The role of the producer in any particular transaction involves one or more of these activities. You get to select your reimbursement percentage when you enroll in a plan provided by Spot. What Happens to My Pet Insurance if I Move? Spot Pet Insurance offers three health plans for dogs and cats: accident-only, accident and illness, and preventive care plans. 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. You agree that you have read, understand, and agree to all terms applicable to you, which are contained herein. How do I Determine if My Pet Has a Pre-existing Condition? The good news is you can cancel your pet insurance at any time. Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. Our helpful team is just one phone paw away or you can visit the contact page. They do not purport to, and shall not be deemed to, define, limit or extend the scope or intent of the clauses to which they pertain.5.5 Survival of Certain Provisions. Does the plan have any waiting periods? 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. 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. No aspect of the Offerings is intended to provide, or should be construed as providing, any medical advice of any kind. The number of days to appeal a claim varies by the state in which your policy was issued. In this article, were covering everything you need to know in case you decide to cancel your pet insurance policy, including how to submit requests, what costs you might pay, and other key considerations. 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. 5.1 Assignment. NOTICE TO OHIO APPLICANTS:Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Trupanion pet insurance for a cat (a under one-year-old male domestic shorthair) costs $30.88 per month for a $500 deductible. Preventive Care reimbursements are based on a schedule. 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. 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. SPOT makes no representation or warranty regarding the Third-Party Services. Why Pet Insurance? When calling our call center, please provide the representative with this priority code: Spot 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 shall be entitled to recover its costs and reasonable attorney fees in any action pursuant to this Agreement.5.7 Governing Law. However, if you decide to cancel your coverage, you may not be able to re-insure your pet at a later date. Figo Pet Insurance: Best for 100% Reimbursement. 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. SPOT IS NOT RESPONSIBLE FOR THE CONTENT OF ANY THIRD-PARTY PRODUCTS, NOR DOES IT MAKE ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING ANY THIRD-PARTY PRODUCT AND SPOT SHALL HAVE NO LIABILITY OF ANY NATURE WHATSOEVER IN RELATION TO ANY OF THE FOREGOING.2.4 Content on the Site. Any modifications to the Terms will be effective upon posting. Pre-existing conditions are not covered. If you are thinking of canceling your coverage, keep the following things in mind: Pre-existing conditions. Specific products, features, coverage limits, rates, and discounts may vary by province, eligibility, and are subject to change. The section headings appearing in these Terms have been inserted for the purpose of convenience and ready reference. 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. All pet insurance policies come with . 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. Pumpkin covers some preexisting conditions and more procedures than most pet insurance companies cover. 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. 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. 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. Penalties include imprisonment, fines, and denial of insurance benefits.For SPOT Referral Parent Terms and Conditions, click here. You can enroll your pet in plan from Spot as soon as theyre 8 weeks old. 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. Claim repayment averages 10-14 business days, and direct deposit and check are options. Please consult qualified financial consultants regarding any investment, tax or other financial matters.Disclaimer of Warranties; Limitation of Liability; Disputes. 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. Note: your premium may change based on your new zip code. How do I Determine if My Pet Has a Pre-existing Condition? You can also check on the status of your claims anytime by clicking on the claims icon. 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. These policies come with an annual deductible and annual coverage limits. Yes! Notable features: Accident and illness coverage; wellness add-on available. Questions? 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. Pet Insurance plans provided by Spot do not cover pre-existing conditions. 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. 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. Insuring multiple pets. More information is available at checkout. Is There a Waiting Period for Pet Insurance? SPOT makes no representation or warranty regarding the Third-Party Services. 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. This can cause stress related to your family finances or compromise the quality of veterinary care your canine or feline companion receives. To appeal your claim simply email your request and supporting documentation to service@customer.spotpetins.com. While your cat or dog might be perfectly healthy at the moment, unexpected veterinary expenses can arise at any time. Once you have your custom pet insurance policy and have paid your premium on a monthly or annual schedule, you carry on as usual! 