Products, schedules, discounts, and rates may vary and are subject to change. 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. Instead of canceling your policy, consider changing the level of coverage of switching insurers. Find more information on preventative care coverage here. Grooming. Participants who engage in any of the foregoing activities will be disqualified and will forfeit any prizes won. No aspect of the Offerings is intended to provide, or should be construed as providing, any medical advice of any kind. Note: Appeals may take around 30 days to be reviewed. You can view our sample policy here: https://Spotpetins.com/sample-policy/. Pet health insurance policies are primarily designed to cover accidents and illnesses. Once your appeal has been received, you will receive an email confirmation. 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. 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. 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. If you cancel within this period, youll get a full refund for the premiums youve paid, provided you havent filed a claim. 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. 4.1 Warranty. You should not consider any content on the Site to be a substitute for professional financial advice. "Pet insurance policies do not cover pre-existing conditions." Pet insurance policies do not cover pre-existing conditions. NO PURCHASE NECESSARY. All requests to appeal your claim must be made in writing to us. Dont forget to take a picture of your invoice and upload it to complete the claim submission. You should not disregard medical 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. For dogs, customers can select either a $10,000, $20,000 or Unlimited annual limit. When. Be a legal resident of the 50 United States, or the District of Columbia, including APO/FPO addresses excluding Puerto Rico. Pets covered: Dogs, cats. Pumpkin has a single insurance plan that applies for both dogs and cats. You can enroll your pet in a plan provided from Spot once your pet is 8 weeks old or older. Plans are produced and sold by: Spot Pet Insurance Services, LLC. Figo is our pick for the most comprehensive pet insurance plan available. Sometimes, pet owners change their minds and no longer want the insurance policy they signed their four-legged friend up for. 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. Coverage limits are slightly different for horses. 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. 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. Email requests may go to help@gohealthypaws.com. VIEW RATES. Do You Have a List of Veterinarians I Have to Use? NOTICE TO OKLAHOMA APPLICANTS:WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. Deductibles: $100 to $750. Pawlicy Advisor conducts business as Pawlicy Insurance Services Inc. in the state of California. 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. Are there any Types of Incident or Lifetime Caps? Partial refund. General Coverage Questions 1. Who is the insurance carrier for the Healthy Paws Pet Insurance Plan? 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. You can call 800-905-1595 or email service@customer.spotpetins.com. For $9.95 . SPOT ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWING IN THE SITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT IMAGES, VIDEO OR AUDIO FROM THE SITE.CERTAIN STATE LAWS MAY NOT PERMIT LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN TYPES OF DAMAGES, AND THUS SOME OR ALL OF THE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS ABOVE MAY NOT APPLY TO YOU.4.3 Arbitration. 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. 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. After comparing 16 leading pet insurance providers, ManyPets received a 4.9 out of 5, while Spot received a 4.7 out of 5. To cancel, click on "Pets Best Pet Health Insurance". 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. 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. Healthy Paws Pet Insurance & Foundation is the brand name for the program operations of Healthy Paws Pet Insurance, LLC. All pet insurance policies come with . Sponsor is not responsible for any incorrect or inaccurate information, whether caused by Web site users or by any of the equipment or programming associated with or used in the Sweepstakes or by any technical or human error that might occur in the processing of Sweepstakes Entries. As a result, SPOT may be considered to have an incentive to place your insurance coverages with a particular insurance company. If you are the pet parent, you must be the policyholders. Depending on the exact type of information they need, there . You can submit a claim within 270 days from the date of treatment. There is no waiting period for preventive care coverage if you choose to add it to your plan. 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. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability or otherwise violate any law. Pet Wellness. Yes, you can add preventive care coverage to your policy for a little more cost. It offers three annual coverage options of $250, $450 or $650 for costs between $18 and $52 per month. Your pet must be at least 8 weeks old in order to enroll in a pet insurance plan from Spot. All provision indicating an ongoing obligation, which include but are not limited to 1. Pre-existing conditions are not covered. However, Spot accident & illness plans cover treatments for dental illnesses. 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. 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. Canceling coverage for one of your pets might increase the cost of coverage for your other pets. List your name, your pet's name, your pet policy number, the cancellation effective date, and the reason for the cancellation. 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. ManyPets offers some of the cheapest pet insurance around, costing $35.89 . 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. 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. Claims process: Must submit claims within 270 days of the date of service via app, online, fax, or mail. Learn more about our independently owned & operated AAHA-accredited vet clinics in select PetSmart stores. 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. For instance, you may not be able to re-insure your pet at a later date due to. Your coverage limit for an Accident-Only policy can be $3,000, $4,000, $5,000, $7,000 or $10,000 per year. You can visit any licensed veterinarian in the US or Canada, including eligible specialists and emergency care clinics. If you purchase and/or use the Offerings, you agree to be bound by these Terms and Conditions (Terms). If you haven't submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy. 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. Your veterinarian may also need to submit other medical records. It was founded in 2019 and aims to deliver first-class coverage without breaking the bank. 