are options. Yes, you can cancel your pet insurance policy at any time. Petplan will return to you the unearned portion of any premium paid. Base level plans provided by Spot do not cover spaying. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. Each winner, by acceptance of the prize, agrees on behalf of him/herself, his/her heirs, executors, representatives, assigns, administrators and next of kin to indemnify, hold harmless and release the Sponsor, its parent, subsidiary and affiliated businesses and each of their officers, directors, shareholders, employees, advisors, assignees, agents, representatives and any other person or entity associated with this Sweepstakes from any and all liability claims or actions of any kind with respect to or in any way arising from this Sweepstakes, participation in any Sweepstakes-related activity; and/or delivery/misdelivery, acceptance, possession, use, or misuse of a prize, including, but not limited to, liability for personal injury, bodily injury (including wrongful death or disability), damage to property, and damage or loss of any other kind. No aspect of the Offerings is intended to provide, or should be construed as providing, any legal advice of any kind. You can cancel by phone by calling 1-800-638-5433 or another number if you were given a particular one when you signed the contract. Can I cancel Petplan at any time? Your annual deductible amount applies during each policy period. For all terms and conditions visit spotpetins.com/sample-policy. Your email address will not be published. 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. Note: Appeals may take around 30 days to be reviewed. 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. You can cancel pet insurance at any time. The best thing you can do is ensure that you research pet insurance companies very closely before enrolling in pet insurance. 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. Well email you when we receive your claim, if we need more information, and when its complete. Pet Insurance Plans Find out what eligible conditions and accidents our plans cover. Submit your claim on the Spot Pet Insurance website by. 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. 2. Theres no Open Enrollment period, you can buy and drop pet insurance at any time. However, you can't simply stop paying the monthly premiums; you will need to contact your pet insurance provider first. You're on the Spot US website. You can view our sample policy here: https://Spotpetins.com/sample-policy/. What can I do instead of canceling my policy? If you havent filed a claim and youve paid the annual premium in full, the portion of the premium that covers the remaining policy period of insurance will be returned to you. 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. All Pet Insurance plans have waiting periods, annual deductible, co-insurance, benefit limits and exclusions. Many owners without pet insurance are faced with the decision to pay for expensive vet treatment and seriously damage their family budget or end their pets life. Wagmo. Keep in mind that these are sample numbers for one pet insurance company in one ZIP code. 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. 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. 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. Waiting periods. SPOT makes no representation or warranty regarding the Third-Party Products. Medical records for your pet include doctors notes, laboratory results, and other documentation regarding any of your pets visits to the veterinarian. How do I cancel Petplan online? Spot Pet Insurance 303 Banyan Blvd, Suite 101 West Palm Beach, FL 33401 sponsors this Sweepstakes. 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. If you are thinking about canceling your policy because your pet seems perfectly healthy and hasnt had any major medical issues, keep in mind that health conditions can happen at any time. There is no upper age limit for coverage or enrollments. Nationwide Pet Insurance: Best for Exotic Pets . 4.1 Warranty. How Much Does Spot Pet Insurance Cost? Please consult qualified legal representatives regarding any legal concerns or issues.3.3 No Financial Advice Provided. 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