1.1 SPOTs Intellectual Property. Your continued purchase and/or use of the Offerings following posting of any revised Terms will constitute acceptance of the modified Terms. 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. SPOT's Key Attributes. Not all insurances cover exam fees. I had to go through my bank to stop payment which cost me additional money. Unit 603, Miami, FL 33131 by January 9, 2023 to be counted. You can also get a pet insurance quote through your veterinarian or by shopping around online. 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. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. Is Pet Insurance Worth It? Be a legal resident of the 50 United States, or the District of Columbia, including APO/FPO addresses excluding Puerto Rico. Submit your claim on the Spot Pet Insurance website by. (NPN # 19246385) 2023 United States Fire Insurance Company. 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. SPOT makes no representation or warranty regarding the Third-Party Products. If you do not agree to be legally bound by these Terms, you are not permitted to purchase and/or use the Offerings.SPOT may offer the Offerings through applications or apps. If you have any questions relating to these Terms, the Site, the Offerings or SPOT, please contact: reply@SPOTpetins.com. Your email address will not be published. For cats, they can choose either a $7,000, $15,000, or Unlimited annual limit. PLEASE BE AWARE THAT INTERNET DATA TRANSMISSION IS NOT ALWAYS SECURE AND WE CANNOT WARRANT THAT INFORMATION YOU TRANSMIT UTILIZING THE OFFERINGS IS SECURE. Have a pet insurance with Spot? You can enroll your pet in a plan provided from Spot once your pet is 8 weeks old or older. You can call 800-905-1595 or email service@customer.spotpetins.com. Is it worth shopping around for pet insurance? NOTICE TO APPLICANTS: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit 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. This gives you a chance to change . Spot plans cover exams for covered conditions. Call: (844) 696-1407. How do I cancel my petplan account? 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. 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. Spot Pet Insurance's rates are generally pretty affordable. SPOT is an insurance producer licensed in your state. In general, you can receive a: Full refund. Please consult qualified legal representatives regarding any legal concerns or issues.3.3 No Financial Advice Provided. How Can I Find Out the Status of a Claim? West Palm Beach, FL 33401. If you haven't submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy. 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. Yes, Spot plans offer a multi-pet discount: 10% off each additional pet that is added. VIEW RATES. 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. Spot Canada. With pet insurance, you will be getting the best value for your four-legged friend while keeping them healthy and happy. Each submission of an Entry Form shall constitute an entry (Entry). At any time and for any or no reason, SPOT may modify or discontinue some or all of the Offerings. 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. Accident-only health plan. If you do not know the exact date of birth of your pet, please use your best estimate based on your pets medical records or shelter/rescue documentation. If you cancel within this period, youll get a full refund for the premiums youve paid, provided you havent filed a claim. If you need to update your billing information, you can make changes by clicking on the Billing icon. For $9.95 . It was founded in 2019 and aims to deliver first-class coverage without breaking the bank. Grooming. ManyPets offers some of the cheapest pet insurance around, costing $35.89 . However, you cant simply stop paying the monthly premiums; you will need to contact your pet insurance provider first. 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. HOW DO I WIN? Required fields are marked *. Based on this rating, Spot is on NerdWallet's list of the Best Pet Insurance Companies. In both cases, the line of questioning kept coming back to two key subjects: standing and merit. Your monthly premium is based on the deductible, reimbursement percentage, and annual payout options that you choose from the table below. For additional information, please call to speak with a licensed insurance agent at 1.800.905.1595. Pet insurance plans provided from Spot have deductibles, reimbursement percentages, annual limits, and premiums. NOTICE TO HAWAII APPLICANTS:For your protection, Hawaii law requires you to be informed that presenting a fraudulent claim for payment of a loss or benefit is a crime punishable by fines or imprisonment, or both. If your pet gets injured or sick, pet insurance helps cover medical expenses. IN ADDITION, SPOT DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE VIA THE OFFERINGS IS ACCURATE, COMPLETE OR CURRENT, AND IS NOT RESPONSIBLE FOR ANY ERRORS OR OMISSIONS THEREIN OR FOR ANY ADVERSE CONSEQUENCES RESULTING FROM YOUR RELIANCE ON ANY ASPECT OF THE OFFERINGS. 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. Simply head to our online cancellation form and fill in your details. SPOT makes no representation or warranty regarding the Third-Party Products. Sponsor is not responsible for cheating or fraud by any participant. SPOTs trademarks may not be used in connection with any product or service that is not SPOTs, in any manner that is likely to cause confusion among consumers, or to disparage or discredit SPOT. Find the right vet at your local PetSmart store. 