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. Is it worth shopping around for pet insurance? All Pet Insurance plans have waiting periods, annual deductible, co-insurance, benefit limits and exclusions. The Offerings may contain links to third-party websites, applications, advertisers, services, special offers or other events or activities (collectively Third-Party Services) that are not owned or controlled by SPOT. The first factor is when you cancel your policy. Can I Get Reimbursed for Routine Teeth Cleanings? Penalties include imprisonment, fines, and denial of insurance benefits.For SPOT Referral Parent Terms and Conditions, click hereSweepstakes Official Rules. Is it possible to cancel my pet insurance policy at any time? If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. 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. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. 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. To confirm that you want to stop paying for Pets Best Pet Health Insurance, click the "Cancel Automatic Payments" tab. Spot has no one-time fees and a $2 transaction fee for every payment (waived if you pay annually). 251.5462. Find more information on preventative care coverage here. This website (Site) and SPOT Pet Insurance Services, LLCs 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. Pet insurance plans provided from Spot have deductibles, reimbursement percentages, annual limits, and premiums. 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. Get answers to common questions about pet insurance and learn how Spot Pet Insurance can protect your furry friend. 2.1 Insurance Offerings. Cancellation requests can be submitted in the form of fax, regular mail, email, or done verbally. Coverage is subject to the language of the policies as actually issued. Is There a Waiting Period for Pet Insurance? 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. Base level plans provided by Spot do not cover spaying. These Terms or the Privacy Policy set forth the entire understanding between you and SPOT with respect to the subject matter hereof and supersede any prior or contemporaneous communications, representations, or agreements, whether oral or written, between you and SPOT with respect to such subject matter.5.3 No Waiver. Conditions occurring within policy waiting period(s). A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. 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. Please have your PIN ready when calling. A confirmation page will be displayed. 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. Visit ourdog insuranceandcat insurancepages for more information about plans. 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. We will also need to update the billing portion of the policy to include the new customers preferred payment method prior to processing the policy transfer. Login to the member portal with your credentials and access your personalized pet insurance portal only on Spot Pet Insurance Member Portal page. 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. 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. What should I consider when canceling my pet insurance policy? Yes, plans provided by Spot have a 14 day waiting period for coverage. Yes, plans provided by Spot have a 14 day waiting period for coverage. If your pet gets injured or sick, pet insurance helps cover medical expenses. It is understood that the decision in such arbitration shall be binding on both parties and that a judgement upon any award rendered may be entered in any court having jurisdiction. The Offerings may contain links to third-party websites, applications, advertisers, services, special offers or other events or activities (collectively Third-Party Services) that are not owned or controlled by SPOT. After seeing success in the US, Spot Pet Insurance has announced its entry into the Canadian market. The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. 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. Keep in mind that these are sample numbers for one pet insurance company in one ZIP code. 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. Accident-only health plan. This means that any illnesses or injuries related to that condition will not be covered. NOTICE TO DISTRICT OF COLUMBIA APPLICANTS:It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. 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. 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. Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. 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. Liberty Mutual's customized Pet Insurance delivers affordable coverage so you can choose the best care possible for your pet. Switch insurance providers. In general, you can receive a: Full refund. Sponsor is not responsible for cheating or fraud by any participant. Notable features: Accident and illness coverage; wellness add-on available. You dont have to satisfy your deductible before you can be reimbursed for preventive care coverage benefits, and there is no waiting period for them either. 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. Spot Pet Insurance. 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. For a comprehensive list of policy exclusions and limitations, click here to view a sample policy. Once you have your custom pet insurance policy and have paid your premium on a monthly or annual schedule, you carry on as usual! 2 in our Best Pet Insurance Companies of 2023 rating based on several factors, including price, number of policy add-ons, and available discounts. According to Spot, you can get accident-only coverage with premiums that start at $17 per month. 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. 5.1 Assignment. SPOT strives to provide plans with coverage that continue well into your pets old-age by not placing upper-age limitations on coverage or enrollments. If you notify Petplan within the first thirty (30) days from the start date, and you have not submitted any claim against this policy, Petplan will refund the entire premium. 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. If you need to update your billing information, you can make changes by clicking on the Billing icon. Simply head to our online cancellation form and fill in your details. SPONSOR. 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. % of Medical Expenses. 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 all events, the sole maximum liability of Sponsor and its affiliates shall be limited to any of the prize(s) set forth herein. 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. Annual Maximum: $10,000, $20,000 or unlimited. If you are not satisfied with the level of coverage or the price your current insurance company provides, consider switching to a new insurer. How do I Determine if My Pet Has a Pre-existing Condition? Not all insurances cover exam fees. (NPN # 19246385) 2023 United States Fire Insurance Company. Wagmo. When you add preventive care coverage, youll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. Any modifications to the Terms will be effective upon posting. Please consult a qualified veterinarian or other medical professional regarding any medical concerns or issues.3.2 No Legal Advice Provided. 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