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. If you're not satisfied with the coverage during the first 30 days, you can get a full 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. Insurance plans are marketed and produced by Spot Insurance Services, LLC. The laws of the State of Florida will govern these Terms, without giving effect to any principles of conflicts of laws. When. 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. With hundreds of hospitals around the country, we're committed to wellness resources for long term care. 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. 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. Figo is our pick for the most comprehensive pet insurance plan available. 2.1 Insurance Offerings. . By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances! Pet insurance is for paw-rents seeking a financial safety net for accidents or illnesses that their pets might experience in the future. Depending on the insurer(s) and insurance contract(s) the purchaser selects, compensation will be paid by the insurer(s) selling the insurance contract or by another third party. More information is available at checkout. Based on a comparison of top pet insurance companies on ConsumerRating.org. 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. Surplus lines insurance sold only through licensed surplus lines producers. NOTICE TO VIRGINIA APPLICANTS:It is a crime to knowingly provide false incomplete or misleading information to an insurance company for the purpose of defrauding the company. 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. What Medical Records are Needed From My Veterinarian? PRIVACY. Visit ourdog insuranceandcat insurancepages for more information about plans. 1). Login to the member portal with your credentials and access your personalized pet insurance portal only on Spot Pet Insurance Member Portal page. Penalties include imprisonment, fines and denial of insurance benefits. 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. What was once an obscure insurance product has been gaining steam. NOTICE TO NEW MEXICO APPLICANTS:Any person who knowingly presents a false or fraudulent claim for payment for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties. 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. Spot Pet Insurance 303 Banyan Blvd, Suite 101 West Palm Beach, FL 33401 sponsors this Sweepstakes. Any submitted appeal should state clearly why you or your vet disagree with the initial determination and include supporting documentation. How it works Track your claims at home and on the go with our convenient online portal. Any communication or material you transmit to SPOT, or post to the Site, by electronic mail or otherwise, including any data, questions, comments, suggestions, stories, homepages, or the like is, and will be treated as, non-confidential and non-proprietary. 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. 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. Clicking the Free Quote button will be deemed to signify your consent to and acceptance of the terms and conditions including the compensation, as disclosed above, that is to be received by the underwriter. Average Price: To give you an idea of Embrace's monthly costs, we collected samples quotes . 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. Pet Insurance Plans Find out what eligible conditions and accidents our plans cover. 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. Deductibles: $100, $250 or $500. All provision indicating an ongoing obligation, which include but are not limited to 1. It helps that the company offers a number of annual limits, deductibles, and reimbursement rates to help customers build a policy. Join 2,438,795+ insured dogs and cats across the US. Spot also offers two add-on packages that cover preventative health care for your pet. Consumer Rating is a Fetch by The Dodo Partner. 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). Void where prohibited. 1 (866) 651-7768. ASPCA's pet insurance plan will . Veterinary Services. As a result, SPOT may be considered to have an incentive to place your insurance coverages with a particular insurance company. Spot offers coverages for cats and dogs for either accident-only policies or accident and illness policies. No aspect of the Offerings is intended to provide, or should be construed as providing, any legal advice of any kind. As a result, SPOT may be considered to have an incentive to place your insurance coverages with a particular insurance company. 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. Best pet insurance according to Consumer Rating January 2023. Plans provided by Spot do not cover funeral expenses, memorial items, urns, caskets, burial plots or burial plot maintenance fees. You may not assign or otherwise transfer these Terms or any rights or obligations hereunder. Please enter your pin on your phone dial-pad. 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. You must satisfy your annual deductible before your reimbursements start. Twitter specialist. Click For Price Claims Form Download our latest claims form below. 2.1 Insurance Offerings. You can buy a cover for your pet in any of the 50 states and Washington, D.C. We discuss the plans below.